BAC vs UMBF: Which Is the Better Dividend Stock?
As of September 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 UMBF trades at the larger discount to fair value (+66%).
| Metric | BAC | UMBF |
|---|---|---|
| Forward yield | 2.04% | 1.43% |
| Annual dividend | $1.28 | $2.00 |
| Payout ratio | 26% | 14% |
| Years of growth | 12 yr | 30 yr |
| 5-yr dividend growth | 8.4% | 5.5% |
| 5-yr total return | 48% | 44% |
| Dividend safety score | 86 (A) | 98 (A) |
| Fair value estimate | $91.51 | $231.67 |
| Upside to fair value | +46% | +66% |
| Frequency | quarterly | quarterly |
| Market cap | $438.4B | $10.6B |
| P/E ratio | 14.5 | 11.6 |
Higher yield
BAC
2.04%
Safer dividend
UMBF
Grade A
Faster growth
BAC
8.4%
Better value
UMBF
+66% upside
BAC vs UMBF — FAQ
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