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.
Community Bancorp Ofnta MariaCYSM +1.23%54 5-Year Yield-on-Cost % is 2.91 as of Aug. 01, 2026, which is 15% below its 10-year median of 3.44. GuruFocus rates CYSM with a GF Scoreâ„¢ of 54/100 and a GF Valueâ„¢ of $13.11 (Significantly Overvalued). Among 1,251 Banks companies, Community Bancorp Ofnta Maria ranks worse than 66.19% on this metric.
Community Bancorp Ofnta Maria (OTCPK:CYSM) 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.
Community Bancorp Ofnta Maria 5-Year Yield-on-Cost % Related Terms
CYSM vs SOUB, TMAK, KFFB: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, Community Bancorp Ofnta Maria'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.
Community Bancorp Ofnta Maria 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Community Bancorp Ofnta Maria's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Community Bancorp Ofnta Maria's 5-Year Yield-on-Cost % falls into.
Community Bancorp Ofnta Maria 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.
Community Bancorp Ofnta Maria (CYSM) has a 5-Year Yield-on-Cost % of 2.91 as of Aug. 01, 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 Community Bancorp Ofnta Maria and its competitors. This is 15% below median its historical median of 3.44. Over the past decade, Community Bancorp Ofnta Maria's 5-Year Yield-on-Cost % has ranged from 1.92 to 4.98. According to the industry distribution chart, Community Bancorp Ofnta Maria ranks #828 out of 1251 companies in the Banks industry, placing it in the top 66.2%.
Is Community Bancorp Ofnta Maria's 5-Year Yield-on-Cost % too high?
Community Bancorp Ofnta Maria's current 5-Year Yield-on-Cost % of 2.91 is 15% below median its 10-year median of 3.44. Over the past 10 years, this metric has ranged from a low of 1.92 to a high of 4.98. The Banks industry median 5-Year Yield-on-Cost % is 3.84. Community Bancorp Ofnta Maria's value of 2.91 is 24.2% below this industry median. Based on the distribution chart, Community Bancorp Ofnta Maria ranks #828 out of 1251 companies in the Banks industry, which is below the industry midpoint. Overall, Community Bancorp Ofnta Maria has a GF Scoreâ„¢ of 54/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Community Bancorp Ofnta Maria's 5-Year Yield-on-Cost % compare to SOUB and TMAK?
According to the Banks industry distribution chart, Community Bancorp Ofnta Maria ranks #828 out of 1251 companies for 5-Year Yield-on-Cost %. This places Community Bancorp Ofnta Maria in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.84. Community Bancorp Ofnta Maria's value of 2.91 is 24.2% below this benchmark. Historically, Community Bancorp Ofnta Maria's own 5-Year Yield-on-Cost % has ranged from 1.92 to 4.98 over the past decade. While the company's 10-year median is 3.44 vs. the industry median of 3.84, Community Bancorp Ofnta Maria 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. Community Bancorp Ofnta Maria's current 5-Year Yield-on-Cost % of 2.91 is 24.2% 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 Community Bancorp Ofnta Maria 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. Community Bancorp Ofnta Maria's current 5-Year Yield-on-Cost % is 2.91, which is 15% below median its own 10-year median of 3.44. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Community Bancorp Ofnta Maria stock overvalued right now?
Based on GuruFocus' analysis, Community Bancorp Ofnta Maria (CYSM) is currently considered Significantly Overvalued. The stock's GF Value™ is $13.11, compared to a current price of $20.55 — trading 56.8% above its estimated fair value. The current 5-Year Yield-on-Cost % is 2.91, which is 15% below median its 10-year median of 3.44 and 24.2% below the Banks industry median of 3.84. Community Bancorp Ofnta Maria's overall GF Score™ is 54/100. 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 Community Bancorp Ofnta Maria (CYSM), the current 5-Year Yield-on-Cost % is 2.91 as of Aug. 01, 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 Community Bancorp Ofnta Maria (CYSM) Overvalued in 2026?
Based on GuruFocus' analysis, Community Bancorp Ofnta Maria stock appears to be overvalued.
The current stock price of $20.55 is trading 56.8% above its estimated GF Value™ of $13.11.
GuruFocus considers Community Bancorp Ofnta Maria to be Significantly Overvalued.
Key valuation signals for CYSM:
5-Year Yield-on-Cost %: 2.91 (15% below median its 10-year median of 3.44)
GF Value™: $13.11 vs. price of $20.55 (56.8% above fair value)
Industry Position: 24.2% below the Banks median (#828 of 1251)
No single metric tells the full story. See the CYSM stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Community Bancorp Of Santa Maria Community Bancorp of Santa Maria is the holding company for Community Bank of Santa Maria. The bank provides banking products and services. It offers a full range of commercial and personal banking services to businesses and residents of Santa Maria and the surrounding areas. Community Bancorp has been organized as a single operating segment. Its primary source of revenue is providing loans to customers, who are predominantly small and middle-market businesses and individuals.
54GF Score
Get the complete analysis for CYSM
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
CYSM has been successfully added to your 
