BAC vs NBTB: Which Is the Better Dividend Stock?
As of Oct 31, 2026, NBTB (NBT Bancorp Inc.) screens as the stronger dividend stock, winning 6 of 8 head-to-head metrics. NBTB offers the higher yield at 3.06%, NBTB has the higher dividend-safety score, and NBTB looks like the better value (its fair-value estimate is 41% above its share price).
Key facts: BAC vs NBTB
Data as of · Source: SmarterDividends data
- As of Oct 31, 2026, NBT Bancorp Inc. (NBTB) has the higher forward dividend yield at 3.06%, versus 2.56% for Bank of America Corporation (BAC).
- As of Oct 31, 2026, SmarterDividends grades BAC's dividend safety A (87/100) and NBTB's A (99/100).
- By SmarterDividends' count as of Oct 31, 2026, BAC has raised its dividend for 12 consecutive years and NBTB for 13.
- As of Oct 31, 2026, BAC pays out 26% of its earnings as dividends and NBTB pays out 36%.
- As of Oct 31, 2026, BAC's fair-value estimate is 27% above its share price and NBTB's fair-value estimate is 41% above its share price, so NBTB looks like the better value of the two on SmarterDividends' blended model.
Cite this page
SmarterDividends, "BAC vs NBTB: Dividend Yield, Safety & Value Compared," updated Oct 31, 2026, https://smarterdividends.com/compare/bac-vs-nbtb
| Metric | BAC | NBTB |
|---|---|---|
| Forward yield | 2.56% | 3.06% |
| Annual dividend | $1.28 | $1.60 |
| Payout ratio | 26% | 36% |
| Years of growth | 12 yr | 13 yr |
| 5-yr dividend growth | 8.4% | 5.6% |
| 5-yr total return | 12% | 45% |
| Dividend safety score | 87 (A) | 99 (A) |
| Fair value estimate | $63.43 | $73.61 |
| Upside to fair value | +27% | +41% |
| Frequency | quarterly | quarterly |
| Market cap | $346.2B | $2.7B |
| P/E ratio | 11.9 | 12.5 |
Higher yield
NBTB
3.06%
Safer dividend
NBTB
Grade A
Faster growth
BAC
8.4%
Better value
NBTB
+41% upside
BAC vs NBTB — FAQ
Is BAC or NBTB a better dividend stock?
On the data, NBTB wins more head-to-head categories (6 vs 2). NBTB offers the higher yield (3.06%), while NBTB 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 NBTB?
NBTB has the higher forward dividend yield at 3.06%, versus 2.56% for BAC.
Is BAC or NBTB safer?
NBTB has the higher dividend-safety score (99/100 vs 87/100), reflecting stronger payout coverage and dividend-growth history.
Is BAC or NBTB better value right now?
As of Oct 31, 2026, NBTB looks like the better value: its fair-value estimate is 41% above its share price (undervalued). For BAC, its fair-value estimate is 27% above its share price.
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See more dividend stock comparisons · data refreshes daily · for informational purposes only, not investment advice.