REDW (Redwood Financial) Dividend Payout Ratio: 0.17 (As of Dec. 2025) — Near Median

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REDW Redwood Financial Inc REDW
63 GF Score
Price $185.25
GF Value $190.51
Valuation Fairly Valued
! 3 Warning Signs
View Full Analysis

What is Redwood Financial Dividend Payout Ratio?

Redwood Financial REDW -5.24% 63 Dividend Payout Ratio is 0.17 as of Dec. 2025, which is at its 10-year median of 0.17. GuruFocus rates REDW with a GF Score™ of 63/100 and a GF Value™ of $190.51 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,173 Banks companies, Redwood Financial ranks better than 84.14% 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. Redwood Financial's Dividend Payout Ratio for the months ended in Dec. 2025 was 0.17.

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

REDW' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.12   Med: 0.17   Max: 0.3
Current: 0.17

During the past 7 years, the highest Dividend Payout Ratio of Redwood Financial was 0.30. The lowest was 0.12. And the median was 0.17.

REDW's Dividend Payout Ratio is ranked better than
84.14% of 1173 companies
in the Banks industry
Industry Median: 0.32 vs REDW: 0.17

As of today (2026-07-31), the Dividend Yield % of Redwood Financial is 1.21%.

During the past 7 years, the highest Trailing Annual Dividend Yield of Redwood Financial was 2.50%. The lowest was 0.75%. And the median was 1.47%.

Redwood Financial's Dividends per Share for the months ended in Dec. 2025 was $2.25.

During the past 12 months, Redwood Financial's average Dividends Per Share Growth Rate was 2.30% per year. During the past 3 years, the average Dividends Per Share Growth Rate was 2.30% per year. During the past 5 years, the average Dividends Per Share Growth Rate was 2.40% per year.

During the past 7 years, the highest 3-Year average Dividends Per Share Growth Rate of Redwood Financial was 11.90% per year. The lowest was 2.30% per year. And the median was 2.40% 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.

Redwood Financial (OTCPK:REDW) 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.

Redwood Financial Dividend Payout Ratio Related Terms

Redwood Financial Dividend Payout Ratio Historical Data

* Premium members only.

The historical data trend for Redwood Financial'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.

Redwood Financial Dividend Payout Ratio Chart

Redwood Financial Annual Data
Trend Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Dividend Payout Ratio
Get a 7-Day Free Trial 0.17 0.15 0.30 0.25 0.17

Redwood Financial Semi-Annual Data
Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Dividend Payout Ratio Get a 7-Day Free Trial 0.17 0.15 0.30 0.25 0.17

REDW vs FSEA, PBKX, FBSI: Dividend Payout Ratio Comparison

For the Banks - Regional subindustry, Redwood Financial'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.

Redwood Financial Dividend Payout Ratio vs Banks Industry

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

* The bar in red indicates where Redwood Financial's Dividend Payout Ratio falls into.


REDW
63GF Score
Redwood Financial Inc REDW
Dividend Payout Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Redwood Financial 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.

Redwood Financial'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 )
=2.25/ 13.12
=0.17

Redwood Financial's Dividend Payout Ratio for the quarter that ended in Dec. 2025 is calculated as

Dividend Payout Ratio=Dividends per Share (Q: Dec. 2025 )/ EPS without NRI (Q: Dec. 2025 )
=2.25/ 13.12
=0.17

* 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 0.17 mean?
Redwood Financial (REDW) has a Dividend Payout Ratio of 0.17 as of Dec. 2025. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Redwood Financial and its competitors. This is near median its historical median of 0.17. Over the past decade, Redwood Financial's Dividend Payout Ratio has ranged from 0.12 to 0.30. According to the industry distribution chart, Redwood Financial ranks #186 out of 1173 companies in the Banks industry, placing it in the top 15.9%.
Is Redwood Financial's Dividend Payout Ratio too high?
Redwood Financial's current Dividend Payout Ratio of 0.17 is near median its 10-year median of 0.17. Over the past 10 years, this metric has ranged from a low of 0.12 to a high of 0.30. The Banks industry median Dividend Payout Ratio is 0.32. Redwood Financial's value of 0.17 is 46.9% below this industry median. Based on the distribution chart, Redwood Financial ranks #186 out of 1173 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Redwood Financial has a GF Score™ of 63/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Redwood Financial's Dividend Payout Ratio compare to FSEA and PBKX?
According to the Banks industry distribution chart, Redwood Financial ranks #186 out of 1173 companies for Dividend Payout Ratio. This places Redwood Financial in the top 16% of its industry — outperforming the majority of peers. The industry median Dividend Payout Ratio is 0.32. Redwood Financial's value of 0.17 is 46.9% below this benchmark. Historically, Redwood Financial's own Dividend Payout Ratio has ranged from 0.12 to 0.30 over the past decade. While the company's 10-year median is 0.17 vs. the industry median of 0.32, Redwood Financial 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. Redwood Financial's current Dividend Payout Ratio of 0.17 is 46.9% 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 Redwood Financial 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. Redwood Financial's current Dividend Payout Ratio is 0.17, which is near median its own 10-year median of 0.17. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Redwood Financial stock overvalued right now?
Based on GuruFocus' analysis, Redwood Financial (REDW) is currently considered Fairly Valued. The stock's GF Value™ is $190.51, compared to a current price of $185.25 — trading 2.8% below its estimated fair value. The current Dividend Payout Ratio is 0.17, which is near median its 10-year median of 0.17 and 46.9% below the Banks industry median of 0.32. Redwood Financial's overall GF Score™ is 63/100 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 Redwood Financial (REDW), the current Dividend Payout Ratio is 0.17 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 Redwood Financial (REDW) Overvalued in 2026?

Based on GuruFocus' analysis, Redwood Financial stock appears to be undervalued. The current stock price of $185.25 is trading 2.8% below its estimated GF Value™ of $190.51. GuruFocus considers Redwood Financial to be Fairly Valued.

Key valuation signals for REDW:

  • Dividend Payout Ratio: 0.17 (near median its 10-year median of 0.17)
  • GF Value™: $190.51 vs. price of $185.25 (2.8% below fair value)
  • GF Score™: 63/100 with 3 warning signs
  • Industry Position: 46.9% below the Banks median (#186 of 1173)

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

Redwood Financial Business Description

Address 1000 E Cook Street, Redwood Falls, MN, USA, 56283
Redwood Financial Inc is a state-chartered bank. The Bank provides a variety of financial services to the areas of south central and south western Minnesota, and the south metropolitan area, including mortgage, commercial, agricultural, and consumer lending products and various deposit and savings plans.
63GF Score

Get the complete analysis for REDW

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

$185.25
Price
$190.51
GF Value