BAC vs USB: Which Is the Better Dividend Stock?
As of September 2026, BAC and USB are closely matched. USB offers the higher yield at 3.60%, BAC has the higher dividend-safety score, and USB trades at the larger discount to fair value (+97%).
| Metric | BAC | USB |
|---|---|---|
| Forward yield | 2.22% | 3.60% |
| Annual dividend | $1.28 | $2.16 |
| Payout ratio | 26% | 42% |
| Years of growth | 12 yr | 15 yr |
| 5-yr dividend growth | 8.4% | 4.0% |
| 5-yr total return | 21% | -1% |
| Dividend safety score | 86 (A) | 85 (A) |
| Fair value estimate | $91.91 | $118.61 |
| Upside to fair value | +59% | +97% |
| Frequency | quarterly | quarterly |
| Market cap | $403.7B | $93.6B |
| P/E ratio | 13.3 | 12.0 |
Higher yield
USB
3.60%
Safer dividend
BAC
Grade A
Faster growth
BAC
8.4%
Better value
USB
+97% upside
BAC vs USB — FAQ
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