HSBC vs SPFI: Which Is the Better Dividend Stock?
As of September 2026, SPFI (South Plains Financial, Inc.) screens as the stronger dividend stock, winning 5 of 8 head-to-head metrics. HSBC offers the higher yield at 3.68%, SPFI has the higher dividend-safety score, and SPFI trades at the larger discount to fair value (+65%).
| Metric | HSBC | SPFI |
|---|---|---|
| Forward yield | 3.68% | 1.64% |
| Annual dividend | $3.75 | $0.72 |
| Payout ratio | 54% | 18% |
| Years of growth | 0 yr | 5 yr |
| 5-yr dividend growth | -13.8% | 38.9% |
| 5-yr total return | 239% | 68% |
| Dividend safety score | 72 (B) | 83 (A) |
| Fair value estimate | $138.49 | $72.53 |
| Upside to fair value | +36% | +65% |
| Frequency | quarterly | quarterly |
| Market cap | $348.5B | $826.7M |
| P/E ratio | 14.5 | 11.9 |
Higher yield
HSBC
3.68%
Safer dividend
SPFI
Grade A
Faster growth
SPFI
38.9%
Better value
SPFI
+65% upside
HSBC vs SPFI — FAQ
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