BEOB (BEO Bancorp OR) Dividend Payout Ratio: 0.15 (As of Dec. 2025) — 21% Below Median

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BEOB BEO Bancorp OR BEOB
72 GF Score
Price $64.49
GF Value $48.11
Valuation Significantly Overvalued
! 1 Warning Sign
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What is BEO Bancorp OR Dividend Payout Ratio?

BEO Bancorp OR BEOB 72 Dividend Payout Ratio is 0.15 as of Dec. 2025, which is 21% below its 10-year median of 0.19. GuruFocus rates BEOB with a GF Score™ of 72/100 and a GF Value™ of $48.11 (Significantly Overvalued). The stock has 1 warning sign investors should review. Among 1,162 Banks companies, BEO Bancorp OR ranks better than 87.95% 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. BEO Bancorp OR's Dividend Payout Ratio for the months ended in Dec. 2025 was 0.15.

The historical rank and industry rank for BEO Bancorp OR's Dividend Payout Ratio or its related term are showing as below:

BEOB' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.1   Med: 0.19   Max: 0.45
Current: 0.15

During the past 11 years, the highest Dividend Payout Ratio of BEO Bancorp OR was 0.45. The lowest was 0.10. And the median was 0.19.

BEOB's Dividend Payout Ratio is ranked better than
87.95% of 1162 companies
in the Banks industry
Industry Median: 0.32 vs BEOB: 0.15

As of today (2026-09-16), the Dividend Yield % of BEO Bancorp OR is 1.55%.

During the past 11 years, the highest Trailing Annual Dividend Yield of BEO Bancorp OR was 3.60%. The lowest was 1.18%. And the median was 2.10%.

BEO Bancorp OR's Dividends per Share for the months ended in Dec. 2025 was $1.00.

During the past 12 months, BEO Bancorp OR's average Dividends Per Share Growth Rate was 60.00% per year. During the past 3 years, the average Dividends Per Share Growth Rate was 26.00% per year. During the past 5 years, the average Dividends Per Share Growth Rate was 13.80% per year.

During the past 11 years, the highest 3-Year average Dividends Per Share Growth Rate of BEO Bancorp OR was 58.60% per year. The lowest was 3.60% per year. And the median was 8.90% 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.

BEO Bancorp OR (OTCPK:BEOB) 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.

BEO Bancorp OR Dividend Payout Ratio Related Terms

BEO Bancorp OR Dividend Payout Ratio Historical Data

* Premium members only.

The historical data trend for BEO Bancorp OR'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.

BEO Bancorp OR Dividend Payout Ratio Chart

BEO Bancorp OR Annual Data
Trend Dec04 Dec05 Dec06 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Dividend Payout Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.19 0.15 0.10 0.10 0.15

BEO Bancorp OR Semi-Annual Data
Dec03 Dec04 Dec05 Dec06 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Dividend Payout Ratio Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only 0.19 0.15 0.10 0.10 0.15

BEOB vs ENBP, NODB, EMYB: Dividend Payout Ratio Comparison

For the Banks - Regional subindustry, BEO Bancorp OR'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.

BEO Bancorp OR Dividend Payout Ratio vs Banks Industry

For the Banks industry and Financial Services sector, BEO Bancorp OR's Dividend Payout Ratio distribution charts can be found below:

* The bar in red indicates where BEO Bancorp OR's Dividend Payout Ratio falls into.


BEOB
72GF Score
BEO Bancorp OR BEOB
Dividend Payout Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

BEO Bancorp OR Dividend Payout Ratio Calculation

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.

BEO Bancorp OR'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 )
=1/ 6.601
=0.15

BEO Bancorp OR's Dividend Payout Ratio for the quarter that ended in Dec. 2025 is calculated as

Dividend Payout Ratio=Dividends per Share (Q: Dec. 2025 )/ EPS without NRI (Q: Dec. 2025 )
=1/ 6.601
=0.15

* 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.

