National Bank of Umm Al-Qaiwain PSC (ADX:NBQ) Dividend Payout Ratio: 2.38 (As of Mar. 2026) — 349% Above Median

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National Bank of Umm Al-Qaiwain PSC ADX:NBQ

56 GF Score

Price د.إ2.93

GF Value د.إ2.60

Valuation Modestly Overvalued

View Full Analysis

What is National Bank of Umm Al-Qaiwain PSC Dividend Payout Ratio?

National Bank of Umm Al-Qaiwain PSC ADX:NBQ 56 Dividend Payout Ratio is 2.38 as of Mar. 2026, which is 349% above its 10-year median of 0.53. GuruFocus rates ADX:NBQ with a GF Score™ of 56/100 and a GF Value™ of د.إ2.60 (Modestly Overvalued). Among 1,175 Banks companies, National Bank of Umm Al-Qaiwain PSC ranks worse than 89.62% on this metric.

The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period. National Bank of Umm Al-Qaiwain PSC's Dividend Payout Ratio for the months ended in Mar. 2026 was 2.38.

The historical rank and industry rank for National Bank of Umm Al-Qaiwain PSC's Dividend Payout Ratio or its related term are showing as below:

ADX:NBQ' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.39 Med: 0.53 Max: 1.06
Current: 0.7

During the past 13 years, the highest Dividend Payout Ratio of National Bank of Umm Al-Qaiwain PSC was 1.06. The lowest was 0.39. And the median was 0.53.

ADX:NBQ's Dividend Payout Ratio is ranked worse than
89.62% of 1175 companies
in the Banks industry
Industry Median: 0.32 vs ADX:NBQ: 0.70

As of today (2026-07-16), the Dividend Yield % of National Bank of Umm Al-Qaiwain PSC is 6.83%.

During the past 13 years, the highest Trailing Annual Dividend Yield of National Bank of Umm Al-Qaiwain PSC was 14.71%. The lowest was 3.21%. And the median was 5.26%.

National Bank of Umm Al-Qaiwain PSC's Dividends per Share for the months ended in Mar. 2026 was د.إ0.20.

During the past 12 months, National Bank of Umm Al-Qaiwain PSC's average Dividends Per Share Growth Rate was 11.10% per year. During the past 3 years, the average Dividends Per Share Growth Rate was 34.50% per year. During the past 5 years, the average Dividends Per Share Growth Rate was 16.20% per year. During the past 10 years, the average Dividends Per Share Growth Rate was 2.00% per year.

During the past 13 years, the highest 3-Year average Dividends Per Share Growth Rate of National Bank of Umm Al-Qaiwain PSC was 34.50% per year. The lowest was -13.40% per year. And the median was 1.40% per year.

The growth rate is calculated with least square regression.

For more information regarding to dividend, please check our Dividend Page.

* Please note that "special dividend" is not included in the calculation of dividend per share and related fields.

National Bank of Umm Al-Qaiwain PSC (ADX:NBQ) Dividend Payout Ratio Explanation

In dividends investing, Dividend Payout Ratio and Dividend Growth Rate are the two most important variables for consideration. A lower payout ratio may indicate that the company has more room to increase its dividends.

National Bank of Umm Al-Qaiwain PSC Dividend Payout Ratio Related Terms

National Bank of Umm Al-Qaiwain PSC Dividend Payout Ratio Historical Data

* Premium members only.

The historical data trend for National Bank of Umm Al-Qaiwain PSC's Dividend Payout Ratio can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

National Bank of Umm Al-Qaiwain PSC Dividend Payout Ratio Chart

National Bank of Umm Al-Qaiwain PSC Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

Dividend Payout Ratio

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0.57

0.39

0.40

0.59

0.61

National Bank of Umm Al-Qaiwain PSC Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
Dividend Payout Ratio	Get a 7-Day Free Trial															2.00	0.00	0.00	0.00	2.38

National Bank of Umm Al-Qaiwain PSC Dividend Payout Ratio Competitor Comparison

For the Banks - Regional subindustry, National Bank of Umm Al-Qaiwain PSC's Dividend Payout Ratio, along with its competitors' market caps and Dividend Payout Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

National Bank of Umm Al-Qaiwain PSC Dividend Payout Ratio vs Banks Industry

For the Banks industry and Financial Services sector, National Bank of Umm Al-Qaiwain PSC's Dividend Payout Ratio distribution charts can be found below:

* The bar in red indicates where National Bank of Umm Al-Qaiwain PSC's Dividend Payout Ratio falls into.

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56GF Score

National Bank of Umm Al-Qaiwain PSC ADX:NBQ

Dividend Payout Ratio is just one metric. See GF Score™, valuation, warning signs, and more.

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National Bank of Umm Al-Qaiwain PSC Dividend Payout Ratio Calculation

National Bank of Umm Al-Qaiwain PSC's Dividend Payout Ratio for the fiscal year that ended in Dec. 2025 is calculated as

Dividend Payout Ratio	=	Dividends per Share (A: Dec. 2025 )	/	EPS without NRI (A: Dec. 2025 )
	=	0.18	/	0.295
	=	0.61

National Bank of Umm Al-Qaiwain PSC's Dividend Payout Ratio for the quarter that ended in Mar. 2026 is calculated as

Dividend Payout Ratio	=	Dividends per Share (Q: Mar. 2026 )	/	EPS without NRI (Q: Mar. 2026 )
	=	0.2	/	0.084
	=	2.38

Frequently Asked Questions Learn more about Dividend Payout Ratio →

What does a Dividend Payout Ratio of 2.38 mean?

