BAC vs CINF: Which Is the Better Dividend Stock?
As of July 2026, CINF (Cincinnati Financial Corporation) screens as the stronger dividend stock, winning 6 of 8 head-to-head metrics. CINF offers the higher yield at 2.08%, CINF has the higher dividend-safety score, and CINF trades at the larger discount to fair value (+94%).
| Metric | BAC | CINF |
|---|---|---|
| Forward yield | 1.83% | 2.08% |
| Annual dividend | $1.12 | $3.76 |
| Payout ratio | 26% | 20% |
| Years of growth | 12 yr | 30 yr |
| 5-yr dividend growth | 8.4% | 7.7% |
| 5-yr total return | 47% | 47% |
| Dividend safety score | 85 (A) | 98 (A) |
| Fair value estimate | $101.75 | $349.86 |
| Upside to fair value | +66% | +94% |
| Frequency | quarterly | quarterly |
| Market cap | $424.0B | $27.9B |
| P/E ratio | 14.1 | 10.3 |
Higher yield
CINF
2.08%
Safer dividend
CINF
Grade A
Faster growth
BAC
8.4%
Better value
CINF
+94% upside
BAC vs CINF — FAQ
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