BAC vs COF-PL: Which Is the Better Dividend Stock?
As of Nov 14, 2026, BAC (Bank of America Corporation) screens as the stronger dividend stock, winning 4 of 6 head-to-head metrics. COF-PL offers the higher yield at 7.84%, BAC has the higher dividend-safety score, and COF-PL looks like the better value (its fair-value estimate is 67% above its share price).
Key facts: BAC vs COF-PL
Data as of · Source: SmarterDividends data
- As of Nov 14, 2026, Capital One Financial Corporation (COF-PL) has the higher forward dividend yield at 7.84%, versus 2.51% for Bank of America Corporation (BAC).
- As of Nov 14, 2026, SmarterDividends grades BAC's dividend safety A (85/100) and COF-PL's B (71/100).
- By SmarterDividends' count as of Nov 14, 2026, BAC has raised its dividend for 12 consecutive years and COF-PL for 0.
- As of Nov 14, 2026, BAC's fair-value estimate is 25% above its share price and COF-PL's fair-value estimate is 67% above its share price, so COF-PL looks like the better value of the two on SmarterDividends' blended model.
Cite this page
SmarterDividends, "BAC vs COF-PL: Dividend Yield, Safety & Value Compared," updated Nov 14, 2026, https://smarterdividends.com/compare/bac-vs-cof-pl
| Metric | BAC | COF-PL |
|---|---|---|
| Forward yield | 2.51% | 7.84% |
| Annual dividend | $1.28 | $1.09 |
| Payout ratio | 28% | — |
| Years of growth | 12 yr | 0 yr |
| 5-yr dividend growth | 8.4% | — |
| 5-yr total return | 15% | -43% |
| Dividend safety score | 85 (A) | 71 (B) |
| Fair value estimate | $63.64 | $23.35 |
| Upside to fair value | +25% | +67% |
| Frequency | quarterly | quarterly |
| Market cap | $352.0B | — |
| P/E ratio | 12.2 | 0.5 |
Higher yield
COF-PL
7.84%
Safer dividend
BAC
Grade A
Faster growth
BAC
8.4%
Better value
COF-PL
+67% upside
BAC vs COF-PL — FAQ
Is BAC or COF-PL a better dividend stock?
On the data, BAC wins more head-to-head categories (4 vs 2). COF-PL offers the higher yield (7.84%), while BAC 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 COF-PL?
COF-PL has the higher forward dividend yield at 7.84%, versus 2.51% for BAC.
Is BAC or COF-PL safer?
BAC has the higher dividend-safety score (85/100 vs 71/100), reflecting stronger payout coverage and dividend-growth history.
Is BAC or COF-PL better value right now?
As of Nov 14, 2026, COF-PL looks like the better value: its fair-value estimate is 67% above its share price (undervalued). For BAC, its fair-value estimate is 25% above its share price.
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See more dividend stock comparisons · data refreshes daily · for informational purposes only, not investment advice.