EFSI vs MA: Which Is the Better Dividend Stock?
As of Oct 18, 2026, EFSI and MA are closely matched. EFSI offers the higher yield at 2.70%, EFSI has the higher dividend-safety score, and EFSI looks like the better value (its fair-value estimate is 32% above its share price).
Key facts: EFSI vs MA
Data as of · Source: SmarterDividends data
- As of Oct 18, 2026, Eagle Financial Services, Inc. (EFSI) has the higher forward dividend yield at 2.70%, versus 0.56% for Mastercard Incorporated (MA).
- As of Oct 18, 2026, SmarterDividends grades EFSI's dividend safety A (95/100) and MA's A (89/100).
- By SmarterDividends' count as of Oct 18, 2026, EFSI has raised its dividend for 22 consecutive years and MA for 14.
- As of Oct 18, 2026, EFSI pays out 36% of its earnings as dividends and MA pays out 18%.
- As of Oct 18, 2026, EFSI's fair-value estimate is 32% above its share price and MA's fair-value estimate is 23% below its share price, so EFSI looks like the better value of the two on SmarterDividends' blended model.
Cite this page
SmarterDividends, "EFSI vs MA: Dividend Yield, Safety & Value Compared," updated Oct 18, 2026, https://smarterdividends.com/compare/efsi-vs-ma
| Metric | EFSI | MA |
|---|---|---|
| Forward yield | 2.70% | 0.56% |
| Annual dividend | $1.24 | $3.48 |
| Payout ratio | 36% | 18% |
| Years of growth | 22 yr | 14 yr |
| 5-yr dividend growth | 3.6% | 13.7% |
| 5-yr total return | 28% | 96% |
| Dividend safety score | 95 (A) | 89 (A) |
| Fair value estimate | $60.73 | $474.95 |
| Upside to fair value | +32% | -23% |
| Frequency | quarterly | quarterly |
| Market cap | $248.4M | $540.9B |
| P/E ratio | 13.2 | 34.0 |
Higher yield
EFSI
2.70%
Safer dividend
EFSI
Grade A
Faster growth
MA
13.7%
Better value
EFSI
+32% upside
EFSI vs MA — FAQ
Is EFSI or MA a better dividend stock?
EFSI and MA are closely matched. EFSI has the higher yield; EFSI scores better on safety.
Which has a higher dividend yield, EFSI or MA?
EFSI has the higher forward dividend yield at 2.70%, versus 0.56% for MA.
Is EFSI or MA safer?
EFSI has the higher dividend-safety score (95/100 vs 89/100), reflecting stronger payout coverage and dividend-growth history.
Is EFSI or MA better value right now?
As of Oct 18, 2026, EFSI looks like the better value: its fair-value estimate is 32% 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.