BAC vs USB: Which Is the Better Dividend Stock?
As of July 2026, USB (U.S. Bancorp) screens as the stronger dividend stock, winning 4 of 7 head-to-head metrics. USB offers the higher yield at 3.29%, BAC has the higher dividend-safety score, and USB trades at the larger discount to fair value (+79%).
| Metric | BAC | USB |
|---|---|---|
| Forward yield | 1.83% | 3.29% |
| Annual dividend | $1.12 | $2.08 |
| Payout ratio | 26% | 42% |
| Years of growth | 12 yr | 15 yr |
| 5-yr dividend growth | 8.4% | 4.0% |
| 5-yr total return | 47% | 10% |
| Dividend safety score | 85 (A) | 85 (A) |
| Fair value estimate | $101.75 | $113.32 |
| Upside to fair value | +66% | +79% |
| Frequency | quarterly | quarterly |
| Market cap | $424.0B | $98.4B |
| P/E ratio | 14.1 | 12.6 |
Higher yield
USB
3.29%
Safer dividend
BAC
Grade A
Faster growth
BAC
8.4%
Better value
USB
+79% upside
BAC vs USB — FAQ
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