BAC vs SMBK: Which Is the Better Dividend Stock?
As of Nov 8, 2026, BAC and SMBK are closely matched. BAC offers the higher yield at 2.59%, BAC has the higher dividend-safety score, and SMBK looks like the better value (its fair-value estimate is 86% above its share price).
Key facts: BAC vs SMBK
Data as of · Source: SmarterDividends data
- As of Nov 8, 2026, Bank of America Corporation (BAC) has the higher forward dividend yield at 2.59%, versus 0.75% for SmartFinancial, Inc. (SMBK).
- As of Nov 8, 2026, SmarterDividends grades BAC's dividend safety A (85/100) and SMBK's B (70/100).
- By SmarterDividends' count as of Nov 8, 2026, BAC has raised its dividend for 12 consecutive years and SMBK for 0.
- As of Nov 8, 2026, BAC pays out 28% of its earnings as dividends and SMBK pays out 10%.
- As of Nov 8, 2026, BAC's fair-value estimate is 29% above its share price and SMBK's fair-value estimate is 86% above its share price, so SMBK looks like the better value of the two on SmarterDividends' blended model.
Cite this page
SmarterDividends, "BAC vs SMBK: Dividend Yield, Safety & Value Compared," updated Nov 8, 2026, https://smarterdividends.com/compare/bac-vs-smbk
| Metric | BAC | SMBK |
|---|---|---|
| Forward yield | 2.59% | 0.75% |
| Annual dividend | $1.28 | $0.36 |
| Payout ratio | 28% | 10% |
| Years of growth | 12 yr | 0 yr |
| 5-yr dividend growth | 8.4% | 9.9% |
| 5-yr total return | 11% | 86% |
| Dividend safety score | 85 (A) | 70 (B) |
| Fair value estimate | $63.64 | $88.66 |
| Upside to fair value | +29% | +86% |
| Frequency | quarterly | quarterly |
| Market cap | $341.0B | $816.1M |
| P/E ratio | 11.8 | 13.0 |
Higher yield
BAC
2.59%
Safer dividend
BAC
Grade A
Faster growth
SMBK
9.9%
Better value
SMBK
+86% upside
BAC vs SMBK — FAQ
Is BAC or SMBK a better dividend stock?
BAC and SMBK are closely matched. BAC has the higher yield; BAC scores better on safety.
Which has a higher dividend yield, BAC or SMBK?
BAC has the higher forward dividend yield at 2.59%, versus 0.75% for SMBK.
Is BAC or SMBK safer?
BAC has the higher dividend-safety score (85/100 vs 70/100), reflecting stronger payout coverage and dividend-growth history.
Is BAC or SMBK better value right now?
As of Nov 8, 2026, SMBK looks like the better value: its fair-value estimate is 86% above its share price (undervalued). For BAC, its fair-value estimate is 29% above its share price.
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See more dividend stock comparisons · data refreshes daily · for informational purposes only, not investment advice.