HSBC vs NIC: Which Is the Better Dividend Stock?
As of September 2026, NIC (Nicolet Bankshares, Inc.) screens as the stronger dividend stock, winning 4 of 7 head-to-head metrics. HSBC offers the higher yield at 3.50%, NIC has the higher dividend-safety score, and NIC trades at the larger discount to fair value (+62%).
| Metric | HSBC | NIC |
|---|---|---|
| Forward yield | 3.50% | 0.79% |
| Annual dividend | $3.75 | $1.36 |
| Payout ratio | 54% | 15% |
| Years of growth | 0 yr | 2 yr |
| 5-yr dividend growth | -13.8% | — |
| 5-yr total return | 310% | 132% |
| Dividend safety score | 72 (B) | 78 (B) |
| Fair value estimate | $136.26 | $278.87 |
| Upside to fair value | +27% | +62% |
| Frequency | quarterly | quarterly |
| Market cap | $366.9B | $3.6B |
| P/E ratio | 15.3 | 19.3 |
Higher yield
HSBC
3.50%
Safer dividend
NIC
Grade B
Faster growth
HSBC
-13.8%
Better value
NIC
+62% upside
HSBC vs NIC — FAQ
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