National Bank of Umm Al-Qaiwain PSC (ADX:NBQ) has a Dividend Payout Ratio of 2.38 as of Mar. 2026. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on National Bank of Umm Al-Qaiwain PSC and its competitors. This is 349% above median its historical median of 0.53. Over the past decade, National Bank of Umm Al-Qaiwain PSC's Dividend Payout Ratio has ranged from 0.39 to 1.06. According to the industry distribution chart, National Bank of Umm Al-Qaiwain PSC ranks #1053 out of 1175 companies in the Banks industry, placing it in the top 89.6%.

Is National Bank of Umm Al-Qaiwain PSC's Dividend Payout Ratio too high?

National Bank of Umm Al-Qaiwain PSC's current Dividend Payout Ratio of 2.38 is 349% above median its 10-year median of 0.53. Over the past 10 years, this metric has ranged from a low of 0.39 to a high of 1.06. The Banks industry median Dividend Payout Ratio is 0.32. National Bank of Umm Al-Qaiwain PSC's value of 2.38 is 643.8% above this industry median. Based on the distribution chart, National Bank of Umm Al-Qaiwain PSC ranks #1053 out of 1175 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, National Bank of Umm Al-Qaiwain PSC has a GF Score™ of 56/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.

How does National Bank of Umm Al-Qaiwain PSC's Dividend Payout Ratio compare to competitors?

According to the Banks industry distribution chart, National Bank of Umm Al-Qaiwain PSC ranks #1053 out of 1175 companies for Dividend Payout Ratio. This places National Bank of Umm Al-Qaiwain PSC in the lower half of its industry. The industry median Dividend Payout Ratio is 0.32. National Bank of Umm Al-Qaiwain PSC's value of 2.38 is 643.8% above this benchmark. Historically, National Bank of Umm Al-Qaiwain PSC's own Dividend Payout Ratio has ranged from 0.39 to 1.06 over the past decade. While the company's 10-year median is 0.53 vs. the industry median of 0.32, National Bank of Umm Al-Qaiwain PSC has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.

What is a good Dividend Payout Ratio for a Banks company?

The median Dividend Payout Ratio among Banks companies is 0.32, based on 1,175 companies in the industry. Companies in the top quartile (top 25%) have a Dividend Payout Ratio significantly above this median, while those in the bottom quartile fall well below. However, Dividend Payout Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. National Bank of Umm Al-Qaiwain PSC's current Dividend Payout Ratio of 2.38 is 643.8% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.

What does a high Dividend Payout Ratio mean?

A high Dividend Payout Ratio can signal that a stock is expensive relative to its fundamentals. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on National Bank of Umm Al-Qaiwain PSC and its competitors. For the Banks industry, the median Dividend Payout Ratio is 0.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. National Bank of Umm Al-Qaiwain PSC's current Dividend Payout Ratio is 2.38, which is 349% above median its own 10-year median of 0.53. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.

Is National Bank of Umm Al-Qaiwain PSC stock overvalued right now?

Based on GuruFocus' analysis, National Bank of Umm Al-Qaiwain PSC (ADX:NBQ) is currently considered Modestly Overvalued. The stock's GF Value™ is د.إ2.60, compared to a current price of د.إ2.93 — trading 12.7% above its estimated fair value. The current Dividend Payout Ratio is 2.38, which is 349% above median its 10-year median of 0.53 and 643.8% above the Banks industry median of 0.32. National Bank of Umm Al-Qaiwain PSC's overall GF Score™ is 56/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.

How is Dividend Payout Ratio calculated?

Dividend Payout Ratio is calculated from a company's financial statements. For National Bank of Umm Al-Qaiwain PSC (ADX:NBQ), the current Dividend Payout Ratio is 2.38 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is National Bank of Umm Al-Qaiwain PSC (ADX:NBQ) Overvalued in 2026?

Based on GuruFocus' analysis, National Bank of Umm Al-Qaiwain PSC stock appears to be overvalued. The current stock price of د.إ2.93 is trading 12.7% above its estimated GF Value™ of د.إ2.60. GuruFocus considers National Bank of Umm Al-Qaiwain PSC to be Modestly Overvalued.

Key valuation signals for ADX:NBQ:

Dividend Payout Ratio: 2.38 (349% above median its 10-year median of 0.53)
GF Value™: د.إ2.60 vs. price of د.إ2.93 (12.7% above fair value)
GF Score™: 56/100
Industry Position: 643.8% above the Banks median (#1053 of 1175)

No single metric tells the full story. See the ADX:NBQ stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

National Bank of Umm Al-Qaiwain PSC Business Description

Industry Financial Services Banks

Comparable Companies ADX:UAB ADX:INB DFM:AJMANBANK ADX:BOS ADX:CBI DFM:EIBANK DFM:ALSALAMSUDAN ADX:SIB ADX:NBF ADX:RAKBANK SGX:D05 SHSE:600036 MIL:UCG XPAR:BNP NSE:HDFCBANK MIL:ISP TSE:8411 SAU:1120 NSE:ICICIBANK NSE:SBIN

Address King Faisal Street, NBQ Building, P.O. Box 800, Umm Al Qaiwain, ARE

Website https://www.nbq.ae

National Bank of Umm Al-Qaiwain PSC provides banking services. The company operates in these segments: Retail and Corporate Banking, Treasury and Investments, and others. The majority of its revenue comes from the Treasury and Investments segment, which comprises dealing room-related money markets, and foreign exchange transactions with other banks and financial institutions.

56GF Score

Get the complete analysis for ADX:NBQ

Dividend Payout Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

د.إ2.93

Price

د.إ2.60

GF Value

View ADX:NBQ Analysis

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