BAC vs COFS: Which Is the Better Dividend Stock?
As of Oct 18, 2026, COFS (ChoiceOne Financial Services, Inc.) screens as the stronger dividend stock, winning 4 of 7 head-to-head metrics. COFS offers the higher yield at 3.50%, BAC has the higher dividend-safety score, and COFS looks like the better value (its fair-value estimate is 80% above its share price).
Key facts: BAC vs COFS
Data as of · Source: SmarterDividends data
- As of Oct 18, 2026, ChoiceOne Financial Services, Inc. (COFS) has the higher forward dividend yield at 3.50%, versus 2.50% for Bank of America Corporation (BAC).
- As of Oct 18, 2026, SmarterDividends grades BAC's dividend safety A (87/100) and COFS's A (87/100).
- By SmarterDividends' count as of Oct 18, 2026, BAC has raised its dividend for 12 consecutive years and COFS for 14.
- As of Oct 18, 2026, BAC pays out 26% of its earnings as dividends and COFS pays out 31%.
- As of Oct 18, 2026, BAC's fair-value estimate is 24% above its share price and COFS's fair-value estimate is 80% above its share price, so COFS looks like the better value of the two on SmarterDividends' blended model.
Cite this page
SmarterDividends, "BAC vs COFS: Dividend Yield, Safety & Value Compared," updated Oct 18, 2026, https://smarterdividends.com/compare/bac-vs-cofs
| Metric | BAC | COFS |
|---|---|---|
| Forward yield | 2.50% | 3.50% |
| Annual dividend | $1.28 | $1.16 |
| Payout ratio | 26% | 31% |
| Years of growth | 12 yr | 14 yr |
| 5-yr dividend growth | 8.4% | 6.6% |
| 5-yr total return | 15% | 30% |
| Dividend safety score | 87 (A) | 87 (A) |
| Fair value estimate | $63.43 | $59.68 |
| Upside to fair value | +24% | +80% |
| Frequency | quarterly | quarterly |
| Market cap | $358.2B | $495.0M |
| P/E ratio | 12.2 | 9.0 |
Higher yield
COFS
3.50%
Safer dividend
BAC
Grade A
Faster growth
BAC
8.4%
Better value
COFS
+80% upside
BAC vs COFS — FAQ
Is BAC or COFS a better dividend stock?
On the data, COFS wins more head-to-head categories (4 vs 3). COFS offers the higher yield (3.50%), 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 COFS?
COFS has the higher forward dividend yield at 3.50%, versus 2.50% for BAC.
Is BAC or COFS safer?
BAC has the higher dividend-safety score (87/100 vs 87/100), reflecting stronger payout coverage and dividend-growth history.
Is BAC or COFS better value right now?
As of Oct 18, 2026, COFS looks like the better value: its fair-value estimate is 80% 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.