BAC vs CINF: Which Is the Better Dividend Stock?
As of September 2026, CINF (Cincinnati Financial Corporation) screens as the stronger dividend stock, winning 7 of 8 head-to-head metrics. CINF offers the higher yield at 2.21%, CINF has the higher dividend-safety score, and CINF trades at the larger discount to fair value (+134%).
| Metric | BAC | CINF |
|---|---|---|
| Forward yield | 2.05% | 2.21% |
| Annual dividend | $1.28 | $3.76 |
| Payout ratio | 26% | 17% |
| Years of growth | 12 yr | 30 yr |
| 5-yr dividend growth | 8.4% | 7.7% |
| 5-yr total return | 48% | 49% |
| Dividend safety score | 86 (A) | 98 (A) |
| Fair value estimate | $91.51 | $396.51 |
| Upside to fair value | +46% | +134% |
| Frequency | quarterly | quarterly |
| Market cap | $438.4B | $26.1B |
| P/E ratio | 14.5 | 8.0 |
Higher yield
CINF
2.21%
Safer dividend
CINF
Grade A
Faster growth
BAC
8.4%
Better value
CINF
+134% upside
BAC vs CINF — FAQ
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