FNLC vs HBCYF: Which Is the Better Dividend Stock?
As of Nov 8, 2026, FNLC (The First Bancorp, Inc.) screens as the stronger dividend stock, winning 5 of 7 head-to-head metrics. FNLC offers the higher yield at 4.17%, FNLC 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: FNLC vs HBCYF
Data as of · Source: SmarterDividends data
- As of Nov 8, 2026, The First Bancorp, Inc. (FNLC) has the higher forward dividend yield at 4.17%, versus 2.29% for HSBC Holdings plc (HBCYF).
- As of Nov 8, 2026, SmarterDividends grades FNLC's dividend safety A (95/100) and HBCYF's C (56/100).
- By SmarterDividends' count as of Nov 8, 2026, FNLC has raised its dividend for 7 consecutive years and HBCYF for 0.
- As of Nov 8, 2026, FNLC pays out 43% of its earnings as dividends and HBCYF pays out 54%.
- As of Nov 8, 2026, FNLC's fair-value estimate is 9% above 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, "FNLC vs HBCYF: Dividend Yield, Safety & Value Compared," updated Nov 8, 2026, https://smarterdividends.com/compare/fnlc-vs-hbcyf
| Metric | FNLC | HBCYF |
|---|---|---|
| Forward yield | 4.17% | 2.29% |
| Annual dividend | $1.52 | $0.40 |
| Payout ratio | 43% | 54% |
| Years of growth | 7 yr | 0 yr |
| 5-yr dividend growth | 3.7% | — |
| 5-yr total return | 20% | 214% |
| Dividend safety score | 95 (A) | 56 (C) |
| Fair value estimate | $39.59 | $24.43 |
| Upside to fair value | +9% | +40% |
| Frequency | quarterly | quarterly |
| Market cap | $411.1M | $298.7B |
| P/E ratio | 10.4 | 11.4 |
Higher yield
FNLC
4.17%
Safer dividend
FNLC
Grade A
Faster growth
FNLC
3.7%
Better value
HBCYF
+40% upside
FNLC vs HBCYF — FAQ
Is FNLC or HBCYF a better dividend stock?
On the data, FNLC wins more head-to-head categories (5 vs 2). FNLC offers the higher yield (4.17%), while FNLC has the stronger dividend-safety score. The right pick depends on whether you prioritise income, safety or value.
Which has a higher dividend yield, FNLC or HBCYF?
FNLC has the higher forward dividend yield at 4.17%, versus 2.29% for HBCYF.
Is FNLC or HBCYF safer?
FNLC has the higher dividend-safety score (95/100 vs 56/100), reflecting stronger payout coverage and dividend-growth history.
Is FNLC 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 FNLC, its fair-value estimate is 9% above its share price.
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See more dividend stock comparisons · data refreshes daily · for informational purposes only, not investment advice.