BAC vs SPFI: Which Is the Better Dividend Stock?
As of September 2026, BAC and SPFI are closely matched. BAC offers the higher yield at 2.22%, BAC has the higher dividend-safety score, and SPFI trades at the larger discount to fair value (+65%).
| Metric | BAC | SPFI |
|---|---|---|
| Forward yield | 2.22% | 1.64% |
| Annual dividend | $1.28 | $0.72 |
| Payout ratio | 26% | 18% |
| Years of growth | 12 yr | 5 yr |
| 5-yr dividend growth | 8.4% | 38.9% |
| 5-yr total return | 21% | 68% |
| Dividend safety score | 86 (A) | 83 (A) |
| Fair value estimate | $91.91 | $72.53 |
| Upside to fair value | +59% | +65% |
| Frequency | quarterly | quarterly |
| Market cap | $403.7B | $826.7M |
| P/E ratio | 13.3 | 11.9 |
Higher yield
BAC
2.22%
Safer dividend
BAC
Grade A
Faster growth
SPFI
38.9%
Better value
SPFI
+65% upside
BAC vs SPFI — FAQ
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