BAC vs HCI: Which Is the Better Dividend Stock?
As of Oct 18, 2026, HCI (HCI Group, Inc.) screens as the stronger dividend stock, winning 5 of 8 head-to-head metrics. BAC offers the higher yield at 2.50%, HCI has the higher dividend-safety score, and HCI looks like the better value (its fair-value estimate is 24% above its share price).
Key facts: BAC vs HCI
Data as of · Source: SmarterDividends data
- As of Oct 18, 2026, Bank of America Corporation (BAC) has the higher forward dividend yield at 2.50%, versus 0.81% for HCI Group, Inc. (HCI).
- As of Oct 18, 2026, SmarterDividends grades BAC's dividend safety A (87/100) and HCI's A (94/100).
- By SmarterDividends' count as of Oct 18, 2026, BAC has raised its dividend for 12 consecutive years and HCI for 0.
- As of Oct 18, 2026, BAC pays out 26% of its earnings as dividends and HCI pays out 7%.
- As of Oct 18, 2026, BAC's fair-value estimate is 24% above its share price and HCI's fair-value estimate is 24% above its share price, so HCI looks like the better value of the two on SmarterDividends' blended model.
Cite this page
SmarterDividends, "BAC vs HCI: Dividend Yield, Safety & Value Compared," updated Oct 18, 2026, https://smarterdividends.com/compare/bac-vs-hci
| Metric | BAC | HCI |
|---|---|---|
| Forward yield | 2.50% | 0.81% |
| Annual dividend | $1.28 | $1.60 |
| Payout ratio | 26% | 7% |
| Years of growth | 12 yr | 0 yr |
| 5-yr dividend growth | 8.4% | 0.0% |
| 5-yr total return | 15% | 80% |
| Dividend safety score | 87 (A) | 94 (A) |
| Fair value estimate | $63.43 | $247.11 |
| Upside to fair value | +24% | +24% |
| Frequency | quarterly | quarterly |
| Market cap | $358.2B | $2.5B |
| P/E ratio | 12.2 | 8.6 |
Higher yield
BAC
2.50%
Safer dividend
HCI
Grade A
Faster growth
BAC
8.4%
Better value
HCI
+24% upside
BAC vs HCI — FAQ
Is BAC or HCI a better dividend stock?
On the data, HCI wins more head-to-head categories (5 vs 3). BAC offers the higher yield (2.50%), while HCI 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 HCI?
BAC has the higher forward dividend yield at 2.50%, versus 0.81% for HCI.
Is BAC or HCI safer?
HCI has the higher dividend-safety score (94/100 vs 87/100), reflecting stronger payout coverage and dividend-growth history.
Is BAC or HCI better value right now?
As of Oct 18, 2026, HCI looks like the better value: its fair-value estimate is 24% above its share price (undervalued). For BAC, its fair-value estimate is 24% above its share price.
Related comparisons
See more dividend stock comparisons · data refreshes daily · for informational purposes only, not investment advice.