BAC vs UMBF: Which Is the Better Dividend Stock?
As of July 2026, UMBF (UMB Financial Corporation) screens as the stronger dividend stock, winning 5 of 8 head-to-head metrics. BAC offers the higher yield at 2.04%, UMBF has the higher dividend-safety score, and BAC trades at the larger discount to fair value (+65%).
| Metric | BAC | UMBF |
|---|---|---|
| Forward yield | 2.04% | 1.22% |
| Annual dividend | $1.28 | $1.72 |
| Payout ratio | 26% | 15% |
| Years of growth | 12 yr | 30 yr |
| 5-yr dividend growth | 8.4% | 5.5% |
| 5-yr total return | 49% | 54% |
| Dividend safety score | 85 (A) | 98 (A) |
| Fair value estimate | $102.38 | $224.71 |
| Upside to fair value | +65% | +59% |
| Frequency | quarterly | quarterly |
| Market cap | $428.6B | $11.3B |
| P/E ratio | 14.5 | 12.6 |
Higher yield
BAC
2.04%
Safer dividend
UMBF
Grade A
Faster growth
BAC
8.4%
Better value
BAC
+65% upside
BAC vs UMBF — FAQ
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