Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Golden VY BancsharesGVYB 56 Dividend Payout Ratio is 0.79 as of Jun. 2026, which is 508% above its 10-year median of 0.13. GuruFocus rates GVYB with a GF Score™ of 56/100 and a GF Value™ of $23.10 (Fairly Valued). The stock has 5 warning signs investors should review. Among 1,171 Banks companies, Golden VY Bancshares ranks better than 80.1% 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. Golden VY Bancshares's Dividend Payout Ratio for the
months ended in Jun. 2026 was 0.79.
The historical rank and industry rank for Golden VY Bancshares's Dividend Payout Ratio or its related term are showing as below:
GVYB'
s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.03 Med: 0.13 Max: 0.2
Current: 0.19
During the past 8 years, the highest Dividend Payout Ratio of Golden VY Bancshares was 0.20. The lowest was 0.03. And the median was 0.13.
GVYB's Dividend Payout Ratio is ranked better than 80.1% of 1171
companies
in the Banks industry
Industry Median: 0.32
vs GVYB: 0.19
Golden VY Bancshares (OTCPK:GVYB) 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.
Golden VY Bancshares Dividend Payout Ratio Related Terms
Golden VY Bancshares Dividend Payout Ratio Historical Data
* Premium members only.
The historical data trend for Golden VY 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.
GVYB vs BSPA, CIZN, MBKL: Dividend Payout Ratio Comparison
For the Banks - Regional subindustry, Golden VY 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.
Golden VY Bancshares Dividend Payout Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Golden VY Bancshares's Dividend Payout Ratio distribution charts can be found below:
* The bar in red indicates where Golden VY Bancshares's Dividend Payout Ratio falls into.
Golden VY 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.
Golden VY Bancshares'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.
Golden VY Bancshares (GVYB) has a Dividend Payout Ratio of 0.79 as of Jun. 2026. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Golden VY Bancshares and its competitors. This is 508% above median its historical median of 0.13. Over the past decade, Golden VY Bancshares' Dividend Payout Ratio has ranged from 0.03 to 0.20. According to the industry distribution chart, Golden VY Bancshares ranks #233 out of 1171 companies in the Banks industry, placing it in the top 19.9%.
Is Golden VY Bancshares' Dividend Payout Ratio too high?
Golden VY Bancshares' current Dividend Payout Ratio of 0.79 is 508% above median its 10-year median of 0.13. Over the past 10 years, this metric has ranged from a low of 0.03 to a high of 0.20. The Banks industry median Dividend Payout Ratio is 0.32. Golden VY Bancshares' value of 0.79 is 146.9% above this industry median. Based on the distribution chart, Golden VY Bancshares ranks #233 out of 1171 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Golden VY Bancshares has a GF Score™ of 56/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Golden VY Bancshares' Dividend Payout Ratio compare to BSPA and CIZN?
According to the Banks industry distribution chart, Golden VY Bancshares ranks #233 out of 1171 companies for Dividend Payout Ratio. This places Golden VY Bancshares in the top 20% of its industry — outperforming the majority of peers. The industry median Dividend Payout Ratio is 0.32. Golden VY Bancshares' value of 0.79 is 146.9% above this benchmark. Historically, Golden VY Bancshares' own Dividend Payout Ratio has ranged from 0.03 to 0.20 over the past decade. While the company's 10-year median is 0.13 vs. the industry median of 0.32, Golden VY Bancshares 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 1,171 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. Golden VY Bancshares's current Dividend Payout Ratio of 0.79 is 146.9% 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 Golden VY 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. Golden VY Bancshares's current Dividend Payout Ratio is 0.79, which is 508% above median its own 10-year median of 0.13. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Golden VY Bancshares stock overvalued right now?
Based on GuruFocus' analysis, Golden VY Bancshares (GVYB) is currently considered Fairly Valued. The stock's GF Value™ is $23.10, compared to a current price of $25.05 — trading 8.4% above its estimated fair value. The current Dividend Payout Ratio is 0.79, which is 508% above median its 10-year median of 0.13 and 146.9% above the Banks industry median of 0.32. Golden VY Bancshares' overall GF Score™ is 56/100 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 Golden VY Bancshares (GVYB), the current Dividend Payout Ratio is 0.79 as of Jun. 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 Golden VY Bancshares (GVYB) Overvalued in 2026?
Based on GuruFocus' analysis, Golden VY Bancshares stock appears to be overvalued.
The current stock price of $25.05 is trading 8.4% above its estimated GF Value™ of $23.10.
GuruFocus considers Golden VY Bancshares to be Fairly Valued.
Key valuation signals for GVYB:
Dividend Payout Ratio: 0.79 (508% above median its 10-year median of 0.13)
GF Value™: $23.10 vs. price of $25.05 (8.4% above fair value)
Industry Position: 146.9% above the Banks median (#233 of 1171)
No single metric tells the full story. See the GVYB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Golden VY Bancshares Inc is the parent company of its wholly-owned subsidiary, Golden Valley Bank. The Bank is a commercial bank that provides a wide range of loans, deposit products, and services to its surrounding communities in Butte, Shasta, and surrounding counties.
56GF Score
Get the complete analysis for GVYB
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
GVYB has been successfully added to your 
