BAC vs UMBF: Which Is the Better Dividend Stock?
As of June 2026, UMBF (UMB Financial Corporation) screens as the stronger dividend stock, winning 6 of 8 head-to-head metrics. BAC offers the higher yield at 2.00%, UMBF has the higher dividend-safety score, and UMBF trades at the larger discount to fair value (+65%).
| Metric | BAC | UMBF |
|---|---|---|
| Forward yield | 2.00% | 1.27% |
| Annual dividend | $1.12 | $1.72 |
| Payout ratio | 27% | 15% |
| Years of growth | 12 yr | 30 yr |
| 5-yr dividend growth | 8.4% | 5.2% |
| 5-yr total return | 36% | 45% |
| Dividend safety score | 86 (A) | 98 (A) |
| Fair value estimate | $83.90 | $222.86 |
| Upside to fair value | +50% | +65% |
| Frequency | quarterly | quarterly |
| Market cap | $397.6B | $10.3B |
| P/E ratio | 13.9 | 11.8 |
Higher yield
BAC
2.00%
Safer dividend
UMBF
Grade A
Faster growth
BAC
8.4%
Better value
UMBF
+65% upside
BAC vs UMBF — FAQ
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