BAC vs PEBK: Which Is the Better Dividend Stock?
As of July 2026, PEBK (Peoples Bancorp of North Carolina, Inc.) screens as the stronger dividend stock, winning 5 of 8 head-to-head metrics. PEBK offers the higher yield at 1.97%, PEBK has the higher dividend-safety score, and BAC trades at the larger discount to fair value (+66%).
| Metric | BAC | PEBK |
|---|---|---|
| Forward yield | 1.83% | 1.97% |
| Annual dividend | $1.12 | $0.84 |
| Payout ratio | 26% | 22% |
| Years of growth | 12 yr | 13 yr |
| 5-yr dividend growth | 8.4% | 5.1% |
| 5-yr total return | 47% | 51% |
| Dividend safety score | 85 (A) | 91 (A) |
| Fair value estimate | $101.75 | $45.99 |
| Upside to fair value | +66% | +8% |
| Frequency | quarterly | quarterly |
| Market cap | $424.0B | $226.9M |
| P/E ratio | 14.1 | 11.8 |
Higher yield
PEBK
1.97%
Safer dividend
PEBK
Grade A
Faster growth
BAC
8.4%
Better value
BAC
+66% upside
BAC vs PEBK — FAQ
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