HBT vs MA: Which Is the Better Dividend Stock?
As of Nov 7, 2026, MA (Mastercard Incorporated) screens as the stronger dividend stock, winning 6 of 8 head-to-head metrics. HBT offers the higher yield at 2.70%, MA has the higher dividend-safety score, and HBT looks like the better value (its fair-value estimate is 25% above its share price).
Key facts: HBT vs MA
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 0.53% for Mastercard Incorporated (MA).
- As of Nov 7, 2026, SmarterDividends grades HBT's dividend safety A (82/100) and MA's A (89/100).
- By SmarterDividends' count as of Nov 7, 2026, HBT has raised its dividend for 4 consecutive years and MA for 14.
- As of Nov 7, 2026, HBT pays out 37% of its earnings as dividends and MA pays out 18%.
- As of Nov 7, 2026, HBT's fair-value estimate is 25% above its share price and MA's fair-value estimate is 24% below its share price, so HBT looks like the better value of the two on SmarterDividends' blended model.
Cite this page
SmarterDividends, "HBT vs MA: Dividend Yield, Safety & Value Compared," updated Nov 7, 2026, https://smarterdividends.com/compare/hbt-vs-ma
| Metric | HBT | MA |
|---|---|---|
| Forward yield | 2.70% | 0.53% |
| Annual dividend | $1.00 | $3.48 |
| Payout ratio | 37% | 18% |
| Years of growth | 4 yr | 14 yr |
| 5-yr dividend growth | 7.0% | 13.7% |
| 5-yr total return | 106% | 107% |
| Dividend safety score | 82 (A) | 89 (A) |
| Fair value estimate | $46.41 | $499.25 |
| Upside to fair value | +25% | -24% |
| Frequency | quarterly | quarterly |
| Market cap | $1.3B | $568.6B |
| P/E ratio | 14.3 | 34.2 |
Higher yield
HBT
2.70%
Safer dividend
MA
Grade A
Faster growth
MA
13.7%
Better value
HBT
+25% upside
HBT vs MA — FAQ
Is HBT or MA a better dividend stock?
On the data, MA wins more head-to-head categories (6 vs 2). HBT offers the higher yield (2.70%), while MA has the stronger dividend-safety score. The right pick depends on whether you prioritise income, safety or value.
Which has a higher dividend yield, HBT or MA?
HBT has the higher forward dividend yield at 2.70%, versus 0.53% for MA.
Is HBT or MA safer?
MA has the higher dividend-safety score (89/100 vs 82/100), reflecting stronger payout coverage and dividend-growth history.
Is HBT or MA better value right now?
As of Nov 7, 2026, HBT looks like the better value: its fair-value estimate is 25% above its share price (undervalued). For MA, its fair-value estimate is 24% below its share price.
Related comparisons
See more dividend stock comparisons · data refreshes daily · for informational purposes only, not investment advice.