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Baraboo BancorpBAOB -0.76%47 Dividend Payout Ratio is 0.20 as of Dec. 2025, which is 5% below its 10-year median of 0.21. GuruFocus rates BAOB with a GF Score™ of 47/100 and a GF Value™ of $4.27 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,175 Banks companies, Baraboo Bancorp ranks better than 78.55% 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. Baraboo Bancorp's Dividend Payout Ratio for the
months ended in Dec. 2025 was 0.20.
The historical rank and industry rank for Baraboo Bancorp's Dividend Payout Ratio or its related term are showing as below:
BAOB'
s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.04 Med: 0.21 Max: 0.33
Current: 0.2
During the past 13 years, the highest Dividend Payout Ratio of Baraboo Bancorp was 0.33. The lowest was 0.04. And the median was 0.21.
BAOB's Dividend Payout Ratio is ranked better than 78.55% of 1175
companies
in the Banks industry
Industry Median: 0.32
vs BAOB: 0.20
During the past 3 years, the average Dividends Per Share Growth Rate was 10.10% per year.
During the past 5 years, the average Dividends Per Share Growth Rate was 12.80% per year.
During the past 13 years, the highest 3-Year average Dividends Per Share Growth Rate of Baraboo Bancorp was 74.70% per year. The lowest was -48.30% per year. And the median was 14.50% 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.
Baraboo Bancorp (OTCPK:BAOB) 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.
Baraboo Bancorp Dividend Payout Ratio Related Terms
Baraboo Bancorp Dividend Payout Ratio Historical Data
* Premium members only.
The historical data trend for Baraboo Bancorp'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.
BAOB vs FMFG, CEFC, BBBK: Dividend Payout Ratio Comparison
For the Banks - Regional subindustry, Baraboo Bancorp'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.
Baraboo Bancorp Dividend Payout Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Baraboo Bancorp's Dividend Payout Ratio distribution charts can be found below:
* The bar in red indicates where Baraboo Bancorp's Dividend Payout Ratio falls into.
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.
Baraboo Bancorp's Dividend Payout Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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.
Baraboo Bancorp (BAOB) has a Dividend Payout Ratio of 0.20 as of Dec. 2025. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Baraboo Bancorp and its competitors. This is near median its historical median of 0.21. Over the past decade, Baraboo Bancorp's Dividend Payout Ratio has ranged from 0.04 to 0.33. According to the industry distribution chart, Baraboo Bancorp ranks #252 out of 1175 companies in the Banks industry, placing it in the top 21.4%.
Is Baraboo Bancorp's Dividend Payout Ratio too high?
Baraboo Bancorp's current Dividend Payout Ratio of 0.20 is near median its 10-year median of 0.21. Over the past 10 years, this metric has ranged from a low of 0.04 to a high of 0.33. The Banks industry median Dividend Payout Ratio is 0.32. Baraboo Bancorp's value of 0.20 is 37.5% below this industry median. Based on the distribution chart, Baraboo Bancorp ranks #252 out of 1175 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Baraboo Bancorp has a GF Score™ of 47/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Baraboo Bancorp's Dividend Payout Ratio compare to FMFG and CEFC?
According to the Banks industry distribution chart, Baraboo Bancorp ranks #252 out of 1175 companies for Dividend Payout Ratio. This places Baraboo Bancorp in the top 21% of its industry — outperforming the majority of peers. The industry median Dividend Payout Ratio is 0.32. Baraboo Bancorp's value of 0.20 is 37.5% below this benchmark. Historically, Baraboo Bancorp's own Dividend Payout Ratio has ranged from 0.04 to 0.33 over the past decade. While the company's 10-year median is 0.21 vs. the industry median of 0.32, Baraboo Bancorp has consistently been below 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. Baraboo Bancorp's current Dividend Payout Ratio of 0.20 is 37.5% below 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 Baraboo Bancorp 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. Baraboo Bancorp's current Dividend Payout Ratio is 0.20, which is near median its own 10-year median of 0.21. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Baraboo Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Baraboo Bancorp (BAOB) is currently considered Significantly Overvalued. The stock's GF Value™ is $4.27, compared to a current price of $6.55 — trading 53.4% above its estimated fair value. The current Dividend Payout Ratio is 0.20, which is near median its 10-year median of 0.21 and 37.5% below the Banks industry median of 0.32. Baraboo Bancorp's overall GF Score™ is 47/100 with 7 warning signs to review. 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 Baraboo Bancorp (BAOB), the current Dividend Payout Ratio is 0.20 as of Dec. 2025. 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 Baraboo Bancorp (BAOB) Overvalued in 2026?
Based on GuruFocus' analysis, Baraboo Bancorp stock appears to be overvalued.
The current stock price of $6.55 is trading 53.4% above its estimated GF Value™ of $4.27.
GuruFocus considers Baraboo Bancorp to be Significantly Overvalued.
Key valuation signals for BAOB:
Dividend Payout Ratio: 0.20 (near median its 10-year median of 0.21)
GF Value™: $4.27 vs. price of $6.55 (53.4% above fair value)
Industry Position: 37.5% below the Banks median (#252 of 1175)
No single metric tells the full story. See the BAOB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Baraboo Bancorp Inc operates as the holding company for Baraboo State Bank, which provides various personal and business banking products and services. It offers customer service, a wide variety of accounts, competitive loan rates, online banking, and investments.
47GF Score
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