Hamlin Bank and Trust CoHMLN 71 Dividend Payout Ratio is 0.62 as of Dec. 2025, which is at its 10-year median of 0.62. GuruFocus rates HMLN with a GF Score™ of 71/100 and a GF Value™ of $273.02 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 1,172 Banks companies, Hamlin Bank and Trust Co ranks worse than 86.43% 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. Hamlin Bank and Trust Co's Dividend Payout Ratio for the
months ended in Dec. 2025 was 0.62.
The historical rank and industry rank for Hamlin Bank and Trust Co's Dividend Payout Ratio or its related term are showing as below:
HMLN'
s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.36 Med: 0.62 Max: 1.41
Current: 0.62
During the past 12 years, the highest Dividend Payout Ratio of Hamlin Bank and Trust Co was 1.41. The lowest was 0.36. And the median was 0.62.
HMLN's Dividend Payout Ratio is ranked worse than 86.43% of 1172
companies
in the Banks industry
Industry Median: 0.32
vs HMLN: 0.62
During the past 12 years, the highest Trailing Annual Dividend Yield of Hamlin Bank and Trust Co was 7.74%. The lowest was 3.56%. And the median was 5.11%.
During the past 5 years, the average Dividends Per Share Growth Rate was 1.60% per year.
During the past 12 years, the highest 3-Year average Dividends Per Share Growth Rate of Hamlin Bank and Trust Co was 15.80% per year. The lowest was 0.00% per year. And the median was 2.90% 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.
Hamlin Bank and Trust Co (OTCPK:HMLN) 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.
Hamlin Bank and Trust Co Dividend Payout Ratio Related Terms
Hamlin Bank and Trust Co Dividend Payout Ratio Historical Data
* Premium members only.
The historical data trend for Hamlin Bank and Trust Co'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.
Hamlin Bank and Trust Co Dividend Payout Ratio Chart
HMLN vs SOBS, BKOR, EDVR: Dividend Payout Ratio Comparison
For the Banks - Regional subindustry, Hamlin Bank and Trust Co'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.
Hamlin Bank and Trust Co Dividend Payout Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Hamlin Bank and Trust Co's Dividend Payout Ratio distribution charts can be found below:
* The bar in red indicates where Hamlin Bank and Trust Co's Dividend Payout Ratio falls into.
Hamlin Bank and Trust Co 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.
Hamlin Bank and Trust Co'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.
Hamlin Bank and Trust Co (HMLN) has a Dividend Payout Ratio of 0.62 as of Dec. 2025. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Hamlin Bank and Trust Co and its competitors. This is near median its historical median of 0.62. Over the past decade, Hamlin Bank and Trust Co's Dividend Payout Ratio has ranged from 0.36 to 1.41. According to the industry distribution chart, Hamlin Bank and Trust Co ranks #1013 out of 1172 companies in the Banks industry, placing it in the top 86.4%.
Is Hamlin Bank and Trust Co's Dividend Payout Ratio too high?
Hamlin Bank and Trust Co's current Dividend Payout Ratio of 0.62 is near median its 10-year median of 0.62. Over the past 10 years, this metric has ranged from a low of 0.36 to a high of 1.41. The Banks industry median Dividend Payout Ratio is 0.32. Hamlin Bank and Trust Co's value of 0.62 is 93.8% above this industry median. Based on the distribution chart, Hamlin Bank and Trust Co ranks #1013 out of 1172 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Hamlin Bank and Trust Co has a GF Score™ of 71/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Hamlin Bank and Trust Co's Dividend Payout Ratio compare to SOBS and BKOR?
According to the Banks industry distribution chart, Hamlin Bank and Trust Co ranks #1013 out of 1172 companies for Dividend Payout Ratio. This places Hamlin Bank and Trust Co in the lower half of its industry. The industry median Dividend Payout Ratio is 0.32. Hamlin Bank and Trust Co's value of 0.62 is 93.8% above this benchmark. Historically, Hamlin Bank and Trust Co's own Dividend Payout Ratio has ranged from 0.36 to 1.41 over the past decade. While the company's 10-year median is 0.62 vs. the industry median of 0.32, Hamlin Bank and Trust Co 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 1,172 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. Hamlin Bank and Trust Co's current Dividend Payout Ratio of 0.62 is 93.8% 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 Hamlin Bank and Trust Co 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. Hamlin Bank and Trust Co's current Dividend Payout Ratio is 0.62, which is near median its own 10-year median of 0.62. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Hamlin Bank and Trust Co stock overvalued right now?
Based on GuruFocus' analysis, Hamlin Bank and Trust Co (HMLN) is currently considered Modestly Undervalued. The stock's GF Value™ is $273.02, compared to a current price of $240.00 — trading 12.1% below its estimated fair value. The current Dividend Payout Ratio is 0.62, which is near median its 10-year median of 0.62 and 93.8% above the Banks industry median of 0.32. Hamlin Bank and Trust Co's overall GF Score™ is 71/100 with 3 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 Hamlin Bank and Trust Co (HMLN), the current Dividend Payout Ratio is 0.62 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 Hamlin Bank and Trust Co (HMLN) Overvalued in 2026?
Based on GuruFocus' analysis, Hamlin Bank and Trust Co stock appears to be undervalued.
The current stock price of $240.00 is trading 12.1% below its estimated GF Value™ of $273.02.
GuruFocus considers Hamlin Bank and Trust Co to be Modestly Undervalued.
Key valuation signals for HMLN:
Dividend Payout Ratio: 0.62 (near median its 10-year median of 0.62)
GF Value™: $273.02 vs. price of $240.00 (12.1% below fair value)
Industry Position: 93.8% above the Banks median (#1013 of 1172)
No single metric tells the full story. See the HMLN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Hamlin Bank and Trust Co are a United States-based state charted commercial bank. It offers a variety of financial and trust services. The company provides services such as personal banking services, business banking services, trust services, and other banking services. The Banks principal sources of revenue emanate from its portfolio of residential real estate, commercial mortgage, commercial, and consumer loans, as well as interest on investment securities and a variety of deposit and trust services provided to its customers.
71GF Score
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