BAC vs FNLC: Which Is the Better Dividend Stock?
As of Nov 8, 2026, BAC and FNLC are closely matched. FNLC offers the higher yield at 4.17%, FNLC 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 FNLC
Data as of · Source: SmarterDividends data
- As of Nov 8, 2026, The First Bancorp, Inc. (FNLC) has the higher forward dividend yield at 4.17%, versus 2.59% for Bank of America Corporation (BAC).
- As of Nov 8, 2026, SmarterDividends grades BAC's dividend safety A (85/100) and FNLC's A (95/100).
- By SmarterDividends' count as of Nov 8, 2026, BAC has raised its dividend for 12 consecutive years and FNLC for 7.
- As of Nov 8, 2026, BAC pays out 28% of its earnings as dividends and FNLC pays out 43%.
- As of Nov 8, 2026, BAC's fair-value estimate is 29% above its share price and FNLC's fair-value estimate is 9% above its share price, so BAC looks like the better value of the two on SmarterDividends' blended model.
Cite this page
SmarterDividends, "BAC vs FNLC: Dividend Yield, Safety & Value Compared," updated Nov 8, 2026, https://smarterdividends.com/compare/bac-vs-fnlc
| Metric | BAC | FNLC |
|---|---|---|
| Forward yield | 2.59% | 4.17% |
| Annual dividend | $1.28 | $1.52 |
| Payout ratio | 28% | 43% |
| Years of growth | 12 yr | 7 yr |
| 5-yr dividend growth | 8.4% | 3.7% |
| 5-yr total return | 11% | 20% |
| Dividend safety score | 85 (A) | 95 (A) |
| Fair value estimate | $63.64 | $39.59 |
| Upside to fair value | +29% | +9% |
| Frequency | quarterly | quarterly |
| Market cap | $341.0B | $411.1M |
| P/E ratio | 11.8 | 10.4 |
Higher yield
FNLC
4.17%
Safer dividend
FNLC
Grade A
Faster growth
BAC
8.4%
Better value
BAC
+29% upside
BAC vs FNLC — FAQ
Is BAC or FNLC a better dividend stock?
BAC and FNLC are closely matched. FNLC has the higher yield; FNLC scores better on safety.
Which has a higher dividend yield, BAC or FNLC?
FNLC has the higher forward dividend yield at 4.17%, versus 2.59% for BAC.
Is BAC or FNLC safer?
FNLC has the higher dividend-safety score (95/100 vs 85/100), reflecting stronger payout coverage and dividend-growth history.
Is BAC or FNLC 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 FNLC, its fair-value estimate is 9% above its share price.
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