BAC vs OMF: Which Is the Better Dividend Stock?
As of July 2026, BAC (Bank of America Corporation) screens as the stronger dividend stock, winning 5 of 8 head-to-head metrics. OMF offers the higher yield at 6.97%, BAC has the higher dividend-safety score, and OMF trades at the larger discount to fair value (+78%).
| Metric | BAC | OMF |
|---|---|---|
| Forward yield | 1.83% | 6.97% |
| Annual dividend | $1.12 | $4.20 |
| Payout ratio | 26% | 62% |
| Years of growth | 12 yr | 3 yr |
| 5-yr dividend growth | 8.4% | -6.8% |
| 5-yr total return | 47% | 4% |
| Dividend safety score | 85 (A) | 74 (B) |
| Fair value estimate | $101.75 | $107.35 |
| Upside to fair value | +66% | +78% |
| Frequency | quarterly | quarterly |
| Market cap | $424.0B | $7.0B |
| P/E ratio | 14.1 | 9.0 |
Higher yield
OMF
6.97%
Safer dividend
BAC
Grade A
Faster growth
BAC
8.4%
Better value
OMF
+78% upside
BAC vs OMF — FAQ
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