BAC vs FFIN: Which Is the Better Dividend Stock?
As of Nov 8, 2026, BAC (Bank of America Corporation) screens as the stronger dividend stock, winning 5 of 8 head-to-head metrics. FFIN offers the higher yield at 2.89%, FFIN has the higher dividend-safety score, and BAC looks like the better value (its fair-value estimate is 29% above its share price).
Key facts: BAC vs FFIN
Data as of · Source: SmarterDividends data
- As of Nov 8, 2026, First Financial Bankshares, Inc. (FFIN) has the higher forward dividend yield at 2.89%, versus 2.59% for Bank of America Corporation (BAC).
- As of Nov 8, 2026, SmarterDividends grades BAC's dividend safety A (85/100) and FFIN's A (94/100).
- By SmarterDividends' count as of Nov 8, 2026, BAC has raised its dividend for 12 consecutive years and FFIN for 14.
- As of Nov 8, 2026, BAC pays out 28% of its earnings as dividends and FFIN pays out 41%.
- As of Nov 8, 2026, BAC's fair-value estimate is 29% above its share price and FFIN's fair-value estimate is 21% below its share price, so BAC looks like the better value of the two on SmarterDividends' blended model.
Cite this page
SmarterDividends, "BAC vs FFIN: Dividend Yield, Safety & Value Compared," updated Nov 8, 2026, https://smarterdividends.com/compare/bac-vs-ffin
| Metric | BAC | FFIN |
|---|---|---|
| Forward yield | 2.59% | 2.89% |
| Annual dividend | $1.28 | $0.88 |
| Payout ratio | 28% | 41% |
| Years of growth | 12 yr | 14 yr |
| 5-yr dividend growth | 8.4% | 8.0% |
| 5-yr total return | 11% | -39% |
| Dividend safety score | 85 (A) | 94 (A) |
| Fair value estimate | $63.64 | $24.13 |
| Upside to fair value | +29% | -21% |
| Frequency | quarterly | quarterly |
| Market cap | $341.0B | $4.4B |
| P/E ratio | 11.8 | 15.1 |
Higher yield
FFIN
2.89%
Safer dividend
FFIN
Grade A
Faster growth
BAC
8.4%
Better value
BAC
+29% upside
BAC vs FFIN — FAQ
Is BAC or FFIN a better dividend stock?
On the data, BAC wins more head-to-head categories (5 vs 3). FFIN offers the higher yield (2.89%), while FFIN 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 FFIN?
FFIN has the higher forward dividend yield at 2.89%, versus 2.59% for BAC.
Is BAC or FFIN safer?
FFIN has the higher dividend-safety score (94/100 vs 85/100), reflecting stronger payout coverage and dividend-growth history.
Is BAC or FFIN better value right now?
As of Nov 8, 2026, BAC looks like the better value: its fair-value estimate is 29% above its share price (undervalued). For FFIN, its fair-value estimate is 21% below its share price.
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See more dividend stock comparisons · data refreshes daily · for informational purposes only, not investment advice.