BAC vs CZFS: Which Is the Better Dividend Stock?
As of September 2026, CZFS (Citizens Financial Services, Inc.) screens as the stronger dividend stock, winning 5 of 8 head-to-head metrics. CZFS offers the higher yield at 2.51%, BAC has the higher dividend-safety score, and CZFS trades at the larger discount to fair value (+102%).
| Metric | BAC | CZFS |
|---|---|---|
| Forward yield | 2.22% | 2.51% |
| Annual dividend | $1.28 | $2.04 |
| Payout ratio | 26% | 24% |
| Years of growth | 12 yr | 4 yr |
| 5-yr dividend growth | 8.4% | 1.2% |
| 5-yr total return | 21% | 36% |
| Dividend safety score | 86 (A) | 84 (A) |
| Fair value estimate | $91.91 | $164.58 |
| Upside to fair value | +59% | +102% |
| Frequency | quarterly | quarterly |
| Market cap | $403.7B | $391.3M |
| P/E ratio | 13.3 | 9.5 |
Higher yield
CZFS
2.51%
Safer dividend
BAC
Grade A
Faster growth
BAC
8.4%
Better value
CZFS
+102% upside
BAC vs CZFS — FAQ
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