BAC vs HBT: Which Is the Better Dividend Stock?
As of Nov 7, 2026, BAC (Bank of America Corporation) screens as the stronger dividend stock, winning 6 of 8 head-to-head metrics. HBT offers the higher yield at 2.70%, BAC 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 HBT
Data as of · Source: SmarterDividends data
- As of Nov 7, 2026, HBT Financial, Inc. (HBT) has the higher forward dividend yield at 2.70%, versus 2.59% for Bank of America Corporation (BAC).
- As of Nov 7, 2026, SmarterDividends grades BAC's dividend safety A (85/100) and HBT's A (82/100).
- By SmarterDividends' count as of Nov 7, 2026, BAC has raised its dividend for 12 consecutive years and HBT for 4.
- As of Nov 7, 2026, BAC pays out 28% of its earnings as dividends and HBT pays out 37%.
- As of Nov 7, 2026, BAC's fair-value estimate is 29% above its share price and HBT's fair-value estimate is 25% above its share price, so BAC looks like the better value of the two on SmarterDividends' blended model.
Cite this page
SmarterDividends, "BAC vs HBT: Dividend Yield, Safety & Value Compared," updated Nov 7, 2026, https://smarterdividends.com/compare/bac-vs-hbt
| Metric | BAC | HBT |
|---|---|---|
| Forward yield | 2.59% | 2.70% |
| Annual dividend | $1.28 | $1.00 |
| Payout ratio | 28% | 37% |
| Years of growth | 12 yr | 4 yr |
| 5-yr dividend growth | 8.4% | 7.0% |
| 5-yr total return | 11% | 106% |
| Dividend safety score | 85 (A) | 82 (A) |
| Fair value estimate | $63.64 | $46.41 |
| Upside to fair value | +29% | +25% |
| Frequency | quarterly | quarterly |
| Market cap | $341.0B | $1.3B |
| P/E ratio | 11.8 | 14.3 |
Higher yield
HBT
2.70%
Safer dividend
BAC
Grade A
Faster growth
BAC
8.4%
Better value
BAC
+29% upside
BAC vs HBT — FAQ
Is BAC or HBT a better dividend stock?
On the data, BAC wins more head-to-head categories (6 vs 2). HBT offers the higher yield (2.70%), while BAC 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 HBT?
HBT has the higher forward dividend yield at 2.70%, versus 2.59% for BAC.
Is BAC or HBT safer?
BAC has the higher dividend-safety score (85/100 vs 82/100), reflecting stronger payout coverage and dividend-growth history.
Is BAC or HBT better value right now?
As of Nov 7, 2026, BAC looks like the better value: its fair-value estimate is 29% above its share price (undervalued). For HBT, its fair-value estimate is 25% above its share price.
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See more dividend stock comparisons · data refreshes daily · for informational purposes only, not investment advice.