FFIN vs MA: Which Is the Better Dividend Stock?
As of Nov 8, 2026, MA (Mastercard Incorporated) screens as the stronger dividend stock, winning 4 of 7 head-to-head metrics. FFIN offers the higher yield at 2.89%, FFIN has the higher dividend-safety score, and FFIN looks like the better value (its fair-value estimate is 21% below its share price).
Key facts: FFIN vs MA
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 0.53% for Mastercard Incorporated (MA).
- As of Nov 8, 2026, SmarterDividends grades FFIN's dividend safety A (94/100) and MA's A (89/100).
- By SmarterDividends' count as of Nov 8, 2026, FFIN has raised its dividend for 14 consecutive years and MA for 14.
- As of Nov 8, 2026, FFIN pays out 41% of its earnings as dividends and MA pays out 18%.
- As of Nov 8, 2026, FFIN's fair-value estimate is 21% below its share price and MA's fair-value estimate is 24% below its share price, so FFIN looks like the better value of the two on SmarterDividends' blended model.
Cite this page
SmarterDividends, "FFIN vs MA: Dividend Yield, Safety & Value Compared," updated Nov 8, 2026, https://smarterdividends.com/compare/ffin-vs-ma
| Metric | FFIN | MA |
|---|---|---|
| Forward yield | 2.89% | 0.53% |
| Annual dividend | $0.88 | $3.48 |
| Payout ratio | 41% | 18% |
| Years of growth | 14 yr | 14 yr |
| 5-yr dividend growth | 8.0% | 13.7% |
| 5-yr total return | -39% | 107% |
| Dividend safety score | 94 (A) | 89 (A) |
| Fair value estimate | $24.13 | $499.25 |
| Upside to fair value | -21% | -24% |
| Frequency | quarterly | quarterly |
| Market cap | $4.4B | $568.6B |
| P/E ratio | 15.1 | 34.2 |
Higher yield
FFIN
2.89%
Safer dividend
FFIN
Grade A
Faster growth
MA
13.7%
Better value
FFIN
-21% upside
FFIN vs MA — FAQ
Is FFIN or MA a better dividend stock?
On the data, MA wins more head-to-head categories (4 vs 3). 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 MA?
FFIN has the higher forward dividend yield at 2.89%, versus 0.53% for MA.
Is FFIN or MA safer?
FFIN has the higher dividend-safety score (94/100 vs 89/100), reflecting stronger payout coverage and dividend-growth history.
Is FFIN or MA better value right now?
As of Nov 8, 2026, FFIN looks like the better value: its fair-value estimate is 21% below its share price (overvalued). For MA, its fair-value estimate is 24% below its share price.
Related comparisons
See more dividend stock comparisons · data refreshes daily · for informational purposes only, not investment advice.