HBCYF vs SMBK: Which Is the Better Dividend Stock?
As of Nov 8, 2026, HBCYF and SMBK are closely matched. HBCYF offers the higher yield at 2.29%, SMBK has the higher dividend-safety score, and SMBK looks like the better value (its fair-value estimate is 86% above its share price).
Key facts: HBCYF vs SMBK
Data as of · Source: SmarterDividends data
- As of Nov 8, 2026, HSBC Holdings plc (HBCYF) has the higher forward dividend yield at 2.29%, versus 0.75% for SmartFinancial, Inc. (SMBK).
- As of Nov 8, 2026, SmarterDividends grades HBCYF's dividend safety C (56/100) and SMBK's B (70/100).
- As of Nov 8, 2026, HBCYF pays out 54% of its earnings as dividends and SMBK pays out 10%.
- As of Nov 8, 2026, HBCYF's fair-value estimate is 40% above its share price and SMBK's fair-value estimate is 86% above its share price, so SMBK looks like the better value of the two on SmarterDividends' blended model.
Cite this page
SmarterDividends, "HBCYF vs SMBK: Dividend Yield, Safety & Value Compared," updated Nov 8, 2026, https://smarterdividends.com/compare/hbcyf-vs-smbk
| Metric | HBCYF | SMBK |
|---|---|---|
| Forward yield | 2.29% | 0.75% |
| Annual dividend | $0.40 | $0.36 |
| Payout ratio | 54% | 10% |
| Years of growth | 0 yr | 0 yr |
| 5-yr dividend growth | — | 9.9% |
| 5-yr total return | 214% | 86% |
| Dividend safety score | 56 (C) | 70 (B) |
| Fair value estimate | $24.43 | $88.66 |
| Upside to fair value | +40% | +86% |
| Frequency | quarterly | quarterly |
| Market cap | $298.7B | $816.1M |
| P/E ratio | 11.4 | 13.0 |
Higher yield
HBCYF
2.29%
Safer dividend
SMBK
Grade B
Faster growth
SMBK
9.9%
Better value
SMBK
+86% upside
HBCYF vs SMBK — FAQ
Is HBCYF or SMBK a better dividend stock?
HBCYF and SMBK are closely matched. HBCYF has the higher yield; SMBK scores better on safety.
Which has a higher dividend yield, HBCYF or SMBK?
HBCYF has the higher forward dividend yield at 2.29%, versus 0.75% for SMBK.
Is HBCYF or SMBK safer?
SMBK has the higher dividend-safety score (70/100 vs 56/100), reflecting stronger payout coverage and dividend-growth history.
Is HBCYF or SMBK better value right now?
As of Nov 8, 2026, SMBK looks like the better value: its fair-value estimate is 86% above its share price (undervalued). For HBCYF, its fair-value estimate is 40% above its share price.
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