FFIN vs HBCYF: Which Is the Better Dividend Stock?
As of Nov 8, 2026, FFIN (First Financial Bankshares, Inc.) screens as the stronger dividend stock, winning 5 of 7 head-to-head metrics. FFIN offers the higher yield at 2.89%, FFIN has the higher dividend-safety score, and HBCYF looks like the better value (its fair-value estimate is 40% above its share price).
Key facts: FFIN vs HBCYF
Data as of · Source: SmarterDividends data
- As of Nov 8, 2026, First Financial Bankshares, Inc. (FFIN) has the higher forward dividend yield at 2.89%, versus 2.29% for HSBC Holdings plc (HBCYF).
- As of Nov 8, 2026, SmarterDividends grades FFIN's dividend safety A (94/100) and HBCYF's C (56/100).
- By SmarterDividends' count as of Nov 8, 2026, FFIN has raised its dividend for 14 consecutive years and HBCYF for 0.
- As of Nov 8, 2026, FFIN pays out 41% of its earnings as dividends and HBCYF pays out 54%.
- As of Nov 8, 2026, FFIN's fair-value estimate is 21% below its share price and HBCYF's fair-value estimate is 40% above its share price, so HBCYF looks like the better value of the two on SmarterDividends' blended model.
Cite this page
SmarterDividends, "FFIN vs HBCYF: Dividend Yield, Safety & Value Compared," updated Nov 8, 2026, https://smarterdividends.com/compare/ffin-vs-hbcyf
| Metric | FFIN | HBCYF |
|---|---|---|
| Forward yield | 2.89% | 2.29% |
| Annual dividend | $0.88 | $0.40 |
| Payout ratio | 41% | 54% |
| Years of growth | 14 yr | 0 yr |
| 5-yr dividend growth | 8.0% | — |
| 5-yr total return | -39% | 214% |
| Dividend safety score | 94 (A) | 56 (C) |
| Fair value estimate | $24.13 | $24.43 |
| Upside to fair value | -21% | +40% |
| Frequency | quarterly | quarterly |
| Market cap | $4.4B | $298.7B |
| P/E ratio | 15.1 | 11.4 |
Higher yield
FFIN
2.89%
Safer dividend
FFIN
Grade A
Faster growth
FFIN
8.0%
Better value
HBCYF
+40% upside
FFIN vs HBCYF — FAQ
Is FFIN or HBCYF a better dividend stock?
On the data, FFIN wins more head-to-head categories (5 vs 2). FFIN offers the higher yield (2.89%), while FFIN has the stronger dividend-safety score. The right pick depends on whether you prioritise income, safety or value.
Which has a higher dividend yield, FFIN or HBCYF?
FFIN has the higher forward dividend yield at 2.89%, versus 2.29% for HBCYF.
Is FFIN or HBCYF safer?
FFIN has the higher dividend-safety score (94/100 vs 56/100), reflecting stronger payout coverage and dividend-growth history.
Is FFIN or HBCYF better value right now?
As of Nov 8, 2026, HBCYF looks like the better value: its fair-value estimate is 40% above its share price (undervalued). For FFIN, its fair-value estimate is 21% below its share price.
Related comparisons
See more dividend stock comparisons · data refreshes daily · for informational purposes only, not investment advice.