HSBC vs UNB: Which Is the Better Dividend Stock?
As of Oct 18, 2026, HSBC (HSBC Holdings plc) screens as the stronger dividend stock, winning 4 of 7 head-to-head metrics. UNB offers the higher yield at 6.25%, UNB has the higher dividend-safety score, and HSBC looks like the better value (its fair-value estimate is 44% above its share price).
Key facts: HSBC vs UNB
Data as of · Source: SmarterDividends data
- As of Oct 18, 2026, Union Bankshares, Inc. (UNB) has the higher forward dividend yield at 6.25%, versus 3.97% for HSBC Holdings plc (HSBC).
- As of Oct 18, 2026, SmarterDividends grades HSBC's dividend safety B (72/100) and UNB's B (76/100).
- As of Oct 18, 2026, HSBC pays out 54% of its earnings as dividends and UNB pays out 56%.
- As of Oct 18, 2026, HSBC's fair-value estimate is 44% above its share price and UNB's fair-value estimate is 5% below its share price, so HSBC looks like the better value of the two on SmarterDividends' blended model.
Cite this page
SmarterDividends, "HSBC vs UNB: Dividend Yield, Safety & Value Compared," updated Oct 18, 2026, https://smarterdividends.com/compare/hsbc-vs-unb
| Metric | HSBC | UNB |
|---|---|---|
| Forward yield | 3.97% | 6.25% |
| Annual dividend | $3.75 | $1.44 |
| Payout ratio | 54% | 56% |
| Years of growth | 0 yr | 0 yr |
| 5-yr dividend growth | -13.8% | 2.4% |
| 5-yr total return | 242% | -26% |
| Dividend safety score | 72 (B) | 76 (B) |
| Fair value estimate | $135.99 | $21.82 |
| Upside to fair value | +44% | -5% |
| Frequency | quarterly | quarterly |
| Market cap | $323.4B | $113.8M |
| P/E ratio | 13.5 | 8.9 |
Higher yield
UNB
6.25%
Safer dividend
UNB
Grade B
Faster growth
UNB
2.4%
Better value
HSBC
+44% upside
HSBC vs UNB — FAQ
Is HSBC or UNB a better dividend stock?
On the data, HSBC wins more head-to-head categories (4 vs 3). UNB offers the higher yield (6.25%), while UNB has the stronger dividend-safety score. The right pick depends on whether you prioritise income, safety or value.
Which has a higher dividend yield, HSBC or UNB?
UNB has the higher forward dividend yield at 6.25%, versus 3.97% for HSBC.
Is HSBC or UNB safer?
UNB has the higher dividend-safety score (76/100 vs 72/100), reflecting stronger payout coverage and dividend-growth history.
Is HSBC or UNB better value right now?
As of Oct 18, 2026, HSBC looks like the better value: its fair-value estimate is 44% above its share price (undervalued). For UNB, its fair-value estimate is 5% below its share price.
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See more dividend stock comparisons · data refreshes daily · for informational purposes only, not investment advice.