BY vs MA: Which Is the Better Dividend Stock?
As of Oct 18, 2026, BY and MA are closely matched. BY offers the higher yield at 1.50%, MA has the higher dividend-safety score, and BY looks like the better value (its fair-value estimate is 29% above its share price).
Key facts: BY vs MA
Data as of · Source: SmarterDividends data
- As of Oct 18, 2026, Byline Bancorp, Inc. (BY) has the higher forward dividend yield at 1.50%, versus 0.56% for Mastercard Incorporated (MA).
- As of Oct 18, 2026, SmarterDividends grades BY's dividend safety A (82/100) and MA's A (89/100).
- By SmarterDividends' count as of Oct 18, 2026, BY has raised its dividend for 1 consecutive years and MA for 14.
- As of Oct 18, 2026, BY pays out 13% of its earnings as dividends and MA pays out 18%.
- As of Oct 18, 2026, BY's fair-value estimate is 29% above its share price and MA's fair-value estimate is 23% below its share price, so BY looks like the better value of the two on SmarterDividends' blended model.
Cite this page
SmarterDividends, "BY vs MA: Dividend Yield, Safety & Value Compared," updated Oct 18, 2026, https://smarterdividends.com/compare/by-vs-ma
| Metric | BY | MA |
|---|---|---|
| Forward yield | 1.50% | 0.56% |
| Annual dividend | $0.56 | $3.48 |
| Payout ratio | 13% | 18% |
| Years of growth | 1 yr | 14 yr |
| 5-yr dividend growth | 27.2% | 13.7% |
| 5-yr total return | 44% | 96% |
| Dividend safety score | 82 (A) | 89 (A) |
| Fair value estimate | $48.19 | $474.95 |
| Upside to fair value | +29% | -23% |
| Frequency | quarterly | quarterly |
| Market cap | $1.7B | $540.9B |
| P/E ratio | 11.2 | 34.0 |
Higher yield
BY
1.50%
Safer dividend
MA
Grade A
Faster growth
BY
27.2%
Better value
BY
+29% upside
BY vs MA — FAQ
Is BY or MA a better dividend stock?
BY and MA are closely matched. BY has the higher yield; MA scores better on safety.
Which has a higher dividend yield, BY or MA?
BY has the higher forward dividend yield at 1.50%, versus 0.56% for MA.
Is BY or MA safer?
MA has the higher dividend-safety score (89/100 vs 82/100), reflecting stronger payout coverage and dividend-growth history.
Is BY or MA better value right now?
As of Oct 18, 2026, BY looks like the better value: its fair-value estimate is 29% above its share price (undervalued). For MA, its fair-value estimate is 23% below its share price.
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See more dividend stock comparisons · data refreshes daily · for informational purposes only, not investment advice.