EBSH (Empire Bancshares) Dividend Payout Ratio: 0.21 (As of Dec. 2025) — 19% Below Median

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EBSH Empire Bancshares Inc EBSH
52 GF Score
Price $41.63
GF Value $23.52
Valuation Significantly Overvalued
! 5 Warning Signs
View Full Analysis

What is Empire Bancshares Dividend Payout Ratio?

Empire Bancshares EBSH 52 Dividend Payout Ratio is 0.21 as of Dec. 2025, which is 19% below its 10-year median of 0.26. GuruFocus rates EBSH with a GF Score™ of 52/100 and a GF Value™ of $23.52 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,174 Banks companies, Empire Bancshares ranks better than 76.32% 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. Empire Bancshares's Dividend Payout Ratio for the months ended in Dec. 2025 was 0.21.

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

EBSH' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.21   Med: 0.26   Max: 0.41
Current: 0.21

During the past 7 years, the highest Dividend Payout Ratio of Empire Bancshares was 0.41. The lowest was 0.21. And the median was 0.26.

EBSH's Dividend Payout Ratio is ranked better than
76.32% of 1174 companies
in the Banks industry
Industry Median: 0.32 vs EBSH: 0.21

As of today (2026-08-02), the Dividend Yield % of Empire Bancshares is 1.11%.

During the past 7 years, the highest Trailing Annual Dividend Yield of Empire Bancshares was 2.54%. The lowest was 1.03%. And the median was 2.25%.

Empire Bancshares's Dividends per Share for the months ended in Dec. 2025 was $0.46.

During the past 12 months, Empire Bancshares's average Dividends Per Share Growth Rate was 1.10% per year. During the past 3 years, the average Dividends Per Share Growth Rate was 0.40% per year. During the past 5 years, the average Dividends Per Share Growth Rate was 1.10% per year.

During the past 7 years, the highest 3-Year average Dividends Per Share Growth Rate of Empire Bancshares was 6.30% per year. The lowest was -2.10% per year. And the median was 2.00% 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.

Empire Bancshares (OTCPK:EBSH) 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.

Empire Bancshares Dividend Payout Ratio Related Terms

Empire Bancshares Dividend Payout Ratio Historical Data

* Premium members only.

The historical data trend for Empire Bancshares'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.

Empire Bancshares Dividend Payout Ratio Chart

Empire Bancshares Annual Data
Trend Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Dividend Payout Ratio
Get a 7-Day Free Trial 0.29 0.24 0.27 0.41 0.21

Empire Bancshares Semi-Annual Data
Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Dividend Payout Ratio Get a 7-Day Free Trial 0.29 0.24 0.27 0.41 0.21

EBSH vs GWBK, MNBO, GTPS: Dividend Payout Ratio Comparison

For the Banks - Regional subindustry, Empire Bancshares'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.

Empire Bancshares Dividend Payout Ratio vs Banks Industry

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

* The bar in red indicates where Empire Bancshares's Dividend Payout Ratio falls into.


EBSH
52GF Score
Empire Bancshares Inc EBSH
Dividend Payout Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Empire Bancshares 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.

Empire Bancshares'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 )
=0.455/ 2.19
=0.21

Empire Bancshares'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 )
=0.455/ 2.19
=0.21

* 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 0.21 mean?
Empire Bancshares (EBSH) has a Dividend Payout Ratio of 0.21 as of Dec. 2025. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Empire Bancshares and its competitors. This is 19% below median its historical median of 0.26. Over the past decade, Empire Bancshares' Dividend Payout Ratio has ranged from 0.21 to 0.41. According to the industry distribution chart, Empire Bancshares ranks #278 out of 1174 companies in the Banks industry, placing it in the top 23.7%.
Is Empire Bancshares' Dividend Payout Ratio too high?
Empire Bancshares' current Dividend Payout Ratio of 0.21 is 19% below median its 10-year median of 0.26. Over the past 10 years, this metric has ranged from a low of 0.21 to a high of 0.41. The Banks industry median Dividend Payout Ratio is 0.32. Empire Bancshares' value of 0.21 is 34.4% below this industry median. Based on the distribution chart, Empire Bancshares ranks #278 out of 1174 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Empire Bancshares has a GF Score™ of 52/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Empire Bancshares' Dividend Payout Ratio compare to GWBK and MNBO?
According to the Banks industry distribution chart, Empire Bancshares ranks #278 out of 1174 companies for Dividend Payout Ratio. This places Empire Bancshares in the top 24% of its industry — outperforming the majority of peers. The industry median Dividend Payout Ratio is 0.32. Empire Bancshares' value of 0.21 is 34.4% below this benchmark. Historically, Empire Bancshares' own Dividend Payout Ratio has ranged from 0.21 to 0.41 over the past decade. While the company's 10-year median is 0.26 vs. the industry median of 0.32, Empire Bancshares 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 1,174 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. Empire Bancshares's current Dividend Payout Ratio of 0.21 is 34.4% 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 Empire Bancshares 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. Empire Bancshares's current Dividend Payout Ratio is 0.21, which is 19% below median its own 10-year median of 0.26. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Empire Bancshares stock overvalued right now?
Based on GuruFocus' analysis, Empire Bancshares (EBSH) is currently considered Significantly Overvalued. The stock's GF Value™ is $23.52, compared to a current price of $41.63 — trading 77% above its estimated fair value. The current Dividend Payout Ratio is 0.21, which is 19% below median its 10-year median of 0.26 and 34.4% below the Banks industry median of 0.32. Empire Bancshares' overall GF Score™ is 52/100 with 5 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 Empire Bancshares (EBSH), the current Dividend Payout Ratio is 0.21 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 Empire Bancshares (EBSH) Overvalued in 2026?

Based on GuruFocus' analysis, Empire Bancshares stock appears to be overvalued. The current stock price of $41.63 is trading 77% above its estimated GF Value™ of $23.52. GuruFocus considers Empire Bancshares to be Significantly Overvalued.

Key valuation signals for EBSH:

  • Dividend Payout Ratio: 0.21 (19% below median its 10-year median of 0.26)
  • GF Value™: $23.52 vs. price of $41.63 (77% above fair value)
  • GF Score™: 52/100 with 5 warning signs
  • Industry Position: 34.4% below the Banks median (#278 of 1174)

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

Empire Bancshares Business Description

Address 144 E. High Street, PO Box 283, Hicksville, OH, USA, 43526
Empire Bancshares Inc, through its subsidiary, is engaged in providing banking products and services. The Bank's principal services include accepting deposits and making loans. Loan and deposit customers are mainly located in northwestern Ohio and northeastern Indiana, and include a wide range of individuals, businesses, and other organizations. A portion of loans is secured by various forms of collateral, including real estate, business assets, consumer property, and other items, although borrower cash flow is generally the primary source of repayment.
52GF Score

Get the complete analysis for EBSH

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

$41.63
Price
$23.52
GF Value