BAC vs OBT: Which Is the Better Dividend Stock?
As of Oct 18, 2026, BAC and OBT are closely matched. BAC offers the higher yield at 2.50%, OBT has the higher dividend-safety score, and OBT looks like the better value (its fair-value estimate is 44% above its share price).
Key facts: BAC vs OBT
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 1.94% for Orange County Bancorp, Inc. (OBT).
- As of Oct 18, 2026, SmarterDividends grades BAC's dividend safety A (87/100) and OBT's A (91/100).
- By SmarterDividends' count as of Oct 18, 2026, BAC has raised its dividend for 12 consecutive years and OBT for 4.
- As of Oct 18, 2026, BAC pays out 26% of its earnings as dividends and OBT pays out 19%.
- As of Oct 18, 2026, BAC's fair-value estimate is 24% above its share price and OBT's fair-value estimate is 44% above its share price, so OBT looks like the better value of the two on SmarterDividends' blended model.
Cite this page
SmarterDividends, "BAC vs OBT: Dividend Yield, Safety & Value Compared," updated Oct 18, 2026, https://smarterdividends.com/compare/bac-vs-obt
| Metric | BAC | OBT |
|---|---|---|
| Forward yield | 2.50% | 1.94% |
| Annual dividend | $1.28 | $0.72 |
| Payout ratio | 26% | 19% |
| Years of growth | 12 yr | 4 yr |
| 5-yr dividend growth | 8.4% | 7.3% |
| 5-yr total return | 15% | 102% |
| Dividend safety score | 87 (A) | 91 (A) |
| Fair value estimate | $63.43 | $53.54 |
| Upside to fair value | +24% | +44% |
| Frequency | quarterly | quarterly |
| Market cap | $358.2B | $498.6M |
| P/E ratio | 12.2 | 10.4 |
Higher yield
BAC
2.50%
Safer dividend
OBT
Grade A
Faster growth
BAC
8.4%
Better value
OBT
+44% upside
BAC vs OBT — FAQ
Is BAC or OBT a better dividend stock?
BAC and OBT are closely matched. BAC has the higher yield; OBT scores better on safety.
Which has a higher dividend yield, BAC or OBT?
BAC has the higher forward dividend yield at 2.50%, versus 1.94% for OBT.
Is BAC or OBT safer?
OBT has the higher dividend-safety score (91/100 vs 87/100), reflecting stronger payout coverage and dividend-growth history.
Is BAC or OBT better value right now?
As of Oct 18, 2026, OBT looks like the better value: its fair-value estimate is 44% 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.