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Secure Trust BankCHIX:STBL -0.80%54 5-Year Yield-on-Cost % is 2.36 as of Jul. 14, 2026, which is 56% below its 10-year median of 5.35. GuruFocus rates CHIX:STBL with a GF Score™ of 54/100 and a GF Value™ of £6.90 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,257 Banks companies, Secure Trust Bank ranks worse than 76.13% on this metric.
Secure Trust Bank's yield on cost for the quarter that ended in Dec. 2025 was 2.36.
The historical rank and industry rank for Secure Trust Bank's 5-Year Yield-on-Cost % or its related term are showing as below:
CHIX:STBl'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.25 Med: 5.35 Max: 14.84
Current: 2.36
During the past 13 years, Secure Trust Bank's highest Yield on Cost was 14.84. The lowest was 2.25. And the median was 5.35.
CHIX:STBl's 5-Year Yield-on-Cost % is ranked worse than 76.13% of 1257
companies
in the Banks industry
Industry Median: 3.89
vs CHIX:STBl: 2.36
Secure Trust Bank (CHIX:STBl) 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.
Secure Trust Bank 5-Year Yield-on-Cost % Related Terms
CHIX:STBL vs PNC, USB: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, Secure Trust 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.
Secure Trust Bank 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Secure Trust Bank's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Secure Trust Bank's 5-Year Yield-on-Cost % falls into.
Secure Trust 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.
Secure Trust Bank (CHIX:STBL) has a 5-Year Yield-on-Cost % of 2.36 as of Jul. 14, 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 Secure Trust Bank and its competitors. This is 56% below median its historical median of 5.35. Over the past decade, Secure Trust Bank's 5-Year Yield-on-Cost % has ranged from 2.25 to 14.84. According to the industry distribution chart, Secure Trust Bank ranks #957 out of 1257 companies in the Banks industry, placing it in the top 76.1%.
Is Secure Trust Bank's 5-Year Yield-on-Cost % too high?
Secure Trust Bank's current 5-Year Yield-on-Cost % of 2.36 is 56% below median its 10-year median of 5.35. Over the past 10 years, this metric has ranged from a low of 2.25 to a high of 14.84. The Banks industry median 5-Year Yield-on-Cost % is 3.89. Secure Trust Bank's value of 2.36 is 39.3% below this industry median. Based on the distribution chart, Secure Trust Bank ranks #957 out of 1257 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Secure Trust Bank has a GF Score™ of 54/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Secure Trust Bank's 5-Year Yield-on-Cost % compare to PNC and USB?
According to the Banks industry distribution chart, Secure Trust Bank ranks #957 out of 1257 companies for 5-Year Yield-on-Cost %. This places Secure Trust Bank in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.89. Secure Trust Bank's value of 2.36 is 39.3% below this benchmark. Historically, Secure Trust Bank's own 5-Year Yield-on-Cost % has ranged from 2.25 to 14.84 over the past decade. While the company's 10-year median is 5.35 vs. the industry median of 3.89, Secure Trust Bank 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 3.89, based on 1,257 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. Secure Trust Bank's current 5-Year Yield-on-Cost % of 2.36 is 39.3% 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 Secure Trust Bank and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.89 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Secure Trust Bank's current 5-Year Yield-on-Cost % is 2.36, which is 56% below median its own 10-year median of 5.35. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Secure Trust Bank stock overvalued right now?
Based on GuruFocus' analysis, Secure Trust Bank (CHIX:STBL) is currently considered Significantly Overvalued. The stock's GF Value™ is £6.90, compared to a current price of £14.94 — trading 116.5% above its estimated fair value. The current 5-Year Yield-on-Cost % is 2.36, which is 56% below median its 10-year median of 5.35 and 39.3% below the Banks industry median of 3.89. Secure Trust Bank's overall GF Score™ is 54/100 with 7 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 Secure Trust Bank (CHIX:STBL), the current 5-Year Yield-on-Cost % is 2.36 as of Jul. 14, 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 Secure Trust Bank (CHIX:STBL) Overvalued in 2026?
Based on GuruFocus' analysis, Secure Trust Bank stock appears to be overvalued.
The current stock price of £14.94 is trading 116.5% above its estimated GF Value™ of £6.90.
GuruFocus considers Secure Trust Bank to be Significantly Overvalued.
Key valuation signals for CHIX:STBL:
5-Year Yield-on-Cost %: 2.36 (56% below median its 10-year median of 5.35)
GF Value™: £6.90 vs. price of £14.94 (116.5% above fair value)
Industry Position: 39.3% below the Banks median (#957 of 1257)
No single metric tells the full story. See the CHIX:STBL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Secure Trust Bank PLC is engaged in the provision of banking and financial services. The company is organised into four operating segments, which consist of the different products available, as follows: i) Consumer Finance: it includes Retail Finance and Vehicle Finance, ii) Business Finance: It includes Real Estate Finance and Commercial Finance, and iii) Other. The majority of revenue is derived from the Retail Finance segment, which provides online e-commerce services to retailers, providing unsecured lending products to prime UK customers. Geographically, the company operates only in the United Kingdom.
54GF Score
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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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