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Croghan BancsharesCHBH 57 5-Year Yield-on-Cost % is 4.09 as of Jul. 27, 2026, which is 3% above its 10-year median of 3.99. GuruFocus rates CHBH with a GF Score™ of 57/100 and a GF Value™ of $61.48 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,252 Banks companies, Croghan Bancshares ranks better than 53.91% on this metric.
Croghan Bancshares's yield on cost for the quarter that ended in Jun. 2026 was 4.09.
The historical rank and industry rank for Croghan Bancshares's 5-Year Yield-on-Cost % or its related term are showing as below:
CHBH'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.82 Med: 3.99 Max: 6.18
Current: 4.09
During the past 13 years, Croghan Bancshares's highest Yield on Cost was 6.18. The lowest was 2.82. And the median was 3.99.
CHBH's 5-Year Yield-on-Cost % is ranked better than 53.91% of 1252
companies
in the Banks industry
Industry Median: 3.875
vs CHBH: 4.09
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.
Croghan Bancshares 5-Year Yield-on-Cost % Related Terms
CHBH vs PNBK, LSBK, SFDL: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, Croghan Bancshares'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.
Croghan Bancshares 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Croghan Bancshares's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Croghan Bancshares'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.
Croghan Bancshares (CHBH) has a 5-Year Yield-on-Cost % of 4.09 as of Jul. 27, 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 Croghan Bancshares and its competitors. This is near median its historical median of 3.99. Over the past decade, Croghan Bancshares' 5-Year Yield-on-Cost % has ranged from 2.82 to 6.18. According to the industry distribution chart, Croghan Bancshares ranks #577 out of 1252 companies in the Banks industry, placing it in the top 46.1%.
Is Croghan Bancshares' 5-Year Yield-on-Cost % too high?
Croghan Bancshares' current 5-Year Yield-on-Cost % of 4.09 is near median its 10-year median of 3.99. Over the past 10 years, this metric has ranged from a low of 2.82 to a high of 6.18. The Banks industry median 5-Year Yield-on-Cost % is 3.88. Croghan Bancshares' value of 4.09 is 5.5% above this industry median. Based on the distribution chart, Croghan Bancshares ranks #577 out of 1252 companies in the Banks industry, which is above the industry midpoint. Overall, Croghan Bancshares has a GF Score™ of 57/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Croghan Bancshares' 5-Year Yield-on-Cost % compare to PNBK and LSBK?
According to the Banks industry distribution chart, Croghan Bancshares ranks #577 out of 1252 companies for 5-Year Yield-on-Cost %. This puts Croghan Bancshares in the upper half of its industry. The industry median 5-Year Yield-on-Cost % is 3.88. Croghan Bancshares' value of 4.09 is 5.5% above this benchmark. Historically, Croghan Bancshares' own 5-Year Yield-on-Cost % has ranged from 2.82 to 6.18 over the past decade. While the company's 10-year median is 3.99 vs. the industry median of 3.88, Croghan Bancshares 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 1,252 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. Croghan Bancshares's current 5-Year Yield-on-Cost % of 4.09 is 5.5% 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 Croghan Bancshares 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. Croghan Bancshares's current 5-Year Yield-on-Cost % is 4.09, which is near median its own 10-year median of 3.99. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Croghan Bancshares stock overvalued right now?
Based on GuruFocus' analysis, Croghan Bancshares (CHBH) is currently considered Fairly Valued. The stock's GF Value™ is $61.48, compared to a current price of $66.00 — trading 7.4% above its estimated fair value. The current 5-Year Yield-on-Cost % is 4.09, which is near median its 10-year median of 3.99 and 5.5% above the Banks industry median of 3.88. Croghan Bancshares' overall GF Score™ is 57/100 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 Croghan Bancshares (CHBH), the current 5-Year Yield-on-Cost % is 4.09 as of Jul. 27, 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 Croghan Bancshares (CHBH) Overvalued in 2026?
Based on GuruFocus' analysis, Croghan Bancshares stock appears to be overvalued.
The current stock price of $66.00 is trading 7.4% above its estimated GF Value™ of $61.48.
GuruFocus considers Croghan Bancshares to be Fairly Valued.
Key valuation signals for CHBH:
5-Year Yield-on-Cost %: 4.09 (near median its 10-year median of 3.99)
GF Value™: $61.48 vs. price of $66.00 (7.4% above fair value)
Industry Position: 5.5% above the Banks median (#577 of 1252)
No single metric tells the full story. See the CHBH stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Croghan Bancshares Inc is a financial holding company. The bank offers a diverse range of commercial and retail banking services through its banking centers located in Bellevue, Clyde, Curtice, Fremont, Green Springs, Monroeville, Norwalk, Maumee, Milan, Oak Harbor, Oregon, Port Clinton, and Tiffin, Ohio. Its products are comprised of traditional banking services such as consumer, commercial, agricultural and real estate loans, personal and business checking accounts, savings accounts, time deposit accounts, safe deposit box services, and trust department services. The company operates in one industry segment, the commercial banking industry.
57GF Score
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