Frequently Asked Questions Learn more about Dividend Payout Ratio →
What does a Dividend Payout Ratio of 0.15 mean?
BEO Bancorp OR (BEOB) has a Dividend Payout Ratio of 0.15 as of Dec. 2025. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on BEO Bancorp OR and its competitors. This is 21% below median its historical median of 0.19. Over the past decade, BEO Bancorp OR's Dividend Payout Ratio has ranged from 0.10 to 0.45. According to the industry distribution chart, BEO Bancorp OR ranks #140 out of 1162 companies in the Banks industry, placing it in the top 12%.
Is BEO Bancorp OR's Dividend Payout Ratio too high?
BEO Bancorp OR's current Dividend Payout Ratio of 0.15 is 21% below median its 10-year median of 0.19. Over the past 10 years, this metric has ranged from a low of 0.10 to a high of 0.45. The Banks industry median Dividend Payout Ratio is 0.32. BEO Bancorp OR's value of 0.15 is 53.1% below this industry median. Based on the distribution chart, BEO Bancorp OR ranks #140 out of 1162 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, BEO Bancorp OR has a GF Score™ of 72/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does BEO Bancorp OR's Dividend Payout Ratio compare to ENBP and NODB?
According to the Banks industry distribution chart, BEO Bancorp OR ranks #140 out of 1162 companies for Dividend Payout Ratio. This places BEO Bancorp OR in the top 12% of its industry — outperforming the majority of peers. The industry median Dividend Payout Ratio is 0.32. BEO Bancorp OR's value of 0.15 is 53.1% below this benchmark. Historically, BEO Bancorp OR's own Dividend Payout Ratio has ranged from 0.10 to 0.45 over the past decade. While the company's 10-year median is 0.19 vs. the industry median of 0.32, BEO Bancorp OR 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 1,162 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. BEO Bancorp OR's current Dividend Payout Ratio of 0.15 is 53.1% 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 BEO Bancorp OR 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. BEO Bancorp OR's current Dividend Payout Ratio is 0.15, which is 21% below median its own 10-year median of 0.19. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is BEO Bancorp OR stock overvalued right now?
Based on GuruFocus' analysis, BEO Bancorp OR (BEOB) is currently considered Significantly Overvalued. The stock's GF Value™ is $48.11, compared to a current price of $64.49 — trading 34% above its estimated fair value. The current Dividend Payout Ratio is 0.15, which is 21% below median its 10-year median of 0.19 and 53.1% below the Banks industry median of 0.32. BEO Bancorp OR's overall GF Score™ is 72/100 with 1 warning sign 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 BEO Bancorp OR (BEOB), the current Dividend Payout Ratio is 0.15 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 BEO Bancorp OR (BEOB) Overvalued in 2026?

Based on GuruFocus' analysis, BEO Bancorp OR stock appears to be overvalued. The current stock price of $64.49 is trading 34% above its estimated GF Value™ of $48.11. GuruFocus considers BEO Bancorp OR to be Significantly Overvalued.

Key valuation signals for BEOB:

  • Dividend Payout Ratio: 0.15 (21% below median its 10-year median of 0.19)
  • GF Value™: $48.11 vs. price of $64.49 (34% above fair value)
  • GF Score™: 72/100 with 1 warning sign
  • Industry Position: 53.1% below the Banks median (#140 of 1162)

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

BEO Bancorp OR Business Description

Address 250 NW Gale Street, PO Box 39, Heppner, OR, USA, 97836
BEO Bancorp OR provides commercial and consumer financing, banking, and mortgage lending, and other services in Northeastern Oregon and Southeastern Washington. Its activities include the usual lending and deposit functions of a commercial bank: commercial, agricultural, real estate, installment, credit card, and mortgage loans; checking, money market, time deposit, and savings accounts; internet banking and bill payment; automated teller machines and safe deposit facilities. Additionally, the Bank originates and sells mortgage loans into the secondary market.
72GF Score

Get the complete analysis for BEOB

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

$64.49
Price
$48.11
GF Value