WOBK (Woodsboro Bk MD) Dividend Payout Ratio: 0.04 (As of Dec. 2025) — 33% Above Median


WOBK Woodsboro Bk MD WOBK
57 GF Score
Price $85.00
GF Value $64.87
Valuation Significantly Overvalued
! 4 Warning Signs
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What is Woodsboro Bk MD Dividend Payout Ratio?

Woodsboro Bk MD WOBK +3.66% 57 Dividend Payout Ratio is 0.04 as of Dec. 2025, which is 33% above its 10-year median of 0.03. GuruFocus rates WOBK with a GF Score™ of 57/100 and a GF Value™ of $64.87 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 1,172 Banks companies, Woodsboro Bk MD ranks better than 98.29% 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. Woodsboro Bk MD's Dividend Payout Ratio for the months ended in Dec. 2025 was 0.04.

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

WOBK' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.02   Med: 0.03   Max: 0.05
Current: 0.04

During the past 7 years, the highest Dividend Payout Ratio of Woodsboro Bk MD was 0.05. The lowest was 0.02. And the median was 0.03.

WOBK's Dividend Payout Ratio is ranked better than
98.29% of 1172 companies
in the Banks industry
Industry Median: 0.32 vs WOBK: 0.04

As of today (2026-06-29), the Dividend Yield % of Woodsboro Bk MD is 0.57%.

During the past 7 years, the highest Trailing Annual Dividend Yield of Woodsboro Bk MD was 0.63%. The lowest was 0.31%. And the median was 0.38%.

Woodsboro Bk MD's Dividends per Share for the months ended in Dec. 2025 was $0.41.

During the past 12 months, Woodsboro Bk MD's average Dividends Per Share Growth Rate was 36.70% per year. During the past 3 years, the average Dividends Per Share Growth Rate was 36.80% per year. During the past 5 years, the average Dividends Per Share Growth Rate was 22.10% per year.

During the past 7 years, the highest 3-Year average Dividends Per Share Growth Rate of Woodsboro Bk MD was 36.80% per year. The lowest was 14.50% per year. And the median was 23.30% 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.

Woodsboro Bk MD (OTCPK:WOBK) 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.

Woodsboro Bk MD Dividend Payout Ratio Related Terms

Woodsboro Bk MD Dividend Payout Ratio Historical Data

* Premium members only.

The historical data trend for Woodsboro Bk MD'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.

Woodsboro Bk MD Dividend Payout Ratio Chart

Woodsboro Bk MD Annual Data
Trend Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Dividend Payout Ratio
Get a 7-Day Free Trial 0.03 0.02 0.03 0.03 0.04

Woodsboro Bk MD Semi-Annual Data
Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Dividend Payout Ratio Get a 7-Day Free Trial 0.03 0.02 0.03 0.03 0.04

WOBK vs FBPA, RBNK, JFWV: Dividend Payout Ratio Comparison

For the Banks - Regional subindustry, Woodsboro Bk MD'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.

Woodsboro Bk MD Dividend Payout Ratio vs Banks Industry

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

* The bar in red indicates where Woodsboro Bk MD's Dividend Payout Ratio falls into.


WOBK
57GF Score
Woodsboro Bk MD WOBK
Dividend Payout Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Woodsboro Bk MD 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.

Woodsboro Bk MD'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 )
=0.41/ 11.08
=0.04

Woodsboro Bk MD'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 )
=0.41/ 11.08
=0.04

* 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 0.04 mean?
Woodsboro Bk MD (WOBK) has a Dividend Payout Ratio of 0.04 as of Dec. 2025. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Woodsboro Bk MD and its competitors. This is 33% above median its historical median of 0.03. Over the past decade, Woodsboro Bk MD's Dividend Payout Ratio has ranged from 0.02 to 0.05. According to the industry distribution chart, Woodsboro Bk MD ranks #20 out of 1172 companies in the Banks industry, placing it in the top 1.7%.
Is Woodsboro Bk MD's Dividend Payout Ratio too high?
Woodsboro Bk MD's current Dividend Payout Ratio of 0.04 is 33% above median its 10-year median of 0.03. Over the past 10 years, this metric has ranged from a low of 0.02 to a high of 0.05. The Banks industry median Dividend Payout Ratio is 0.32. Woodsboro Bk MD's value of 0.04 is 87.5% below this industry median. Based on the distribution chart, Woodsboro Bk MD ranks #20 out of 1172 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Woodsboro Bk MD has a GF Score™ of 57/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Woodsboro Bk MD's Dividend Payout Ratio compare to FBPA and RBNK?
According to the Banks industry distribution chart, Woodsboro Bk MD ranks #20 out of 1172 companies for Dividend Payout Ratio. This places Woodsboro Bk MD in the top 2% of its industry — outperforming the majority of peers. The industry median Dividend Payout Ratio is 0.32. Woodsboro Bk MD's value of 0.04 is 87.5% below this benchmark. Historically, Woodsboro Bk MD's own Dividend Payout Ratio has ranged from 0.02 to 0.05 over the past decade. While the company's 10-year median is 0.03 vs. the industry median of 0.32, Woodsboro Bk MD 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 1,172 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. Woodsboro Bk MD's current Dividend Payout Ratio of 0.04 is 87.5% 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 Woodsboro Bk MD 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. Woodsboro Bk MD's current Dividend Payout Ratio is 0.04, which is 33% above median its own 10-year median of 0.03. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Woodsboro Bk MD stock overvalued right now?
Based on GuruFocus' analysis, Woodsboro Bk MD (WOBK) is currently considered Significantly Overvalued. The stock's GF Value™ is $64.87, compared to a current price of $85.00 — trading 31% above its estimated fair value. The current Dividend Payout Ratio is 0.04, which is 33% above median its 10-year median of 0.03 and 87.5% below the Banks industry median of 0.32. Woodsboro Bk MD's overall GF Score™ is 57/100 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 Woodsboro Bk MD (WOBK), the current Dividend Payout Ratio is 0.04 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 Woodsboro Bk MD (WOBK) Overvalued in 2026?

Based on GuruFocus' analysis, Woodsboro Bk MD stock appears to be overvalued. The current stock price of $85.00 is trading 31% above its estimated GF Value™ of $64.87. GuruFocus considers Woodsboro Bk MD to be Significantly Overvalued.

Key valuation signals for WOBK:

  • Dividend Payout Ratio: 0.04 (33% above median its 10-year median of 0.03)
  • GF Value™: $64.87 vs. price of $85.00 (31% above fair value)
  • GF Score™: 57/100 with 4 warning signs
  • Industry Position: 87.5% below the Banks median (#20 of 1172)

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

Woodsboro Bk MD Business Description

Address 5 North Main Street, Woodsboro, MD, USA, 21798
Woodsboro Bk MD provides a variety of financial services to individuals and corporate customers in its principal market area of Frederick County, Maryland through its five offices in Woodsboro, Frederick, and Thurmont, Maryland. The Bank's loans are categorized into seven segments: commercial real estate, residential real estate, multifamily real estate, real estate construction, other construction and land development, commercial and consumer loans.
57GF Score

Get the complete analysis for WOBK

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

$85.00
Price
$64.87
GF Value