BAC vs BCAL: Which Is the Better Dividend Stock?
As of September 2026, BCAL (California BanCorp) screens as the stronger dividend stock, winning 4 of 6 head-to-head metrics. BCAL offers the higher yield at 2.23%, BAC has the higher dividend-safety score, and BCAL trades at the larger discount to fair value (+153%).
| Metric | BAC | BCAL |
|---|---|---|
| Forward yield | 2.21% | 2.23% |
| Annual dividend | $1.28 | $0.48 |
| Payout ratio | 26% | 16% |
| Years of growth | 12 yr | 0 yr |
| 5-yr dividend growth | 8.4% | — |
| 5-yr total return | 21% | 42% |
| Dividend safety score | 86 (A) | — |
| Fair value estimate | $91.91 | $55.10 |
| Upside to fair value | +59% | +153% |
| Frequency | quarterly | quarterly |
| Market cap | $393.0B | $691.2M |
| P/E ratio | 13.0 | 11.7 |
Higher yield
BCAL
2.23%
Safer dividend
BAC
Grade A
Faster growth
BAC
8.4%
Better value
BCAL
+153% upside
BAC vs BCAL — FAQ
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