Western New England BancorpFRA:489 +18.27%67 Dividend Payout Ratio is 0.29 as of Mar. 2026, which is 12% below its 10-year median of 0.33. GuruFocus rates FRA:489 with a GF Score™ of 67/100 and a GF Value™ of €8.97 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,171 Banks companies, Western New England Bancorp ranks better than 53.2% 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. Western New England Bancorp's Dividend Payout Ratio for the
months ended in Mar. 2026 was 0.29.
The historical rank and industry rank for Western New England Bancorp's Dividend Payout Ratio or its related term are showing as below:
FRA:489'
s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.2 Med: 0.33 Max: 0.5
Current: 0.32
During the past 13 years, the highest Dividend Payout Ratio of Western New England Bancorp was 0.50. The lowest was 0.20. And the median was 0.33.
FRA:489's Dividend Payout Ratio is ranked better than 53.2% of 1171
companies
in the Banks industry
Industry Median: 0.32
vs FRA:489: 0.32
During the past 13 years, the highest Trailing Annual Dividend Yield of Western New England Bancorp was 4.49%. The lowest was 0.90%. And the median was 2.33%.
During the past 3 years, the average Dividends Per Share Growth Rate was 5.30% per year.
During the past 5 years, the average Dividends Per Share Growth Rate was 8.50% per year.
During the past 10 years, the average Dividends Per Share Growth Rate was 11.10% per year.
During the past 13 years, the highest 3-Year average Dividends Per Share Growth Rate of Western New England Bancorp was 44.20% per year. The lowest was -20.60% per year. And the median was 6.30% 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.
Western New England Bancorp (FRA:489) 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.
Western New England Bancorp Dividend Payout Ratio Related Terms
Western New England Bancorp Dividend Payout Ratio Historical Data
* 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.
Western New England Bancorp Dividend Payout Ratio Chart
FRA:489 vs CCFN, FNRN, FUNC: Dividend Payout Ratio Comparison
For the Banks - Regional subindustry, Western New England 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.
Western New England Bancorp Dividend Payout Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Western New England Bancorp's Dividend Payout Ratio distribution charts can be found below:
* The bar in red indicates where Western New England Bancorp's Dividend Payout Ratio falls into.
Western New England Bancorp 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.
Western New England 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.
Western New England Bancorp (FRA:489) has a Dividend Payout Ratio of 0.29 as of Mar. 2026. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Western New England Bancorp and its competitors. This is 12% below median its historical median of 0.33. Over the past decade, Western New England Bancorp's Dividend Payout Ratio has ranged from 0.20 to 0.50. According to the industry distribution chart, Western New England Bancorp ranks #548 out of 1171 companies in the Banks industry, placing it in the top 46.8%.
Is Western New England Bancorp's Dividend Payout Ratio too high?
Western New England Bancorp's current Dividend Payout Ratio of 0.29 is 12% below median its 10-year median of 0.33. Over the past 10 years, this metric has ranged from a low of 0.20 to a high of 0.50. The Banks industry median Dividend Payout Ratio is 0.32. Western New England Bancorp's value of 0.29 is 9.4% below this industry median. Based on the distribution chart, Western New England Bancorp ranks #548 out of 1171 companies in the Banks industry, which is above the industry midpoint. Overall, Western New England Bancorp has a GF Score™ of 67/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Western New England Bancorp's Dividend Payout Ratio compare to CCFN and FNRN?
According to the Banks industry distribution chart, Western New England Bancorp ranks #548 out of 1171 companies for Dividend Payout Ratio. This puts Western New England Bancorp in the upper half of its industry. The industry median Dividend Payout Ratio is 0.32. Western New England Bancorp's value of 0.29 is 9.4% below this benchmark. Historically, Western New England Bancorp's own Dividend Payout Ratio has ranged from 0.20 to 0.50 over the past decade. While the company's 10-year median is 0.33 vs. the industry median of 0.32, Western New England 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 1,171 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. Western New England Bancorp's current Dividend Payout Ratio of 0.29 is 9.4% 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 Western New England 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. Western New England Bancorp's current Dividend Payout Ratio is 0.29, which is 12% below median its own 10-year median of 0.33. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Western New England Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Western New England Bancorp (FRA:489) is currently considered Significantly Overvalued. The stock's GF Value™ is €8.97, compared to a current price of €12.30 — trading 37.1% above its estimated fair value. The current Dividend Payout Ratio is 0.29, which is 12% below median its 10-year median of 0.33 and 9.4% below the Banks industry median of 0.32. Western New England Bancorp's overall GF Score™ is 67/100 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 Western New England Bancorp (FRA:489), the current Dividend Payout Ratio is 0.29 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 Western New England Bancorp (FRA:489) Overvalued in 2026?
Based on GuruFocus' analysis, Western New England Bancorp stock appears to be overvalued.
The current stock price of €12.30 is trading 37.1% above its estimated GF Value™ of €8.97.
GuruFocus considers Western New England Bancorp to be Significantly Overvalued.
Key valuation signals for FRA:489:
Dividend Payout Ratio: 0.29 (12% below median its 10-year median of 0.33)
GF Value™: €8.97 vs. price of €12.30 (37.1% above fair value)
Industry Position: 9.4% below the Banks median (#548 of 1171)
No single metric tells the full story. See the FRA:489 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Western New England Bancorp Inc through its bank subsidiary, provides a range of financial services to individuals and companies in western Massachusetts and northern Connecticut. These services include commercial lending, residential lending and consumer lending, checking, savings and time deposits, cash management, and wealth management. Substantially all of the company's revenues, profits, and assets are derived by the Bank from banking products and services.
67GF Score
Get the complete analysis for FRA:489
Dividend Payout Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
FRA:489 has been successfully added to your 
