BAC vs FCAP: Which Is the Better Dividend Stock?
As of Oct 18, 2026, BAC (Bank of America Corporation) screens as the stronger dividend stock, winning 4 of 7 head-to-head metrics. BAC offers the higher yield at 2.50%, FCAP 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 FCAP
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 2.09% for First Capital, Inc. (FCAP).
- As of Oct 18, 2026, SmarterDividends grades BAC's dividend safety A (87/100) and FCAP's A (96/100).
- By SmarterDividends' count as of Oct 18, 2026, BAC has raised its dividend for 12 consecutive years and FCAP for 3.
- As of Oct 18, 2026, BAC pays out 26% of its earnings as dividends and FCAP pays out 22%.
- As of Oct 18, 2026, BAC's fair-value estimate is 24% above its share price and FCAP's fair-value estimate is 10% below its share price, so BAC looks like the better value of the two on SmarterDividends' blended model.
Cite this page
SmarterDividends, "BAC vs FCAP: Dividend Yield, Safety & Value Compared," updated Oct 18, 2026, https://smarterdividends.com/compare/bac-vs-fcap
| Metric | BAC | FCAP |
|---|---|---|
| Forward yield | 2.50% | 2.09% |
| Annual dividend | $1.28 | $1.28 |
| Payout ratio | 26% | 22% |
| Years of growth | 12 yr | 3 yr |
| 5-yr dividend growth | 8.4% | 4.6% |
| 5-yr total return | 15% | 50% |
| Dividend safety score | 87 (A) | 96 (A) |
| Fair value estimate | $63.43 | $55.21 |
| Upside to fair value | +24% | -10% |
| Frequency | quarterly | quarterly |
| Market cap | $358.2B | $204.6M |
| P/E ratio | 12.2 | 11.1 |
Higher yield
BAC
2.50%
Safer dividend
FCAP
Grade A
Faster growth
BAC
8.4%
Better value
BAC
+24% upside
BAC vs FCAP — FAQ
Is BAC or FCAP a better dividend stock?
On the data, BAC wins more head-to-head categories (4 vs 3). BAC offers the higher yield (2.50%), while FCAP 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 FCAP?
BAC has the higher forward dividend yield at 2.50%, versus 2.09% for FCAP.
Is BAC or FCAP safer?
FCAP has the higher dividend-safety score (96/100 vs 87/100), reflecting stronger payout coverage and dividend-growth history.
Is BAC or FCAP 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 FCAP, its fair-value estimate is 10% below its share price.
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See more dividend stock comparisons · data refreshes daily · for informational purposes only, not investment advice.