HSBC vs NIC: Which Is the Better Dividend Stock?
As of July 2026, NIC (Nicolet Bankshares, Inc.) screens as the stronger dividend stock, winning 4 of 7 head-to-head metrics. HSBC offers the higher yield at 3.63%, NIC has the higher dividend-safety score, and NIC trades at the larger discount to fair value (+63%).
| Metric | HSBC | NIC |
|---|---|---|
| Forward yield | 3.63% | 0.80% |
| Annual dividend | $3.75 | $1.36 |
| Payout ratio | 62% | 15% |
| Years of growth | 0 yr | 2 yr |
| 5-yr dividend growth | -13.8% | — |
| 5-yr total return | 291% | 122% |
| Dividend safety score | 70 (B) | 76 (B) |
| Fair value estimate | $126.29 | $276.58 |
| Upside to fair value | +22% | +63% |
| Frequency | quarterly | quarterly |
| Market cap | $354.6B | $3.6B |
| P/E ratio | 17.1 | 19.0 |
Higher yield
HSBC
3.63%
Safer dividend
NIC
Grade B
Faster growth
HSBC
-13.8%
Better value
NIC
+63% upside
HSBC vs NIC — FAQ
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