You hold a hard 14 (no ace counted as 11). The dealer shows a 5. Here is the mathematically correct basic-strategy play — and why.
| Stand ← | -0.1672 |
| Hit | -0.3214 |
| Double | -0.6428 |
| You bust on the next card | 46.2% |
| Dealer 5 busts | 41.6% |
Stand is not close: it beats Hit by 0.1542 per unit. Getting this one wrong costs $1.54 on a $10 bet, every single time. Across the 340 situations in this chart it ranks 249th by expected value — better than 91 of them, worse than 248. Expected value is per unit staked, computed for multi-deck, dealer stands on soft 17, double after split allowed. The model and the code are published as data.
Showing a 5, the dealer ends up busting about 42% of the time. Meanwhile, if you hit hard 14, the next card busts you 46% of the time. When the dealer is this likely to destroy their own hand, taking that risk is a losing trade — you stand and let the math work against them.
This is one of the most common mistakes at the table: players feel 'weak' standing on 14 and draw anyway. Over thousands of hands, hitting here costs real money. The chart says stand — every time.