BAC vs CZWI: Which Is the Better Dividend Stock?
As of Oct 18, 2026, BAC (Bank of America Corporation) screens as the stronger dividend stock, winning 5 of 8 head-to-head metrics. BAC offers the higher yield at 2.50%, BAC has the higher dividend-safety score, and BAC looks like the better value (its fair-value estimate is 24% above its share price).
Key facts: BAC vs CZWI
Data as of · Source: SmarterDividends data
- As of Oct 18, 2026, Bank of America Corporation (BAC) has the higher forward dividend yield at 2.50%, versus 1.48% for Citizens Community Bancorp, Inc. (CZWI).
- As of Oct 18, 2026, SmarterDividends grades BAC's dividend safety A (87/100) and CZWI's C (63/100).
- By SmarterDividends' count as of Oct 18, 2026, BAC has raised its dividend for 12 consecutive years and CZWI for 6.
- As of Oct 18, 2026, BAC pays out 26% of its earnings as dividends and CZWI pays out 16%.
- As of Oct 18, 2026, BAC's fair-value estimate is 24% above its share price and CZWI's fair-value estimate is 17% below its share price, so BAC looks like the better value of the two on SmarterDividends' blended model.
Cite this page
SmarterDividends, "BAC vs CZWI: Dividend Yield, Safety & Value Compared," updated Oct 18, 2026, https://smarterdividends.com/compare/bac-vs-czwi
| Metric | BAC | CZWI |
|---|---|---|
| Forward yield | 2.50% | 1.48% |
| Annual dividend | $1.28 | $0.32 |
| Payout ratio | 26% | 16% |
| Years of growth | 12 yr | 6 yr |
| 5-yr dividend growth | 8.4% | 11.4% |
| 5-yr total return | 15% | 55% |
| Dividend safety score | 87 (A) | 63 (C) |
| Fair value estimate | $63.43 | $17.51 |
| Upside to fair value | +24% | -17% |
| Frequency | quarterly | quarterly |
| Market cap | $358.2B | $204.8M |
| P/E ratio | 12.2 | 16.2 |
Higher yield
BAC
2.50%
Safer dividend
BAC
Grade A
Faster growth
CZWI
11.4%
Better value
BAC
+24% upside
BAC vs CZWI — FAQ
Is BAC or CZWI a better dividend stock?
On the data, BAC wins more head-to-head categories (5 vs 3). BAC offers the higher yield (2.50%), 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 CZWI?
BAC has the higher forward dividend yield at 2.50%, versus 1.48% for CZWI.
Is BAC or CZWI safer?
BAC has the higher dividend-safety score (87/100 vs 63/100), reflecting stronger payout coverage and dividend-growth history.
Is BAC or CZWI better value right now?
As of Oct 18, 2026, BAC looks like the better value: its fair-value estimate is 24% above its share price (undervalued). For CZWI, its fair-value estimate is 17% below its share price.
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See more dividend stock comparisons · data refreshes daily · for informational purposes only, not investment advice.