Woodlands Financial Services CoWDFN -3.03%57 Dividend Payout Ratio is 0.24 as of Mar. 2026, which is 27% below its 10-year median of 0.33. GuruFocus rates WDFN with a GF Score™ of 57/100 and a GF Value™ of $24.91 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,168 Banks companies, Woodlands Financial Services Co ranks better than 60.53% 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. Woodlands Financial Services Co's Dividend Payout Ratio for the
months ended in Mar. 2026 was 0.24.
The historical rank and industry rank for Woodlands Financial Services Co's Dividend Payout Ratio or its related term are showing as below:
WDFN'
s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.28 Med: 0.33 Max: 0.52
Current: 0.28
During the past 13 years, the highest Dividend Payout Ratio of Woodlands Financial Services Co was 0.52. The lowest was 0.28. And the median was 0.33.
WDFN's Dividend Payout Ratio is ranked better than 60.53% of 1168
companies
in the Banks industry
Industry Median: 0.32
vs WDFN: 0.28
During the past 13 years, the highest Trailing Annual Dividend Yield of Woodlands Financial Services Co was 7.01%. The lowest was 0.90%. And the median was 3.36%.
During the past 3 years, the average Dividends Per Share Growth Rate was 1.80% per year.
During the past 5 years, the average Dividends Per Share Growth Rate was 2.50% per year.
During the past 10 years, the average Dividends Per Share Growth Rate was 5.10% per year.
During the past 13 years, the highest 3-Year average Dividends Per Share Growth Rate of Woodlands Financial Services Co was 25.70% per year. The lowest was 1.80% per year. And the median was 4.20% 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.
Woodlands Financial Services Co (OTCPK:WDFN) 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.
Woodlands Financial Services Co Dividend Payout Ratio Related Terms
Woodlands Financial Services Co Dividend Payout Ratio Historical Data
* 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.
Woodlands Financial Services Co Dividend Payout Ratio Chart
WDFN vs ESBS, SOUB, QNTO: Dividend Payout Ratio Comparison
For the Banks - Regional subindustry, Woodlands Financial Services 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.
Woodlands Financial Services Co Dividend Payout Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Woodlands Financial Services Co's Dividend Payout Ratio distribution charts can be found below:
* The bar in red indicates where Woodlands Financial Services Co's Dividend Payout Ratio falls into.
Woodlands Financial Services 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.
* 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.
Woodlands Financial Services Co (WDFN) has a Dividend Payout Ratio of 0.24 as of Mar. 2026. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Woodlands Financial Services Co and its competitors. This is 27% below median its historical median of 0.33. Over the past decade, Woodlands Financial Services Co's Dividend Payout Ratio has ranged from 0.28 to 0.52. According to the industry distribution chart, Woodlands Financial Services Co ranks #461 out of 1168 companies in the Banks industry, placing it in the top 39.5%.
Is Woodlands Financial Services Co's Dividend Payout Ratio too high?
Woodlands Financial Services Co's current Dividend Payout Ratio of 0.24 is 27% below median its 10-year median of 0.33. Over the past 10 years, this metric has ranged from a low of 0.28 to a high of 0.52. The Banks industry median Dividend Payout Ratio is 0.32. Woodlands Financial Services Co's value of 0.24 is 25% below this industry median. Based on the distribution chart, Woodlands Financial Services Co ranks #461 out of 1168 companies in the Banks industry, which is above the industry midpoint. Overall, Woodlands Financial Services Co has a GF Score™ of 57/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Woodlands Financial Services Co's Dividend Payout Ratio compare to ESBS and SOUB?
According to the Banks industry distribution chart, Woodlands Financial Services Co ranks #461 out of 1168 companies for Dividend Payout Ratio. This puts Woodlands Financial Services Co in the upper half of its industry. The industry median Dividend Payout Ratio is 0.32. Woodlands Financial Services Co's value of 0.24 is 25% below this benchmark. Historically, Woodlands Financial Services Co's own Dividend Payout Ratio has ranged from 0.28 to 0.52 over the past decade. While the company's 10-year median is 0.33 vs. the industry median of 0.32, Woodlands Financial Services Co 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 1,168 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. Woodlands Financial Services Co'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 Woodlands Financial Services 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. Woodlands Financial Services Co's current Dividend Payout Ratio is 0.24, which is 27% below median its own 10-year median of 0.33. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Woodlands Financial Services Co stock overvalued right now?
Based on GuruFocus' analysis, Woodlands Financial Services Co (WDFN) is currently considered Modestly Overvalued. The stock's GF Value™ is $24.91, compared to a current price of $32.00 — trading 28.5% above its estimated fair value. The current Dividend Payout Ratio is 0.24, which is 27% below median its 10-year median of 0.33 and 25% below the Banks industry median of 0.32. Woodlands Financial Services Co's overall GF Score™ is 57/100 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 Woodlands Financial Services Co (WDFN), the current Dividend Payout Ratio is 0.24 as of Mar. 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 Woodlands Financial Services Co (WDFN) Overvalued in 2026?
Based on GuruFocus' analysis, Woodlands Financial Services Co stock appears to be overvalued.
The current stock price of $32.00 is trading 28.5% above its estimated GF Value™ of $24.91.
GuruFocus considers Woodlands Financial Services Co to be Modestly Overvalued.
Key valuation signals for WDFN:
Dividend Payout Ratio: 0.24 (27% below median its 10-year median of 0.33)
GF Value™: $24.91 vs. price of $32.00 (28.5% above fair value)
Industry Position: 25% below the Banks median (#461 of 1168)
No single metric tells the full story. See the WDFN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Woodlands Financial Services Co Business Description
Woodlands Financial Services Co is a Pennsylvania corporation organized as financial services holding company of Woodlands Bank. The Bank is a state chartered commercial bank located in Williamsport, Pennsylvania and operates as a traditional community bank, providing commercial and consumer banking and trust services in Lycoming and Clinton Counties and the surrounding market area. Its services comprise Merchant Services, Cyber Security, Online Banking & Bill Pay, Mobile Banking and Additional Bank Services. The Company has determined that its only reportable segment is community banking. It also offers other services including trust and asset management and money orders.
57GF Score
Get the complete analysis for WDFN
Dividend Payout Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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