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.
Empire BancsharesEBSH 52 5-Year Yield-on-Cost % is 1.17 as of Aug. 02, 2026, which is 51% below its 10-year median of 2.38. GuruFocus rates EBSH with a GF Score™ of 52/100 and a GF Value™ of $23.52 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,251 Banks companies, Empire Bancshares ranks worse than 91.53% on this metric.
Empire Bancshares's yield on cost for the quarter that ended in Dec. 2025 was 1.17.
The historical rank and industry rank for Empire Bancshares's 5-Year Yield-on-Cost % or its related term are showing as below:
EBSH'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.09 Med: 2.38 Max: 2.68
Current: 1.17
During the past 7 years, Empire Bancshares's highest Yield on Cost was 2.68. The lowest was 1.09. And the median was 2.38.
EBSH's 5-Year Yield-on-Cost % is ranked worse than 91.53% of 1251
companies
in the Banks industry
Industry Median: 3.84
vs EBSH: 1.17
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.
Empire Bancshares 5-Year Yield-on-Cost % Related Terms
EBSH vs GWBK, MNBO, GTPS: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, Empire 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.
Empire Bancshares 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Empire Bancshares's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Empire 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.
Empire Bancshares (EBSH) has a 5-Year Yield-on-Cost % of 1.17 as of Aug. 02, 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 Empire Bancshares and its competitors. This is 51% below median its historical median of 2.38. Over the past decade, Empire Bancshares' 5-Year Yield-on-Cost % has ranged from 1.09 to 2.68. According to the industry distribution chart, Empire Bancshares ranks #1145 out of 1251 companies in the Banks industry, placing it in the top 91.5%.
Is Empire Bancshares' 5-Year Yield-on-Cost % too high?
Empire Bancshares' current 5-Year Yield-on-Cost % of 1.17 is 51% below median its 10-year median of 2.38. Over the past 10 years, this metric has ranged from a low of 1.09 to a high of 2.68. The Banks industry median 5-Year Yield-on-Cost % is 3.84. Empire Bancshares' value of 1.17 is 69.5% below this industry median. Based on the distribution chart, Empire Bancshares ranks #1145 out of 1251 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Empire Bancshares has a GF Score™ of 52/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Empire Bancshares' 5-Year Yield-on-Cost % compare to GWBK and MNBO?
According to the Banks industry distribution chart, Empire Bancshares ranks #1145 out of 1251 companies for 5-Year Yield-on-Cost %. This places Empire Bancshares in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.84. Empire Bancshares' value of 1.17 is 69.5% below this benchmark. Historically, Empire Bancshares' own 5-Year Yield-on-Cost % has ranged from 1.09 to 2.68 over the past decade. While the company's 10-year median is 2.38 vs. the industry median of 3.84, Empire Bancshares 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. Empire Bancshares's current 5-Year Yield-on-Cost % of 1.17 is 69.5% 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 Empire Bancshares 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. Empire Bancshares's current 5-Year Yield-on-Cost % is 1.17, which is 51% below median its own 10-year median of 2.38. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Empire Bancshares stock overvalued right now?
Based on GuruFocus' analysis, Empire Bancshares (EBSH) is currently considered Significantly Overvalued. The stock's GF Value™ is $23.52, compared to a current price of $41.63 — trading 77% above its estimated fair value. The current 5-Year Yield-on-Cost % is 1.17, which is 51% below median its 10-year median of 2.38 and 69.5% below the Banks industry median of 3.84. Empire Bancshares' overall GF Score™ is 52/100 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 Empire Bancshares (EBSH), the current 5-Year Yield-on-Cost % is 1.17 as of Aug. 02, 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 Empire Bancshares (EBSH) Overvalued in 2026?
Based on GuruFocus' analysis, Empire Bancshares stock appears to be overvalued.
The current stock price of $41.63 is trading 77% above its estimated GF Value™ of $23.52.
GuruFocus considers Empire Bancshares to be Significantly Overvalued.
Key valuation signals for EBSH:
5-Year Yield-on-Cost %: 1.17 (51% below median its 10-year median of 2.38)
GF Value™: $23.52 vs. price of $41.63 (77% above fair value)
Industry Position: 69.5% below the Banks median (#1145 of 1251)
No single metric tells the full story. See the EBSH stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Empire Bancshares Inc, through its subsidiary, is engaged in providing banking products and services. The Bank's principal services include accepting deposits and making loans. Loan and deposit customers are mainly located in northwestern Ohio and northeastern Indiana, and include a wide range of individuals, businesses, and other organizations. A portion of loans is secured by various forms of collateral, including real estate, business assets, consumer property, and other items, although borrower cash flow is generally the primary source of repayment.
52GF Score
Get the complete analysis for EBSH
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
EBSH has been successfully added to your 
