BAC vs JFIN: Which Is the Better Dividend Stock?
As of September 2026, BAC (Bank of America Corporation) screens as the stronger dividend stock, winning 5 of 7 head-to-head metrics. JFIN offers the higher yield at 27.40%, BAC has the higher dividend-safety score, and JFIN trades at the larger discount to fair value (+221%).
| Metric | BAC | JFIN |
|---|---|---|
| Forward yield | 2.05% | 27.40% |
| Annual dividend | $1.28 | $0.80 |
| Payout ratio | 26% | 122% |
| Years of growth | 12 yr | 2 yr |
| 5-yr dividend growth | 8.4% | — |
| 5-yr total return | 48% | -61% |
| Dividend safety score | 86 (A) | 58 (C) |
| Fair value estimate | $90.46 | $5.45 |
| Upside to fair value | +44% | +221% |
| Frequency | quarterly | semiannual |
| Market cap | $438.4B | $75.4M |
| P/E ratio | 14.4 | 2.0 |
Higher yield
JFIN
27.40%
Safer dividend
BAC
Grade A
Faster growth
BAC
8.4%
Better value
JFIN
+221% upside
BAC vs JFIN — FAQ
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