BAC vs FCNCA: Which Is the Better Dividend Stock?
As of September 2026, FCNCA (First Citizens BancShares, Inc.) screens as the stronger dividend stock, winning 6 of 8 head-to-head metrics. BAC offers the higher yield at 2.29%, FCNCA has the higher dividend-safety score, and FCNCA trades at the larger discount to fair value (+150%).
| Metric | BAC | FCNCA |
|---|---|---|
| Forward yield | 2.29% | 0.41% |
| Annual dividend | $1.28 | $8.40 |
| Payout ratio | 26% | 4% |
| Years of growth | 12 yr | 3 yr |
| 5-yr dividend growth | 8.4% | 36.6% |
| 5-yr total return | 21% | 159% |
| Dividend safety score | 86 (A) | 94 (A) |
| Fair value estimate | $91.91 | $5,287.78 |
| Upside to fair value | +59% | +150% |
| Frequency | quarterly | quarterly |
| Market cap | $390.9B | $23.1B |
| P/E ratio | 12.9 | 11.0 |
Higher yield
BAC
2.29%
Safer dividend
FCNCA
Grade A
Faster growth
FCNCA
36.6%
Better value
FCNCA
+150% upside
BAC vs FCNCA — FAQ
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