NIDB (Northeast Indiana Bancorp) Dividend Payout Ratio: 0.24 (As of Jun. 2026) — 14% Below Median

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Director of Data and Quant Analytics at GuruFocus
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NIDB Northeast Indiana Bancorp Inc NIDB
62 GF Score
Price $24.56
GF Value $22.54
Valuation Fairly Valued
! 4 Warning Signs
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What is Northeast Indiana Bancorp Dividend Payout Ratio?

Northeast Indiana Bancorp NIDB +1.49% 62 Dividend Payout Ratio is 0.24 as of Jun. 2026, which is 14% below its 10-year median of 0.28. GuruFocus rates NIDB with a GF Score™ of 62/100 and a GF Value™ of $22.54 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,173 Banks companies, Northeast Indiana Bancorp ranks better than 67.86% 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. Northeast Indiana Bancorp's Dividend Payout Ratio for the months ended in Jun. 2026 was 0.24.

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

NIDB' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.19   Med: 0.28   Max: 0.38
Current: 0.25

During the past 13 years, the highest Dividend Payout Ratio of Northeast Indiana Bancorp was 0.38. The lowest was 0.19. And the median was 0.28.

NIDB's Dividend Payout Ratio is ranked better than
67.86% of 1173 companies
in the Banks industry
Industry Median: 0.32 vs NIDB: 0.25

As of today (2026-08-01), the Dividend Yield % of Northeast Indiana Bancorp is 3.05%.

During the past 13 years, the highest Trailing Annual Dividend Yield of Northeast Indiana Bancorp was 4.10%. The lowest was 0.87%. And the median was 1.14%.

Northeast Indiana Bancorp's Dividends per Share for the months ended in Jun. 2026 was $0.19.

During the past 12 months, Northeast Indiana Bancorp's average Dividends Per Share Growth Rate was 5.60% per year. During the past 3 years, the average Dividends Per Share Growth Rate was 6.20% per year. During the past 5 years, the average Dividends Per Share Growth Rate was 6.20% per year. During the past 10 years, the average Dividends Per Share Growth Rate was 6.10% per year.

During the past 13 years, the highest 3-Year average Dividends Per Share Growth Rate of Northeast Indiana Bancorp was 66.50% per year. The lowest was 1.30% per year. And the median was 6.20% 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.

Northeast Indiana Bancorp (OTCPK:NIDB) 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.

Northeast Indiana Bancorp Dividend Payout Ratio Related Terms

Northeast Indiana Bancorp Dividend Payout Ratio Historical Data

* Premium members only.

The historical data trend for Northeast Indiana 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.

Northeast Indiana Bancorp Dividend Payout Ratio Chart

Northeast Indiana Bancorp Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Dividend Payout Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.19 0.22 0.37 0.38 0.28

Northeast Indiana Bancorp Quarterly Data
Sep15 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Dividend Payout Ratio Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.26 0.23 0.25 0.28 0.24

NIDB vs CIBH, MBKL, BBBK: Dividend Payout Ratio Comparison

For the Banks - Regional subindustry, Northeast Indiana 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.

Northeast Indiana Bancorp Dividend Payout Ratio vs Banks Industry

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

* The bar in red indicates where Northeast Indiana Bancorp's Dividend Payout Ratio falls into.


NIDB
62GF Score
Northeast Indiana Bancorp Inc NIDB
Dividend Payout Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Northeast Indiana 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.

Northeast Indiana Bancorp'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 )
=0.73/ 2.64
=0.28

Northeast Indiana Bancorp's Dividend Payout Ratio for the quarter that ended in Jun. 2026 is calculated as

Dividend Payout Ratio=Dividends per Share (Q: Jun. 2026 )/ EPS without NRI (Q: Jun. 2026 )
=0.19/ 0.791
=0.24

* 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 0.24 mean?
Northeast Indiana Bancorp (NIDB) has a Dividend Payout Ratio of 0.24 as of Jun. 2026. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Northeast Indiana Bancorp and its competitors. This is 14% below median its historical median of 0.28. Over the past decade, Northeast Indiana Bancorp's Dividend Payout Ratio has ranged from 0.19 to 0.38. According to the industry distribution chart, Northeast Indiana Bancorp ranks #377 out of 1173 companies in the Banks industry, placing it in the top 32.1%.
Is Northeast Indiana Bancorp's Dividend Payout Ratio too high?
Northeast Indiana Bancorp's current Dividend Payout Ratio of 0.24 is 14% below median its 10-year median of 0.28. Over the past 10 years, this metric has ranged from a low of 0.19 to a high of 0.38. The Banks industry median Dividend Payout Ratio is 0.32. Northeast Indiana Bancorp's value of 0.24 is 25% below this industry median. Based on the distribution chart, Northeast Indiana Bancorp ranks #377 out of 1173 companies in the Banks industry, which is above the industry midpoint. Overall, Northeast Indiana Bancorp has a GF Score™ of 62/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Northeast Indiana Bancorp's Dividend Payout Ratio compare to CIBH and MBKL?
According to the Banks industry distribution chart, Northeast Indiana Bancorp ranks #377 out of 1173 companies for Dividend Payout Ratio. This puts Northeast Indiana Bancorp in the upper half of its industry. The industry median Dividend Payout Ratio is 0.32. Northeast Indiana Bancorp's value of 0.24 is 25% below this benchmark. Historically, Northeast Indiana Bancorp's own Dividend Payout Ratio has ranged from 0.19 to 0.38 over the past decade. While the company's 10-year median is 0.28 vs. the industry median of 0.32, Northeast Indiana 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 1,173 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. Northeast Indiana Bancorp's current Dividend Payout Ratio of 0.24 is 25% 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 Northeast Indiana 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. Northeast Indiana Bancorp's current Dividend Payout Ratio is 0.24, which is 14% below median its own 10-year median of 0.28. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Northeast Indiana Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Northeast Indiana Bancorp (NIDB) is currently considered Fairly Valued. The stock's GF Value™ is $22.54, compared to a current price of $24.56 — trading 9% above its estimated fair value. The current Dividend Payout Ratio is 0.24, which is 14% below median its 10-year median of 0.28 and 25% below the Banks industry median of 0.32. Northeast Indiana Bancorp's overall GF Score™ is 62/100 with 4 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 Northeast Indiana Bancorp (NIDB), the current Dividend Payout Ratio is 0.24 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 Northeast Indiana Bancorp (NIDB) Overvalued in 2026?

Based on GuruFocus' analysis, Northeast Indiana Bancorp stock appears to be overvalued. The current stock price of $24.56 is trading 9% above its estimated GF Value™ of $22.54. GuruFocus considers Northeast Indiana Bancorp to be Fairly Valued.

Key valuation signals for NIDB:

  • Dividend Payout Ratio: 0.24 (14% below median its 10-year median of 0.28)
  • GF Value™: $22.54 vs. price of $24.56 (9% above fair value)
  • GF Score™: 62/100 with 4 warning signs
  • Industry Position: 25% below the Banks median (#377 of 1173)

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

Northeast Indiana Bancorp Business Description

Address 648 North Jefferson Street, P.O. Box 70, Huntington, IN, USA, 46750
Northeast Indiana Bancorp Inc is a financial services company and bank holding company that provides commercial and residential real estate loans in the United States. It operates through Residential Mortgage, Commercial Mortgage, Construction and Land Development, Commercial and Industrial, and Consumer segments. The bank offers key personal products such as checking and savings accounts, debit cards, and deposits, as well as business services including checking accounts, merchant services, and cash management.
62GF Score

Get the complete analysis for NIDB

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

$24.56
Price
$22.54
GF Value