HBCYF vs UNIB: Which Is the Better Dividend Stock?
As of Oct 7, 2026, HBCYF (HSBC Holdings plc) screens as the stronger dividend stock, winning 4 of 6 head-to-head metrics. HBCYF offers the higher yield at 3.84%, UNIB has the higher dividend-safety score, and HBCYF looks like the better value (its fair-value estimate is 39% above its share price).
Key facts: HBCYF vs UNIB
Data as of · Source: SmarterDividends data
- As of Oct 7, 2026, HSBC Holdings plc (HBCYF) has the higher forward dividend yield at 3.84%, versus 1.89% for University Bancorp, Inc. (UNIB).
- As of Oct 7, 2026, SmarterDividends grades HBCYF's dividend safety C (56/100) and UNIB's C (59/100).
- As of Oct 7, 2026, HBCYF pays out 54% of its earnings as dividends and UNIB pays out 18%.
- As of Oct 7, 2026, HBCYF's fair-value estimate is 39% above its share price and UNIB's fair-value estimate is 37% below its share price, so HBCYF looks like the better value of the two on SmarterDividends' blended model.
Cite this page
SmarterDividends, "HBCYF vs UNIB: Dividend Yield, Safety & Value Compared," updated Oct 7, 2026, https://smarterdividends.com/compare/hbcyf-vs-unib
| Metric | HBCYF | UNIB |
|---|---|---|
| Forward yield | 3.84% | 1.89% |
| Annual dividend | $0.75 | $0.40 |
| Payout ratio | 54% | 18% |
| Years of growth | 0 yr | 0 yr |
| 5-yr dividend growth | — | -7.8% |
| 5-yr total return | 214% | 27% |
| Dividend safety score | 56 (C) | 59 (C) |
| Fair value estimate | $27.23 | $13.25 |
| Upside to fair value | +39% | -37% |
| Frequency | quarterly | weekly |
| Market cap | $334.1B | $109.3M |
| P/E ratio | 13.6 | 12.4 |
Higher yield
HBCYF
3.84%
Safer dividend
UNIB
Grade C
Faster growth
UNIB
-7.8%
Better value
HBCYF
+39% upside
HBCYF vs UNIB — FAQ
Is HBCYF or UNIB a better dividend stock?
On the data, HBCYF wins more head-to-head categories (4 vs 2). HBCYF offers the higher yield (3.84%), while UNIB 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 UNIB?
HBCYF has the higher forward dividend yield at 3.84%, versus 1.89% for UNIB.
Is HBCYF or UNIB safer?
UNIB has the higher dividend-safety score (59/100 vs 56/100), reflecting stronger payout coverage and dividend-growth history.
Is HBCYF or UNIB better value right now?
As of Oct 7, 2026, HBCYF looks like the better value: its fair-value estimate is 39% above its share price (undervalued). For UNIB, its fair-value estimate is 37% below its share price.
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See more dividend stock comparisons · data refreshes daily · for informational purposes only, not investment advice.