BAC vs FUNC: Which Is the Better Dividend Stock?
As of Oct 18, 2026, BAC and FUNC are closely matched. FUNC offers the higher yield at 2.54%, BAC has the higher dividend-safety score, and FUNC looks like the better value (its fair-value estimate is 43% above its share price).
Key facts: BAC vs FUNC
Data as of · Source: SmarterDividends data
- As of Oct 18, 2026, First United Corporation (FUNC) has the higher forward dividend yield at 2.54%, versus 2.50% for Bank of America Corporation (BAC).
- As of Oct 18, 2026, SmarterDividends grades BAC's dividend safety A (87/100) and FUNC's A (80/100).
- By SmarterDividends' count as of Oct 18, 2026, BAC has raised its dividend for 12 consecutive years and FUNC for 8.
- As of Oct 18, 2026, BAC pays out 26% of its earnings as dividends and FUNC pays out 26%.
- As of Oct 18, 2026, BAC's fair-value estimate is 24% above its share price and FUNC's fair-value estimate is 43% above its share price, so FUNC looks like the better value of the two on SmarterDividends' blended model.
Cite this page
SmarterDividends, "BAC vs FUNC: Dividend Yield, Safety & Value Compared," updated Oct 18, 2026, https://smarterdividends.com/compare/bac-vs-func
| Metric | BAC | FUNC |
|---|---|---|
| Forward yield | 2.50% | 2.54% |
| Annual dividend | $1.28 | $1.12 |
| Payout ratio | 26% | 26% |
| Years of growth | 12 yr | 8 yr |
| 5-yr dividend growth | 8.4% | 12.1% |
| 5-yr total return | 15% | 137% |
| Dividend safety score | 87 (A) | 80 (A) |
| Fair value estimate | $63.43 | $63.37 |
| Upside to fair value | +24% | +43% |
| Frequency | quarterly | quarterly |
| Market cap | $358.2B | $285.5M |
| P/E ratio | 12.2 | 11.5 |
Higher yield
FUNC
2.54%
Safer dividend
BAC
Grade A
Faster growth
FUNC
12.1%
Better value
FUNC
+43% upside
BAC vs FUNC — FAQ
Is BAC or FUNC a better dividend stock?
BAC and FUNC are closely matched. FUNC has the higher yield; BAC scores better on safety.
Which has a higher dividend yield, BAC or FUNC?
FUNC has the higher forward dividend yield at 2.54%, versus 2.50% for BAC.
Is BAC or FUNC safer?
BAC has the higher dividend-safety score (87/100 vs 80/100), reflecting stronger payout coverage and dividend-growth history.
Is BAC or FUNC better value right now?
As of Oct 18, 2026, FUNC looks like the better value: its fair-value estimate is 43% above its share price (undervalued). For BAC, its fair-value estimate is 24% above its share price.
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See more dividend stock comparisons · data refreshes daily · for informational purposes only, not investment advice.