BAC vs HERZ: Which Is the Better Dividend Stock?
As of Oct 18, 2026, BAC (Bank of America Corporation) screens as the stronger dividend stock, winning 4 of 7 head-to-head metrics. HERZ offers the higher yield at 13.55%, BAC has the higher dividend-safety score.
Key facts: BAC vs HERZ
Data as of · Source: SmarterDividends data
- As of Oct 18, 2026, Herzfeld Credit Income Fund, Inc. (HERZ) has the higher forward dividend yield at 13.55%, versus 2.50% for Bank of America Corporation (BAC).
- As of Oct 18, 2026, SmarterDividends grades BAC's dividend safety A (87/100) and HERZ's C (56/100).
- By SmarterDividends' count as of Oct 18, 2026, BAC has raised its dividend for 12 consecutive years and HERZ for 1.
Cite this page
SmarterDividends, "BAC vs HERZ: Dividend Yield, Safety & Value Compared," updated Oct 18, 2026, https://smarterdividends.com/compare/bac-vs-herz
| Metric | BAC | HERZ |
|---|---|---|
| Forward yield | 2.50% | 13.55% |
| Annual dividend | $1.28 | $2.04 |
| Payout ratio | 26% | 671% |
| Years of growth | 12 yr | 1 yr |
| 5-yr dividend growth | 8.4% | 29.0% |
| 5-yr total return | 15% | -72% |
| Dividend safety score | 87 (A) | 56 (C) |
| Fair value estimate | $63.43 | — |
| Upside to fair value | +24% | — |
| Frequency | quarterly | monthly |
| Market cap | $358.2B | $30.4M |
| P/E ratio | 12.2 | — |
Higher yield
HERZ
13.55%
Safer dividend
BAC
Grade A
Faster growth
HERZ
29.0%
BAC vs HERZ — FAQ
Is BAC or HERZ a better dividend stock?
On the data, BAC wins more head-to-head categories (4 vs 3). HERZ offers the higher yield (13.55%), 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 HERZ?
HERZ has the higher forward dividend yield at 13.55%, versus 2.50% for BAC.
Is BAC or HERZ safer?
BAC has the higher dividend-safety score (87/100 vs 56/100), reflecting stronger payout coverage and dividend-growth history.
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See more dividend stock comparisons · data refreshes daily · for informational purposes only, not investment advice.