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Citizens Bancorp InvestmentCBTN 68 5-Year Yield-on-Cost % is 2.20 as of Jul. 31, 2026, which is 1% below its 10-year median of 2.22. GuruFocus rates CBTN with a GF Score™ of 68/100 and a GF Value™ of $35.77 (Fairly Valued). The stock has 5 warning signs investors should review. Among 1,251 Banks companies, Citizens Bancorp Investment ranks worse than 78.26% on this metric.
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.
Citizens Bancorp Investment 5-Year Yield-on-Cost % Related Terms
CBTN vs FOTB, PBNC, PSBQ: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, Citizens Bancorp Investment'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.
Citizens Bancorp Investment 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Citizens Bancorp Investment's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Citizens Bancorp Investment'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.
Citizens Bancorp Investment (CBTN) has a 5-Year Yield-on-Cost % of 2.20 as of Jul. 31, 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 Citizens Bancorp Investment and its competitors. This is near median its historical median of 2.22. Over the past decade, Citizens Bancorp Investment's 5-Year Yield-on-Cost % has ranged from 0.36 to 3.26. According to the industry distribution chart, Citizens Bancorp Investment ranks #979 out of 1251 companies in the Banks industry, placing it in the top 78.3%.
Is Citizens Bancorp Investment's 5-Year Yield-on-Cost % too high?
Citizens Bancorp Investment's current 5-Year Yield-on-Cost % of 2.20 is near median its 10-year median of 2.22. Over the past 10 years, this metric has ranged from a low of 0.36 to a high of 3.26. The Banks industry median 5-Year Yield-on-Cost % is 3.84. Citizens Bancorp Investment's value of 2.20 is 42.7% below this industry median. Based on the distribution chart, Citizens Bancorp Investment ranks #979 out of 1251 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Citizens Bancorp Investment has a GF Score™ of 68/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Citizens Bancorp Investment's 5-Year Yield-on-Cost % compare to FOTB and PBNC?
According to the Banks industry distribution chart, Citizens Bancorp Investment ranks #979 out of 1251 companies for 5-Year Yield-on-Cost %. This places Citizens Bancorp Investment in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.84. Citizens Bancorp Investment's value of 2.20 is 42.7% below this benchmark. Historically, Citizens Bancorp Investment's own 5-Year Yield-on-Cost % has ranged from 0.36 to 3.26 over the past decade. While the company's 10-year median is 2.22 vs. the industry median of 3.84, Citizens Bancorp Investment 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 3.84, 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. Citizens Bancorp Investment's current 5-Year Yield-on-Cost % of 2.20 is 42.7% 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 Citizens Bancorp Investment 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. Citizens Bancorp Investment's current 5-Year Yield-on-Cost % is 2.20, which is near median its own 10-year median of 2.22. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Citizens Bancorp Investment stock overvalued right now?
Based on GuruFocus' analysis, Citizens Bancorp Investment (CBTN) is currently considered Fairly Valued. The stock's GF Value™ is $35.77, compared to a current price of $35.50 — trading 0.8% below its estimated fair value. The current 5-Year Yield-on-Cost % is 2.20, which is near median its 10-year median of 2.22 and 42.7% below the Banks industry median of 3.84. Citizens Bancorp Investment's overall GF Score™ is 68/100 with 5 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 Citizens Bancorp Investment (CBTN), the current 5-Year Yield-on-Cost % is 2.20 as of Jul. 31, 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 Citizens Bancorp Investment (CBTN) Overvalued in 2026?
Based on GuruFocus' analysis, Citizens Bancorp Investment stock appears to be undervalued.
The current stock price of $35.50 is trading 0.8% below its estimated GF Value™ of $35.77.
GuruFocus considers Citizens Bancorp Investment to be Fairly Valued.
Key valuation signals for CBTN:
5-Year Yield-on-Cost %: 2.20 (near median its 10-year median of 2.22)
GF Value™: $35.77 vs. price of $35.50 (0.8% below fair value)
Industry Position: 42.7% below the Banks median (#979 of 1251)
No single metric tells the full story. See the CBTN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Citizens Bancorp Investment Inc is engaged in providing commercial banking services. The company offers traditional community banking products, including loans, mortgages, deposits, debit cards, and business cash management. It also provides services such as online and mobile banking, overdraft facilities, business banking solutions, and agricultural financing.
68GF Score
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