WOBK (Woodsboro Bk MD) Total Payout Ratio: 0.05 (As of Aug. 10, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

WOBK Woodsboro Bk MD WOBK
61 GF Score
Price $86.60
GF Value $65.68
Valuation Significantly Overvalued
! 4 Warning Signs
View Full Analysis

What is Woodsboro Bk MD Total Payout Ratio?

Woodsboro Bk MD WOBK -0.17% 61 Total Payout Ratio is 0.05 as of Aug. 10, 2026. GuruFocus rates WOBK with a GF Score™ of 61/100 and a GF Value™ of $65.68 (Significantly Overvalued). The stock has 4 warning signs investors should review.

Total Payout Ratio is the percent a company has paid to its shareholders through net repurchase of shares and dividends based on its Net Income.

Woodsboro Bk MD's current Total Payout Ratio is 0.05.


Woodsboro Bk MD Total Payout Ratio Related Terms


Woodsboro Bk MD Total Payout Ratio Historical Data

* Premium members only.

The historical data trend for Woodsboro Bk MD's Total 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 Total Payout Ratio Chart

Woodsboro Bk MD Annual Data
Trend Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Total Payout Ratio
Get a 7-Day Free Trial 0.05 0.08 0.07 0.04 0.05

Woodsboro Bk MD Semi-Annual Data
Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Total Payout Ratio Get a 7-Day Free Trial 0.05 0.08 0.07 0.04 0.05

WOBK vs FPBC, GBNY, PWBK: Total Payout Ratio Comparison

For the Banks - Regional subindustry, Woodsboro Bk MD's Total Payout Ratio, along with its competitors' market caps and Total 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 Total Payout Ratio vs Banks Industry

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

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


WOBK
61GF Score
Woodsboro Bk MD WOBK
Total Payout Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Woodsboro Bk MD Total Payout Ratio Calculation

Total Payout Ratio is a measurement showing the proportion of earnings a company pays shareholders in the form of dividends and net stock repurchases.

Woodsboro Bk MD's Total Payout Ratio for the fiscal year that ended in Dec. 2025 is calculated as

Total Payout Ratio=- (Repurchase of Stock + Issuance of Stock + Cash Flow for Dividends) / Net Income
=- (0 + -0.039 + -0.163) / 4.394
=0.05

Woodsboro Bk MD's Total Payout Ratio for the quarter that ended in Dec. 2025 is calculated as

Total Payout Ratio=- (Repurchase of Stock + Issuance of Stock + Cash Flow for Dividends) / Net Income
=- (0 + -0.039 + -0.163) / 4.394
=0.05

* 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 Total Payout Ratio →
What does a Total Payout Ratio of 0.05 mean?
Woodsboro Bk MD (WOBK) has a Total Payout Ratio of 0.05 as of Aug. 10, 2026. Total Payout Ratio is the percent a company has paid to its shareholders through net repurchase of shares and dividends based on its Net Income. View historical data on Woodsboro Bk MD and its competitors.
Is Woodsboro Bk MD's Total Payout Ratio too high?
Woodsboro Bk MD's current Total Payout Ratio is 0.05. Overall, Woodsboro Bk MD has a GF Score™ of 61/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Woodsboro Bk MD's Total Payout Ratio compare to FPBC and GBNY?
Woodsboro Bk MD's Total Payout Ratio of 0.05 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Total Payout Ratio for a Banks company?
A good Total Payout Ratio depends on the Banks industry context. However, Total Payout Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Total Payout Ratio mean?
A high Total Payout Ratio can signal that a stock is expensive relative to its fundamentals. Total Payout Ratio is the percent a company has paid to its shareholders through net repurchase of shares and dividends based on its Net Income. View historical data on Woodsboro Bk MD and its competitors. Woodsboro Bk MD's current Total Payout Ratio is 0.05. 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 $65.68, compared to a current price of $86.60 — trading 31.9% above its estimated fair value. The current Total Payout Ratio is 0.05. Woodsboro Bk MD's overall GF Score™ is 61/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Total Payout Ratio calculated?
Total Payout Ratio is calculated from a company's financial statements. For Woodsboro Bk MD (WOBK), the current Total Payout Ratio is 0.05 as of Aug. 10, 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 Woodsboro Bk MD (WOBK) Overvalued in 2026?

Based on GuruFocus' analysis, Woodsboro Bk MD stock appears to be overvalued. The current stock price of $86.60 is trading 31.9% above its estimated GF Value™ of $65.68. GuruFocus considers Woodsboro Bk MD to be Significantly Overvalued.

Key valuation signals for WOBK:

  • Total Payout Ratio: 0.05
  • GF Value™: $65.68 vs. price of $86.60 (31.9% above fair value)
  • GF Score™: 61/100 with 4 warning signs

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.
61GF Score

Get the complete analysis for WOBK

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

$86.60
Price
$65.68
GF Value