HBCYF vs TFC: Which Is the Better Dividend Stock?
As of Nov 8, 2026, TFC (Truist Financial Corporation) screens as the stronger dividend stock, winning 4 of 6 head-to-head metrics. TFC offers the higher yield at 4.21%, TFC has the higher dividend-safety score, and TFC looks like the better value (its fair-value estimate is 52% above its share price).
Key facts: HBCYF vs TFC
Data as of · Source: SmarterDividends data
- As of Nov 8, 2026, Truist Financial Corporation (TFC) has the higher forward dividend yield at 4.21%, versus 2.29% for HSBC Holdings plc (HBCYF).
- As of Nov 8, 2026, SmarterDividends grades HBCYF's dividend safety C (56/100) and TFC's B (75/100).
- As of Nov 8, 2026, HBCYF pays out 54% of its earnings as dividends and TFC pays out 54%.
- As of Nov 8, 2026, HBCYF's fair-value estimate is 40% above its share price and TFC's fair-value estimate is 52% above its share price, so TFC looks like the better value of the two on SmarterDividends' blended model.
Cite this page
SmarterDividends, "HBCYF vs TFC: Dividend Yield, Safety & Value Compared," updated Nov 8, 2026, https://smarterdividends.com/compare/hbcyf-vs-tfc
| Metric | HBCYF | TFC |
|---|---|---|
| Forward yield | 2.29% | 4.21% |
| Annual dividend | $0.40 | $2.08 |
| Payout ratio | 54% | 54% |
| Years of growth | 0 yr | 0 yr |
| 5-yr dividend growth | — | 2.9% |
| 5-yr total return | 214% | -17% |
| Dividend safety score | 56 (C) | 75 (B) |
| Fair value estimate | $24.43 | $74.97 |
| Upside to fair value | +40% | +52% |
| Frequency | quarterly | quarterly |
| Market cap | $298.7B | $59.2B |
| P/E ratio | 11.4 | 12.7 |
Higher yield
TFC
4.21%
Safer dividend
TFC
Grade B
Faster growth
TFC
2.9%
Better value
TFC
+52% upside
HBCYF vs TFC — FAQ
Is HBCYF or TFC a better dividend stock?
On the data, TFC wins more head-to-head categories (4 vs 2). TFC offers the higher yield (4.21%), while TFC 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 TFC?
TFC has the higher forward dividend yield at 4.21%, versus 2.29% for HBCYF.
Is HBCYF or TFC safer?
TFC has the higher dividend-safety score (75/100 vs 56/100), reflecting stronger payout coverage and dividend-growth history.
Is HBCYF or TFC better value right now?
As of Nov 8, 2026, TFC looks like the better value: its fair-value estimate is 52% above its share price (undervalued). For HBCYF, its fair-value estimate is 40% above its share price.
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See more dividend stock comparisons · data refreshes daily · for informational purposes only, not investment advice.