BAC vs CINF: Which Is the Better Dividend Stock?
As of Oct 30, 2026, CINF (Cincinnati Financial Corporation) screens as the stronger dividend stock, winning 6 of 8 head-to-head metrics. BAC offers the higher yield at 2.52%, CINF has the higher dividend-safety score, and CINF looks like the better value (its fair-value estimate is 71% above its share price).
Key facts: BAC vs CINF
Data as of · Source: SmarterDividends data
- As of Oct 30, 2026, Bank of America Corporation (BAC) has the higher forward dividend yield at 2.52%, versus 2.10% for Cincinnati Financial Corporation (CINF).
- As of Oct 30, 2026, SmarterDividends grades BAC's dividend safety A (87/100) and CINF's A (98/100).
- By SmarterDividends' count as of Oct 30, 2026, BAC has raised its dividend for 12 consecutive years and CINF for 30.
- As of Oct 30, 2026, BAC pays out 26% of its earnings as dividends and CINF pays out 22%.
- As of Oct 30, 2026, BAC's fair-value estimate is 24% above its share price and CINF's fair-value estimate is 71% above its share price, so CINF looks like the better value of the two on SmarterDividends' blended model.
Cite this page
SmarterDividends, "BAC vs CINF: Dividend Yield, Safety & Value Compared," updated Oct 30, 2026, https://smarterdividends.com/compare/bac-vs-cinf
| Metric | BAC | CINF |
|---|---|---|
| Forward yield | 2.52% | 2.10% |
| Annual dividend | $1.28 | $3.76 |
| Payout ratio | 26% | 22% |
| Years of growth | 12 yr | 30 yr |
| 5-yr dividend growth | 8.4% | 7.7% |
| 5-yr total return | 14% | 55% |
| Dividend safety score | 87 (A) | 98 (A) |
| Fair value estimate | $63.43 | $310.36 |
| Upside to fair value | +24% | +71% |
| Frequency | quarterly | quarterly |
| Market cap | $354.0B | $27.9B |
| P/E ratio | 12.2 | 10.7 |
Higher yield
BAC
2.52%
Safer dividend
CINF
Grade A
Faster growth
BAC
8.4%
Better value
CINF
+71% upside
BAC vs CINF — FAQ
Is BAC or CINF a better dividend stock?
On the data, CINF wins more head-to-head categories (6 vs 2). BAC offers the higher yield (2.52%), while CINF has the stronger dividend-safety score. The right pick depends on whether you prioritise income, safety or value.
Which has a higher dividend yield, BAC or CINF?
BAC has the higher forward dividend yield at 2.52%, versus 2.10% for CINF.
Is BAC or CINF safer?
CINF has the higher dividend-safety score (98/100 vs 87/100), reflecting stronger payout coverage and dividend-growth history.
Is BAC or CINF better value right now?
As of Oct 30, 2026, CINF looks like the better value: its fair-value estimate is 71% above its share price (undervalued). For BAC, its fair-value estimate is 24% above its share price.
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See more dividend stock comparisons · data refreshes daily · for informational purposes only, not investment advice.