BAC vs FCFS: Which Is the Better Dividend Stock?
As of September 2026, BAC and FCFS are closely matched. BAC offers the higher yield at 2.29%, BAC has the higher dividend-safety score, and FCFS trades at the larger discount to fair value (+71%).
| Metric | BAC | FCFS |
|---|---|---|
| Forward yield | 2.29% | 0.78% |
| Annual dividend | $1.28 | $1.68 |
| Payout ratio | 26% | 19% |
| Years of growth | 12 yr | 9 yr |
| 5-yr dividend growth | 8.4% | 8.2% |
| 5-yr total return | 21% | 148% |
| Dividend safety score | 86 (A) | 85 (A) |
| Fair value estimate | $91.91 | $375.24 |
| Upside to fair value | +59% | +71% |
| Frequency | quarterly | quarterly |
| Market cap | $390.9B | $9.4B |
| P/E ratio | 12.9 | 24.6 |
Higher yield
BAC
2.29%
Safer dividend
BAC
Grade A
Faster growth
BAC
8.4%
Better value
FCFS
+71% upside
BAC vs FCFS — FAQ
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