BAC vs UNIB: Which Is the Better Dividend Stock?
As of Oct 7, 2026, BAC (Bank of America Corporation) screens as the stronger dividend stock, winning 6 of 8 head-to-head metrics. BAC offers the higher yield at 2.37%, BAC has the higher dividend-safety score, and BAC looks like the better value (its fair-value estimate is 21% above its share price).
Key facts: BAC vs UNIB
Data as of · Source: SmarterDividends data
- As of Oct 7, 2026, Bank of America Corporation (BAC) has the higher forward dividend yield at 2.37%, versus 1.89% for University Bancorp, Inc. (UNIB).
- As of Oct 7, 2026, SmarterDividends grades BAC's dividend safety A (86/100) and UNIB's C (59/100).
- By SmarterDividends' count as of Oct 7, 2026, BAC has raised its dividend for 12 consecutive years and UNIB for 0.
- As of Oct 7, 2026, BAC pays out 26% of its earnings as dividends and UNIB pays out 18%.
- As of Oct 7, 2026, BAC's fair-value estimate is 21% above its share price and UNIB's fair-value estimate is 37% below its share price, so BAC looks like the better value of the two on SmarterDividends' blended model.
Cite this page
SmarterDividends, "BAC vs UNIB: Dividend Yield, Safety & Value Compared," updated Oct 7, 2026, https://smarterdividends.com/compare/bac-vs-unib
| Metric | BAC | UNIB |
|---|---|---|
| Forward yield | 2.37% | 1.89% |
| Annual dividend | $1.28 | $0.40 |
| Payout ratio | 26% | 18% |
| Years of growth | 12 yr | 0 yr |
| 5-yr dividend growth | 8.4% | -7.8% |
| 5-yr total return | 12% | 27% |
| Dividend safety score | 86 (A) | 59 (C) |
| Fair value estimate | $65.58 | $13.25 |
| Upside to fair value | +21% | -37% |
| Frequency | quarterly | weekly |
| Market cap | $378.2B | $109.3M |
| P/E ratio | 12.5 | 12.4 |
Higher yield
BAC
2.37%
Safer dividend
BAC
Grade A
Faster growth
BAC
8.4%
Better value
BAC
+21% upside
BAC vs UNIB — FAQ
Is BAC or UNIB a better dividend stock?
On the data, BAC wins more head-to-head categories (6 vs 2). BAC offers the higher yield (2.37%), while BAC 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 UNIB?
BAC has the higher forward dividend yield at 2.37%, versus 1.89% for UNIB.
Is BAC or UNIB safer?
BAC has the higher dividend-safety score (86/100 vs 59/100), reflecting stronger payout coverage and dividend-growth history.
Is BAC or UNIB better value right now?
As of Oct 7, 2026, BAC looks like the better value: its fair-value estimate is 21% above its share price (undervalued). For UNIB, its fair-value estimate is 37% below its share price.
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See more dividend stock comparisons · data refreshes daily · for informational purposes only, not investment advice.