BAC vs CIVB: Which Is the Better Dividend Stock?
As of Oct 18, 2026, BAC and CIVB are closely matched. CIVB offers the higher yield at 2.68%, BAC has the higher dividend-safety score, and CIVB looks like the better value (its fair-value estimate is 34% above its share price).
Key facts: BAC vs CIVB
Data as of · Source: SmarterDividends data
- As of Oct 18, 2026, Civista Bancshares, Inc. (CIVB) has the higher forward dividend yield at 2.68%, versus 2.50% for Bank of America Corporation (BAC).
- As of Oct 18, 2026, SmarterDividends grades BAC's dividend safety A (87/100) and CIVB's A (86/100).
- By SmarterDividends' count as of Oct 18, 2026, BAC has raised its dividend for 12 consecutive years and CIVB for 13.
- As of Oct 18, 2026, BAC pays out 26% of its earnings as dividends and CIVB pays out 26%.
- As of Oct 18, 2026, BAC's fair-value estimate is 24% above its share price and CIVB's fair-value estimate is 34% above its share price, so CIVB looks like the better value of the two on SmarterDividends' blended model.
Cite this page
SmarterDividends, "BAC vs CIVB: Dividend Yield, Safety & Value Compared," updated Oct 18, 2026, https://smarterdividends.com/compare/bac-vs-civb
| Metric | BAC | CIVB |
|---|---|---|
| Forward yield | 2.50% | 2.68% |
| Annual dividend | $1.28 | $0.72 |
| Payout ratio | 26% | 26% |
| Years of growth | 12 yr | 13 yr |
| 5-yr dividend growth | 8.4% | 9.1% |
| 5-yr total return | 15% | 14% |
| Dividend safety score | 87 (A) | 86 (A) |
| Fair value estimate | $63.43 | $35.94 |
| Upside to fair value | +24% | +34% |
| Frequency | quarterly | quarterly |
| Market cap | $358.2B | $558.3M |
| P/E ratio | 12.2 | 10.0 |
Higher yield
CIVB
2.68%
Safer dividend
BAC
Grade A
Faster growth
CIVB
9.1%
Better value
CIVB
+34% upside
BAC vs CIVB — FAQ
Is BAC or CIVB a better dividend stock?
BAC and CIVB are closely matched. CIVB has the higher yield; BAC scores better on safety.
Which has a higher dividend yield, BAC or CIVB?
CIVB has the higher forward dividend yield at 2.68%, versus 2.50% for BAC.
Is BAC or CIVB safer?
BAC has the higher dividend-safety score (87/100 vs 86/100), reflecting stronger payout coverage and dividend-growth history.
Is BAC or CIVB better value right now?
As of Oct 18, 2026, CIVB looks like the better value: its fair-value estimate is 34% 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.