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.
Baker Boyer BancorpBBBK 64 5-Year Yield-on-Cost % is 2.65 as of Aug. 03, 2026, which is 3% above its 10-year median of 2.57. GuruFocus rates BBBK with a GF Score™ of 64/100 and a GF Value™ of $45.28 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,252 Banks companies, Baker Boyer Bancorp ranks worse than 70.85% on this metric.
Baker Boyer Bancorp's yield on cost for the quarter that ended in Jun. 2026 was 2.65.
The historical rank and industry rank for Baker Boyer Bancorp's 5-Year Yield-on-Cost % or its related term are showing as below:
BBBK'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.95 Med: 2.57 Max: 3.81
Current: 2.65
During the past 13 years, Baker Boyer Bancorp's highest Yield on Cost was 3.81. The lowest was 1.95. And the median was 2.57.
BBBK's 5-Year Yield-on-Cost % is ranked worse than 70.85% of 1252
companies
in the Banks industry
Industry Median: 3.825
vs BBBK: 2.65
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.
Baker Boyer Bancorp 5-Year Yield-on-Cost % Related Terms
BBBK vs CIBH, NIDB, INFT: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, Baker Boyer Bancorp'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.
Baker Boyer Bancorp 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Baker Boyer Bancorp's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Baker Boyer Bancorp's 5-Year Yield-on-Cost % falls into.
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.
Baker Boyer Bancorp (BBBK) has a 5-Year Yield-on-Cost % of 2.65 as of Aug. 03, 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 Baker Boyer Bancorp and its competitors. This is near median its historical median of 2.57. Over the past decade, Baker Boyer Bancorp's 5-Year Yield-on-Cost % has ranged from 1.95 to 3.81. According to the industry distribution chart, Baker Boyer Bancorp ranks #887 out of 1252 companies in the Banks industry, placing it in the top 70.8%.
Is Baker Boyer Bancorp's 5-Year Yield-on-Cost % too high?
Baker Boyer Bancorp's current 5-Year Yield-on-Cost % of 2.65 is near median its 10-year median of 2.57. Over the past 10 years, this metric has ranged from a low of 1.95 to a high of 3.81. The Banks industry median 5-Year Yield-on-Cost % is 3.83. Baker Boyer Bancorp's value of 2.65 is 30.7% below this industry median. Based on the distribution chart, Baker Boyer Bancorp ranks #887 out of 1252 companies in the Banks industry, which is below the industry midpoint. Overall, Baker Boyer Bancorp has a GF Score™ of 64/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Baker Boyer Bancorp's 5-Year Yield-on-Cost % compare to CIBH and NIDB?
According to the Banks industry distribution chart, Baker Boyer Bancorp ranks #887 out of 1252 companies for 5-Year Yield-on-Cost %. This places Baker Boyer Bancorp in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.83. Baker Boyer Bancorp's value of 2.65 is 30.7% below this benchmark. Historically, Baker Boyer Bancorp's own 5-Year Yield-on-Cost % has ranged from 1.95 to 3.81 over the past decade. While the company's 10-year median is 2.57 vs. the industry median of 3.83, Baker Boyer Bancorp 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.83, based on 1,252 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. Baker Boyer Bancorp's current 5-Year Yield-on-Cost % of 2.65 is 30.7% 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 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 Baker Boyer Bancorp and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.83 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Baker Boyer Bancorp's current 5-Year Yield-on-Cost % is 2.65, which is near median its own 10-year median of 2.57. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Baker Boyer Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Baker Boyer Bancorp (BBBK) is currently considered Fairly Valued. The stock's GF Value™ is $45.28, compared to a current price of $42.99 — trading 5.1% below its estimated fair value. The current 5-Year Yield-on-Cost % is 2.65, which is near median its 10-year median of 2.57 and 30.7% below the Banks industry median of 3.83. Baker Boyer Bancorp's overall GF Score™ is 64/100 with 3 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 Baker Boyer Bancorp (BBBK), the current 5-Year Yield-on-Cost % is 2.65 as of Aug. 03, 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 Baker Boyer Bancorp (BBBK) Overvalued in 2026?
Based on GuruFocus' analysis, Baker Boyer Bancorp stock appears to be undervalued.
The current stock price of $42.99 is trading 5.1% below its estimated GF Value™ of $45.28.
GuruFocus considers Baker Boyer Bancorp to be Fairly Valued.
Key valuation signals for BBBK:
5-Year Yield-on-Cost %: 2.65 (near median its 10-year median of 2.57)
GF Value™: $45.28 vs. price of $42.99 (5.1% below fair value)
Industry Position: 30.7% below the Banks median (#887 of 1252)
No single metric tells the full story. See the BBBK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Baker Boyer Bancorp and its wholly-owned subsidiary provide banking services predominantly to the greater Walla Walla, Columbia Valley, and Yakima area of south eastern Washington and north eastern Oregon. The company offers its services to individuals, small businesses, and the agricultural industry. The primary sources of revenue for the company are loans, investment securities, and wealth management services.
64GF Score
Get the complete analysis for BBBK
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
BBBK has been successfully added to your 
