BAC vs EFSI: Which Is the Better Dividend Stock?
As of Oct 18, 2026, EFSI (Eagle Financial Services, Inc.) screens as the stronger dividend stock, winning 5 of 8 head-to-head metrics. EFSI offers the higher yield at 2.70%, EFSI has the higher dividend-safety score, and EFSI looks like the better value (its fair-value estimate is 32% above its share price).
Key facts: BAC vs EFSI
Data as of · Source: SmarterDividends data
- As of Oct 18, 2026, Eagle Financial Services, Inc. (EFSI) has the higher forward dividend yield at 2.70%, versus 2.50% for Bank of America Corporation (BAC).
- As of Oct 18, 2026, SmarterDividends grades BAC's dividend safety A (87/100) and EFSI's A (95/100).
- By SmarterDividends' count as of Oct 18, 2026, BAC has raised its dividend for 12 consecutive years and EFSI for 22.
- As of Oct 18, 2026, BAC pays out 26% of its earnings as dividends and EFSI pays out 36%.
- As of Oct 18, 2026, BAC's fair-value estimate is 24% above its share price and EFSI's fair-value estimate is 32% above its share price, so EFSI looks like the better value of the two on SmarterDividends' blended model.
Cite this page
SmarterDividends, "BAC vs EFSI: Dividend Yield, Safety & Value Compared," updated Oct 18, 2026, https://smarterdividends.com/compare/bac-vs-efsi
| Metric | BAC | EFSI |
|---|---|---|
| Forward yield | 2.50% | 2.70% |
| Annual dividend | $1.28 | $1.24 |
| Payout ratio | 26% | 36% |
| Years of growth | 12 yr | 22 yr |
| 5-yr dividend growth | 8.4% | 3.6% |
| 5-yr total return | 15% | 28% |
| Dividend safety score | 87 (A) | 95 (A) |
| Fair value estimate | $63.43 | $60.73 |
| Upside to fair value | +24% | +32% |
| Frequency | quarterly | quarterly |
| Market cap | $358.2B | $248.4M |
| P/E ratio | 12.2 | 13.2 |
Higher yield
EFSI
2.70%
Safer dividend
EFSI
Grade A
Faster growth
BAC
8.4%
Better value
EFSI
+32% upside
BAC vs EFSI — FAQ
Is BAC or EFSI a better dividend stock?
On the data, EFSI wins more head-to-head categories (5 vs 3). EFSI offers the higher yield (2.70%), while EFSI 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 EFSI?
EFSI has the higher forward dividend yield at 2.70%, versus 2.50% for BAC.
Is BAC or EFSI safer?
EFSI has the higher dividend-safety score (95/100 vs 87/100), reflecting stronger payout coverage and dividend-growth history.
Is BAC or EFSI better value right now?
As of Oct 18, 2026, EFSI looks like the better value: its fair-value estimate is 32% 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.