MA vs PBHC: Which Is the Better Dividend Stock?
As of Oct 18, 2026, MA (Mastercard Incorporated) screens as the stronger dividend stock, winning 7 of 8 head-to-head metrics. PBHC offers the higher yield at 2.40%, MA has the higher dividend-safety score, and MA looks like the better value (its fair-value estimate is 23% below its share price).
Key facts: MA vs PBHC
Data as of · Source: SmarterDividends data
- As of Oct 18, 2026, Pathfinder Bancorp, Inc. (PBHC) has the higher forward dividend yield at 2.40%, versus 0.56% for Mastercard Incorporated (MA).
- As of Oct 18, 2026, SmarterDividends grades MA's dividend safety A (89/100) and PBHC's A (80/100).
- By SmarterDividends' count as of Oct 18, 2026, MA has raised its dividend for 14 consecutive years and PBHC for 5.
- As of Oct 18, 2026, MA's fair-value estimate is 23% below its share price and PBHC's fair-value estimate is 31% below its share price, so MA looks like the better value of the two on SmarterDividends' blended model.
Cite this page
SmarterDividends, "MA vs PBHC: Dividend Yield, Safety & Value Compared," updated Oct 18, 2026, https://smarterdividends.com/compare/ma-vs-pbhc
| Metric | MA | PBHC |
|---|---|---|
| Forward yield | 0.56% | 2.40% |
| Annual dividend | $3.48 | $0.40 |
| Payout ratio | 18% | 4000% |
| Years of growth | 14 yr | 5 yr |
| 5-yr dividend growth | 13.7% | 10.8% |
| 5-yr total return | 96% | -1% |
| Dividend safety score | 89 (A) | 80 (A) |
| Fair value estimate | $474.95 | $11.48 |
| Upside to fair value | -23% | -31% |
| Frequency | quarterly | quarterly |
| Market cap | $540.9B | $104.9M |
| P/E ratio | 34.0 | 1670.0 |
Higher yield
PBHC
2.40%
Safer dividend
MA
Grade A
Faster growth
MA
13.7%
Better value
MA
-23% upside
MA vs PBHC — FAQ
Is MA or PBHC a better dividend stock?
On the data, MA wins more head-to-head categories (7 vs 1). PBHC offers the higher yield (2.40%), 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, MA or PBHC?
PBHC has the higher forward dividend yield at 2.40%, versus 0.56% for MA.
Is MA or PBHC safer?
MA has the higher dividend-safety score (89/100 vs 80/100), reflecting stronger payout coverage and dividend-growth history.
Is MA or PBHC better value right now?
As of Oct 18, 2026, MA looks like the better value: its fair-value estimate is 23% below its share price (overvalued). For PBHC, its fair-value estimate is 31% below its share price.
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See more dividend stock comparisons · data refreshes daily · for informational purposes only, not investment advice.