HBCYF vs HBT: Which Is the Better Dividend Stock?
As of Nov 7, 2026, HBT (HBT Financial, Inc.) screens as the stronger dividend stock, winning 5 of 7 head-to-head metrics. HBT offers the higher yield at 2.70%, HBT has the higher dividend-safety score, and HBCYF looks like the better value (its fair-value estimate is 41% above its share price).
Key facts: HBCYF vs HBT
Data as of · Source: SmarterDividends data
- As of Nov 7, 2026, HBT Financial, Inc. (HBT) has the higher forward dividend yield at 2.70%, versus 2.29% for HSBC Holdings plc (HBCYF).
- As of Nov 7, 2026, SmarterDividends grades HBCYF's dividend safety C (56/100) and HBT's A (82/100).
- By SmarterDividends' count as of Nov 7, 2026, HBCYF has raised its dividend for 0 consecutive years and HBT for 4.
- As of Nov 7, 2026, HBCYF pays out 54% of its earnings as dividends and HBT pays out 37%.
- As of Nov 7, 2026, HBCYF's fair-value estimate is 41% above its share price and HBT's fair-value estimate is 25% above its share price, so HBCYF looks like the better value of the two on SmarterDividends' blended model.
Cite this page
SmarterDividends, "HBCYF vs HBT: Dividend Yield, Safety & Value Compared," updated Nov 7, 2026, https://smarterdividends.com/compare/hbcyf-vs-hbt
| Metric | HBCYF | HBT |
|---|---|---|
| Forward yield | 2.29% | 2.70% |
| Annual dividend | $0.40 | $1.00 |
| Payout ratio | 54% | 37% |
| Years of growth | 0 yr | 4 yr |
| 5-yr dividend growth | — | 7.0% |
| 5-yr total return | 218% | 106% |
| Dividend safety score | 56 (C) | 82 (A) |
| Fair value estimate | $24.67 | $46.41 |
| Upside to fair value | +41% | +25% |
| Frequency | quarterly | quarterly |
| Market cap | $298.7B | $1.3B |
| P/E ratio | 11.3 | 14.3 |
Higher yield
HBT
2.70%
Safer dividend
HBT
Grade A
Faster growth
HBT
7.0%
Better value
HBCYF
+41% upside
HBCYF vs HBT — FAQ
Is HBCYF or HBT a better dividend stock?
On the data, HBT wins more head-to-head categories (5 vs 2). HBT offers the higher yield (2.70%), while HBT has the stronger dividend-safety score. The right pick depends on whether you prioritise income, safety or value.
Which has a higher dividend yield, HBCYF or HBT?
HBT has the higher forward dividend yield at 2.70%, versus 2.29% for HBCYF.
Is HBCYF or HBT safer?
HBT has the higher dividend-safety score (82/100 vs 56/100), reflecting stronger payout coverage and dividend-growth history.
Is HBCYF or HBT better value right now?
As of Nov 7, 2026, HBCYF looks like the better value: its fair-value estimate is 41% above its share price (undervalued). For HBT, its fair-value estimate is 25% above its share price.
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See more dividend stock comparisons · data refreshes daily · for informational purposes only, not investment advice.