BAC vs CIF: Which Is the Better Dividend Stock?
As of August 2026, BAC (Bank of America Corporation) screens as the stronger dividend stock, winning 4 of 5 head-to-head metrics. BAC offers the higher yield at 2.07%, BAC has the higher dividend-safety score, and CIF trades at the larger discount to fair value (+29%).
| Metric | BAC | CIF |
|---|---|---|
| Forward yield | 2.07% | — |
| Annual dividend | $1.28 | $0.29 |
| Payout ratio | 26% | — |
| Years of growth | 12 yr | 0 yr |
| 5-yr dividend growth | 8.4% | -5.1% |
| 5-yr total return | 45% | — |
| Dividend safety score | 83 (A) | 62 (C) |
| Fair value estimate | $77.08 | $2.07 |
| Upside to fair value | +25% | +29% |
| Frequency | quarterly | monthly |
| Market cap | $431.4B | — |
| P/E ratio | 14.2 | — |
Higher yield
BAC
2.07%
Safer dividend
BAC
Grade A
Faster growth
BAC
8.4%
Better value
CIF
+29% upside
BAC vs CIF — FAQ
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