BAC vs SMBK: Which Is the Better Dividend Stock?
As of September 2026, BAC and SMBK are closely matched. BAC offers the higher yield at 2.04%, BAC has the higher dividend-safety score, and SMBK trades at the larger discount to fair value (+139%).
| Metric | BAC | SMBK |
|---|---|---|
| Forward yield | 2.04% | 0.66% |
| Annual dividend | $1.28 | $0.34 |
| Payout ratio | 26% | 10% |
| Years of growth | 12 yr | 0 yr |
| 5-yr dividend growth | 8.4% | 9.9% |
| 5-yr total return | 48% | 101% |
| Dividend safety score | 86 (A) | 70 (B) |
| Fair value estimate | $90.46 | $124.10 |
| Upside to fair value | +44% | +139% |
| Frequency | quarterly | quarterly |
| Market cap | $438.3B | $886.9M |
| P/E ratio | 14.5 | 15.3 |
Higher yield
BAC
2.04%
Safer dividend
BAC
Grade A
Faster growth
SMBK
9.9%
Better value
SMBK
+139% upside
BAC vs SMBK — FAQ
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