BAC vs MCBS: Which Is the Better Dividend Stock?
As of Oct 18, 2026, BAC and MCBS are closely matched. MCBS offers the higher yield at 3.07%, BAC has the higher dividend-safety score, and MCBS looks like the better value (its fair-value estimate is 45% above its share price).
Key facts: BAC vs MCBS
Data as of · Source: SmarterDividends data
- As of Oct 18, 2026, MetroCity Bankshares, Inc. (MCBS) has the higher forward dividend yield at 3.07%, versus 2.50% for Bank of America Corporation (BAC).
- As of Oct 18, 2026, SmarterDividends grades BAC's dividend safety A (87/100) and MCBS's B (79/100).
- By SmarterDividends' count as of Oct 18, 2026, BAC has raised its dividend for 12 consecutive years and MCBS for 5.
- As of Oct 18, 2026, BAC pays out 26% of its earnings as dividends and MCBS pays out 36%.
- As of Oct 18, 2026, BAC's fair-value estimate is 24% above its share price and MCBS's fair-value estimate is 45% above its share price, so MCBS looks like the better value of the two on SmarterDividends' blended model.
Cite this page
SmarterDividends, "BAC vs MCBS: Dividend Yield, Safety & Value Compared," updated Oct 18, 2026, https://smarterdividends.com/compare/bac-vs-mcbs
| Metric | BAC | MCBS |
|---|---|---|
| Forward yield | 2.50% | 3.07% |
| Annual dividend | $1.28 | $1.08 |
| Payout ratio | 26% | 36% |
| Years of growth | 12 yr | 5 yr |
| 5-yr dividend growth | 8.4% | 19.1% |
| 5-yr total return | 15% | 31% |
| Dividend safety score | 87 (A) | 79 (B) |
| Fair value estimate | $63.43 | $51.10 |
| Upside to fair value | +24% | +45% |
| Frequency | quarterly | quarterly |
| Market cap | $358.2B | $1.0B |
| P/E ratio | 12.2 | 12.2 |
Higher yield
MCBS
3.07%
Safer dividend
BAC
Grade A
Faster growth
MCBS
19.1%
Better value
MCBS
+45% upside
BAC vs MCBS — FAQ
Is BAC or MCBS a better dividend stock?
BAC and MCBS are closely matched. MCBS has the higher yield; BAC scores better on safety.
Which has a higher dividend yield, BAC or MCBS?
MCBS has the higher forward dividend yield at 3.07%, versus 2.50% for BAC.
Is BAC or MCBS safer?
BAC has the higher dividend-safety score (87/100 vs 79/100), reflecting stronger payout coverage and dividend-growth history.
Is BAC or MCBS better value right now?
As of Oct 18, 2026, MCBS looks like the better value: its fair-value estimate is 45% 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.