Neffs BancorpNEFB 49 Dividend Payout Ratio is 0.44 as of Dec. 2025, which is 29% above its 10-year median of 0.34. GuruFocus rates NEFB with a GF Score™ of 49/100 and a GF Value™ of $274.22 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,172 Banks companies, Neffs Bancorp ranks worse than 68.86% 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. Neffs Bancorp's Dividend Payout Ratio for the
months ended in Dec. 2025 was 0.44.
The historical rank and industry rank for Neffs Bancorp's Dividend Payout Ratio or its related term are showing as below:
NEFB'
s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.11 Med: 0.34 Max: 0.55
Current: 0.44
During the past 13 years, the highest Dividend Payout Ratio of Neffs Bancorp was 0.55. The lowest was 0.11. And the median was 0.34.
NEFB's Dividend Payout Ratio is ranked worse than 68.86% of 1172
companies
in the Banks industry
Industry Median: 0.32
vs NEFB: 0.44
During the past 3 years, the average Dividends Per Share Growth Rate was 0.20% per year.
During the past 5 years, the average Dividends Per Share Growth Rate was 0.80% per year.
During the past 13 years, the highest 3-Year average Dividends Per Share Growth Rate of Neffs Bancorp was 53.30% per year. The lowest was 0.20% per year. And the median was 1.00% 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.
Neffs Bancorp (OTCPK:NEFB) 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.
Neffs Bancorp Dividend Payout Ratio Related Terms
Neffs Bancorp Dividend Payout Ratio Historical Data
* Premium members only.
The historical data trend for Neffs Bancorp'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.
NEFB vs BBBK, STBI, BAOB: Dividend Payout Ratio Comparison
For the Banks - Regional subindustry, Neffs 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.
Neffs Bancorp Dividend Payout Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Neffs Bancorp's Dividend Payout Ratio distribution charts can be found below:
* The bar in red indicates where Neffs Bancorp's Dividend Payout Ratio falls into.
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.
Neffs 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.
Neffs Bancorp (NEFB) has a Dividend Payout Ratio of 0.44 as of Dec. 2025. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Neffs Bancorp and its competitors. This is 29% above median its historical median of 0.34. Over the past decade, Neffs Bancorp's Dividend Payout Ratio has ranged from 0.11 to 0.55. According to the industry distribution chart, Neffs Bancorp ranks #807 out of 1172 companies in the Banks industry, placing it in the top 68.9%.
Is Neffs Bancorp's Dividend Payout Ratio too high?
Neffs Bancorp's current Dividend Payout Ratio of 0.44 is 29% above median its 10-year median of 0.34. Over the past 10 years, this metric has ranged from a low of 0.11 to a high of 0.55. The Banks industry median Dividend Payout Ratio is 0.32. Neffs Bancorp's value of 0.44 is 37.5% above this industry median. Based on the distribution chart, Neffs Bancorp ranks #807 out of 1172 companies in the Banks industry, which is below the industry midpoint. Overall, Neffs Bancorp has a GF Score™ of 49/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Neffs Bancorp's Dividend Payout Ratio compare to BBBK and STBI?
According to the Banks industry distribution chart, Neffs Bancorp ranks #807 out of 1172 companies for Dividend Payout Ratio. This places Neffs Bancorp in the lower half of its industry. The industry median Dividend Payout Ratio is 0.32. Neffs Bancorp's value of 0.44 is 37.5% above this benchmark. Historically, Neffs Bancorp's own Dividend Payout Ratio has ranged from 0.11 to 0.55 over the past decade. While the company's 10-year median is 0.34 vs. the industry median of 0.32, Neffs Bancorp 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. Neffs Bancorp's current Dividend Payout Ratio of 0.44 is 37.5% 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 Neffs 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. Neffs Bancorp's current Dividend Payout Ratio is 0.44, which is 29% above median its own 10-year median of 0.34. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Neffs Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Neffs Bancorp (NEFB) is currently considered Significantly Overvalued. The stock's GF Value™ is $274.22, compared to a current price of $395.00 — trading 44% above its estimated fair value. The current Dividend Payout Ratio is 0.44, which is 29% above median its 10-year median of 0.34 and 37.5% above the Banks industry median of 0.32. Neffs Bancorp's overall GF Score™ is 49/100 with 6 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 Neffs Bancorp (NEFB), the current Dividend Payout Ratio is 0.44 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 Neffs Bancorp (NEFB) Overvalued in 2026?
Based on GuruFocus' analysis, Neffs Bancorp stock appears to be overvalued.
The current stock price of $395.00 is trading 44% above its estimated GF Value™ of $274.22.
GuruFocus considers Neffs Bancorp to be Significantly Overvalued.
Key valuation signals for NEFB:
Dividend Payout Ratio: 0.44 (29% above median its 10-year median of 0.34)
GF Value™: $274.22 vs. price of $395.00 (44% above fair value)
Industry Position: 37.5% above the Banks median (#807 of 1172)
No single metric tells the full story. See the NEFB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Neffs Bancorp Inc provides a full range of financial services to individuals, small businesses and corporate customers. The Bank's primary deposits are checking accounts, savings accounts and certificates of deposit. The bank offers personal banking and commercial banking services. The primary source of revenue is interest and fees earned from providing residential mortgages, consumer loans and commercial loans to customers located within the Lehigh Valley of Pennsylvania.
49GF Score
Get the complete analysis for NEFB
Dividend Payout Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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