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.
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.
Abu Dhabi Commercial BankADX:ADCB +0.14%61 5-Year Yield-on-Cost % is 7.84 as of Jul. 16, 2026, which is 17% below its 10-year median of 9.46. GuruFocus rates ADX:ADCB with a GF Score™ of 61/100 and a GF Value™ of د.إ13.59 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,255 Banks companies, Abu Dhabi Commercial Bank ranks better than 82.39% on this metric.
The historical rank and industry rank for Abu Dhabi Commercial Bank's 5-Year Yield-on-Cost % or its related term are showing as below:
ADX:ADCB'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 3.53 Med: 9.46 Max: 16.94
Current: 7.84
During the past 13 years, Abu Dhabi Commercial Bank's highest Yield on Cost was 16.94. The lowest was 3.53. And the median was 9.46.
ADX:ADCB's 5-Year Yield-on-Cost % is ranked better than 82.39% of 1255
companies
in the Banks industry
Industry Median: 3.88
vs ADX:ADCB: 7.84
Abu Dhabi Commercial Bank (ADX:ADCB) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Abu Dhabi Commercial Bank 5-Year Yield-on-Cost % Related Terms
Abu Dhabi Commercial Bank 5-Year Yield-on-Cost % Competitor Comparison
For the Banks - Regional subindustry, Abu Dhabi Commercial Bank's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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.
Abu Dhabi Commercial Bank 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Abu Dhabi Commercial Bank's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Abu Dhabi Commercial Bank's 5-Year Yield-on-Cost % falls into.
Abu Dhabi Commercial Bank 5-Year Yield-on-Cost % Calculation
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Abu Dhabi Commercial Bank (ADX:ADCB) has a 5-Year Yield-on-Cost % of 7.84 as of Jul. 16, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Abu Dhabi Commercial Bank and its competitors. This is 17% below median its historical median of 9.46. Over the past decade, Abu Dhabi Commercial Bank's 5-Year Yield-on-Cost % has ranged from 3.53 to 16.94. According to the industry distribution chart, Abu Dhabi Commercial Bank ranks #221 out of 1255 companies in the Banks industry, placing it in the top 17.6%.
Is Abu Dhabi Commercial Bank's 5-Year Yield-on-Cost % too high?
Abu Dhabi Commercial Bank's current 5-Year Yield-on-Cost % of 7.84 is 17% below median its 10-year median of 9.46. Over the past 10 years, this metric has ranged from a low of 3.53 to a high of 16.94. The Banks industry median 5-Year Yield-on-Cost % is 3.88. Abu Dhabi Commercial Bank's value of 7.84 is 102.1% above this industry median. Based on the distribution chart, Abu Dhabi Commercial Bank ranks #221 out of 1255 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Abu Dhabi Commercial Bank has a GF Score™ of 61/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Abu Dhabi Commercial Bank's 5-Year Yield-on-Cost % compare to competitors?
According to the Banks industry distribution chart, Abu Dhabi Commercial Bank ranks #221 out of 1255 companies for 5-Year Yield-on-Cost %. This places Abu Dhabi Commercial Bank in the top 18% of its industry — outperforming the majority of peers. The industry median 5-Year Yield-on-Cost % is 3.88. Abu Dhabi Commercial Bank's value of 7.84 is 102.1% above this benchmark. Historically, Abu Dhabi Commercial Bank's own 5-Year Yield-on-Cost % has ranged from 3.53 to 16.94 over the past decade. While the company's 10-year median is 9.46 vs. the industry median of 3.88, Abu Dhabi Commercial Bank has consistently been above 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.88, based on 1,255 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Abu Dhabi Commercial Bank's current 5-Year Yield-on-Cost % of 7.84 is 102.1% above 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Abu Dhabi Commercial Bank and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Abu Dhabi Commercial Bank's current 5-Year Yield-on-Cost % is 7.84, which is 17% below median its own 10-year median of 9.46. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Abu Dhabi Commercial Bank stock overvalued right now?
Based on GuruFocus' analysis, Abu Dhabi Commercial Bank (ADX:ADCB) is currently considered Fairly Valued. The stock's GF Value™ is د.إ13.59, compared to a current price of د.إ14.50 — trading 6.7% above its estimated fair value. The current 5-Year Yield-on-Cost % is 7.84, which is 17% below median its 10-year median of 9.46 and 102.1% above the Banks industry median of 3.88. Abu Dhabi Commercial Bank'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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Abu Dhabi Commercial Bank (ADX:ADCB), the current 5-Year Yield-on-Cost % is 7.84 as of Jul. 16, 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 Abu Dhabi Commercial Bank (ADX:ADCB) Overvalued in 2026?
Based on GuruFocus' analysis, Abu Dhabi Commercial Bank stock appears to be overvalued.
The current stock price of د.إ14.50 is trading 6.7% above its estimated GF Value™ of د.إ13.59.
GuruFocus considers Abu Dhabi Commercial Bank to be Fairly Valued.
Key valuation signals for ADX:ADCB:
5-Year Yield-on-Cost %: 7.84 (17% below median its 10-year median of 9.46)
GF Value™: د.إ13.59 vs. price of د.إ14.50 (6.7% above fair value)
Industry Position: 102.1% above the Banks median (#221 of 1255)
No single metric tells the full story. See the ADX:ADCB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Abu Dhabi Commercial Bank is principally engaged in the business of retail, commercial and Islamic banking, and provision of other financial services. Its segments include Retail banking, Private banking, Corporate and investment banking, Investments and treasury, and Others. The majority of the revenue is derived from Corporate and investment banking segment that comprises of business banking, cash management, trade finance, corporate finance, small and medium enterprise financing, investment banking, Islamic financing, infrastructure and asset finance, government and public enterprises. It includes loans, deposits and other transactions and balances with corporate customers.
61GF Score
Get the complete analysis for ADX:ADCB
5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
ADX:ADCB has been successfully added to your 
