MA vs SHBI: Which Is the Better Dividend Stock?
As of August 2026, MA (Mastercard Incorporated) screens as the stronger dividend stock, winning 6 of 8 head-to-head metrics. SHBI offers the higher yield at 2.40%, MA has the higher dividend-safety score, and SHBI trades at the larger discount to fair value (+70%).
| Metric | MA | SHBI |
|---|---|---|
| Forward yield | 0.60% | 2.40% |
| Annual dividend | $3.48 | $0.56 |
| Payout ratio | 18% | 25% |
| Years of growth | 14 yr | 0 yr |
| 5-yr dividend growth | 13.7% | 0.0% |
| 5-yr total return | 67% | 32% |
| Dividend safety score | 87 (A) | 81 (A) |
| Fair value estimate | $641.25 | $39.62 |
| Upside to fair value | +10% | +70% |
| Frequency | quarterly | quarterly |
| Market cap | $525.5B | $775.2M |
| P/E ratio | 31.9 | 11.9 |
Higher yield
SHBI
2.40%
Safer dividend
MA
Grade A
Faster growth
MA
13.7%
Better value
SHBI
+70% upside
MA vs SHBI — FAQ
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