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Oak Ridge Financial ServicesBKOR 61 5-Year Yield-on-Cost % is 4.25 as of Jul. 29, 2026, which is 6% above its 10-year median of 4.01. GuruFocus rates BKOR with a GF Scoreâ„¢ of 61/100 and a GF Valueâ„¢ of $22.48 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 1,251 Banks companies, Oak Ridge Financial Services ranks better than 57.23% on this metric.
The historical rank and industry rank for Oak Ridge Financial Services's 5-Year Yield-on-Cost % or its related term are showing as below:
BKOR'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.86 Med: 4.01 Max: 5.31
Current: 4.25
During the past 13 years, Oak Ridge Financial Services's highest Yield on Cost was 5.31. The lowest was 2.86. And the median was 4.01.
BKOR's 5-Year Yield-on-Cost % is ranked better than 57.23% of 1251
companies
in the Banks industry
Industry Median: 3.84
vs BKOR: 4.25
Oak Ridge Financial Services (OTCPK:BKOR) 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.
Oak Ridge Financial Services 5-Year Yield-on-Cost % Related Terms
BKOR vs SLRK, MCBK, ORPB: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, Oak Ridge Financial Services'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.
Oak Ridge Financial Services 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Oak Ridge Financial Services's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Oak Ridge Financial Services's 5-Year Yield-on-Cost % falls into.
Oak Ridge Financial Services 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.
Oak Ridge Financial Services (BKOR) has a 5-Year Yield-on-Cost % of 4.25 as of Jul. 29, 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 Oak Ridge Financial Services and its competitors. This is near median its historical median of 4.01. Over the past decade, Oak Ridge Financial Services' 5-Year Yield-on-Cost % has ranged from 2.86 to 5.31. According to the industry distribution chart, Oak Ridge Financial Services ranks #535 out of 1251 companies in the Banks industry, placing it in the top 42.8%.
Is Oak Ridge Financial Services' 5-Year Yield-on-Cost % too high?
Oak Ridge Financial Services' current 5-Year Yield-on-Cost % of 4.25 is near median its 10-year median of 4.01. Over the past 10 years, this metric has ranged from a low of 2.86 to a high of 5.31. The Banks industry median 5-Year Yield-on-Cost % is 3.84. Oak Ridge Financial Services' value of 4.25 is 10.7% above this industry median. Based on the distribution chart, Oak Ridge Financial Services ranks #535 out of 1251 companies in the Banks industry, which is above the industry midpoint. Overall, Oak Ridge Financial Services has a GF Scoreâ„¢ of 61/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Oak Ridge Financial Services' 5-Year Yield-on-Cost % compare to SLRK and MCBK?
According to the Banks industry distribution chart, Oak Ridge Financial Services ranks #535 out of 1251 companies for 5-Year Yield-on-Cost %. This puts Oak Ridge Financial Services in the upper half of its industry. The industry median 5-Year Yield-on-Cost % is 3.84. Oak Ridge Financial Services' value of 4.25 is 10.7% above this benchmark. Historically, Oak Ridge Financial Services' own 5-Year Yield-on-Cost % has ranged from 2.86 to 5.31 over the past decade. While the company's 10-year median is 4.01 vs. the industry median of 3.84, Oak Ridge Financial Services 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 3.84, based on 1,251 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. Oak Ridge Financial Services's current 5-Year Yield-on-Cost % of 4.25 is 10.7% 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 Oak Ridge Financial Services and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.84 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Oak Ridge Financial Services's current 5-Year Yield-on-Cost % is 4.25, which is near median its own 10-year median of 4.01. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Oak Ridge Financial Services stock overvalued right now?
Based on GuruFocus' analysis, Oak Ridge Financial Services (BKOR) is currently considered Significantly Overvalued. The stock's GF Value™ is $22.48, compared to a current price of $31.50 — trading 40.1% above its estimated fair value. The current 5-Year Yield-on-Cost % is 4.25, which is near median its 10-year median of 4.01 and 10.7% above the Banks industry median of 3.84. Oak Ridge Financial Services' 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 Oak Ridge Financial Services (BKOR), the current 5-Year Yield-on-Cost % is 4.25 as of Jul. 29, 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 Oak Ridge Financial Services (BKOR) Overvalued in 2026?
Based on GuruFocus' analysis, Oak Ridge Financial Services stock appears to be overvalued.
The current stock price of $31.50 is trading 40.1% above its estimated GF Value™ of $22.48.
GuruFocus considers Oak Ridge Financial Services to be Significantly Overvalued.
Key valuation signals for BKOR:
5-Year Yield-on-Cost %: 4.25 (near median its 10-year median of 4.01)
GF Value™: $22.48 vs. price of $31.50 (40.1% above fair value)
Industry Position: 10.7% above the Banks median (#535 of 1251)
No single metric tells the full story. See the BKOR stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Oak Ridge Financial Services Inc is a bank holding company. Along with its banking subsidiary, it offers financial services such as accepting a full range of deposit products and originating commercial and consumer loans, providing online banking services, etc., through its branch network located in Guilford County, North Carolina.
61GF Score
Get the complete analysis for BKOR
5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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