BAC vs NCDL: Which Is the Better Dividend Stock?
As of August 2026, BAC (Bank of America Corporation) screens as the stronger dividend stock, winning 3 of 5 head-to-head metrics. NCDL offers the higher yield at 12.35%, BAC has the higher dividend-safety score, and BAC trades at the larger discount to fair value (+25%).
| Metric | BAC | NCDL |
|---|---|---|
| Forward yield | 2.07% | 12.35% |
| Annual dividend | $1.28 | $1.52 |
| Payout ratio | 26% | 177% |
| Years of growth | 12 yr | 1 yr |
| 5-yr dividend growth | 8.4% | — |
| 5-yr total return | 45% | — |
| Dividend safety score | 83 (A) | — |
| Fair value estimate | $77.08 | $13.59 |
| Upside to fair value | +25% | +10% |
| Frequency | quarterly | quarterly |
| Market cap | $431.4B | $608.0M |
| P/E ratio | 14.2 | 13.1 |
Higher yield
NCDL
12.35%
Safer dividend
BAC
Grade A
Faster growth
BAC
8.4%
Better value
BAC
+25% upside
BAC vs NCDL — FAQ
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