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FinecoBank SpAFCBBF 79 5-Year Yield-on-Cost % is 3.58 as of Jul. 18, 2026, which is 1% below its 10-year median of 3.62. GuruFocus rates FCBBF with a GF Score™ of 79/100 and a GF Value™ of $19.18 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,255 Banks companies, FinecoBank SpA ranks worse than 58.57% on this metric.
FinecoBank SpA's yield on cost for the quarter that ended in Dec. 2025 was 3.58.
The historical rank and industry rank for FinecoBank SpA's 5-Year Yield-on-Cost % or its related term are showing as below:
FCBBF'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.3 Med: 3.62 Max: 8.6
Current: 3.58
During the past 13 years, FinecoBank SpA's highest Yield on Cost was 8.60. The lowest was 2.30. And the median was 3.62.
FCBBF's 5-Year Yield-on-Cost % is ranked worse than 58.57% of 1255
companies
in the Banks industry
Industry Median: 3.85
vs FCBBF: 3.58
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.
FinecoBank SpA 5-Year Yield-on-Cost % Related Terms
For the Banks - Regional subindustry, FinecoBank SpA'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.
FinecoBank SpA 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, FinecoBank SpA's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where FinecoBank SpA'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.
Therefore, Yield-on-Cost of FinecoBank SpA is calculated as
FinecoBank SpA (FCBBF) has a 5-Year Yield-on-Cost % of 3.58 as of Jul. 18, 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 FinecoBank SpA and its competitors. This is near median its historical median of 3.62. Over the past decade, FinecoBank SpA's 5-Year Yield-on-Cost % has ranged from 2.30 to 8.60. According to the industry distribution chart, FinecoBank SpA ranks #735 out of 1255 companies in the Banks industry, placing it in the top 58.6%.
Is FinecoBank SpA's 5-Year Yield-on-Cost % too high?
FinecoBank SpA's current 5-Year Yield-on-Cost % of 3.58 is near median its 10-year median of 3.62. Over the past 10 years, this metric has ranged from a low of 2.30 to a high of 8.60. The Banks industry median 5-Year Yield-on-Cost % is 3.85. FinecoBank SpA's value of 3.58 is 7% below this industry median. Based on the distribution chart, FinecoBank SpA ranks #735 out of 1255 companies in the Banks industry, which is below the industry midpoint. Overall, FinecoBank SpA has a GF Score™ of 79/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does FinecoBank SpA's 5-Year Yield-on-Cost % compare to competitors?
According to the Banks industry distribution chart, FinecoBank SpA ranks #735 out of 1255 companies for 5-Year Yield-on-Cost %. This places FinecoBank SpA in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.85. FinecoBank SpA's value of 3.58 is 7% below this benchmark. Historically, FinecoBank SpA's own 5-Year Yield-on-Cost % has ranged from 2.30 to 8.60 over the past decade. While the company's 10-year median is 3.62 vs. the industry median of 3.85, FinecoBank SpA 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 3.85, based on 1,255 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. FinecoBank SpA's current 5-Year Yield-on-Cost % of 3.58 is 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 FinecoBank SpA and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. FinecoBank SpA's current 5-Year Yield-on-Cost % is 3.58, which is near median its own 10-year median of 3.62. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is FinecoBank SpA stock overvalued right now?
Based on GuruFocus' analysis, FinecoBank SpA (FCBBF) is currently considered Significantly Overvalued. The stock's GF Value™ is $19.18, compared to a current price of $25.63 — trading 33.6% above its estimated fair value. The current 5-Year Yield-on-Cost % is 3.58, which is near median its 10-year median of 3.62 and 7% below the Banks industry median of 3.85. FinecoBank SpA's overall GF Score™ is 79/100 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 FinecoBank SpA (FCBBF), the current 5-Year Yield-on-Cost % is 3.58 as of Jul. 18, 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 FinecoBank SpA (FCBBF) Overvalued in 2026?
Based on GuruFocus' analysis, FinecoBank SpA stock appears to be overvalued.
The current stock price of $25.63 is trading 33.6% above its estimated GF Value™ of $19.18.
GuruFocus considers FinecoBank SpA to be Significantly Overvalued.
Key valuation signals for FCBBF:
5-Year Yield-on-Cost %: 3.58 (near median its 10-year median of 3.62)
GF Value™: $19.18 vs. price of $25.63 (33.6% above fair value)
Industry Position: 7% below the Banks median (#735 of 1255)
No single metric tells the full story. See the FCBBF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
FinecoBank SpA is a FinTech bank based in Italy, offering its services through a network of personal financial advisors and online and mobile channels that operate in an integrated manner. The Group's offerings are divided into three product areas: Banking, Brokerage, and Investing. Maximum revenue is generated from Banking activities, which include current account services, payment services, and the issuance of debit, credit, and prepaid cards, mortgages, overdrafts, and personal loans. The Brokerage category offers order execution services on behalf of the customer, and trading access to CFDs, futures, options, bonds, ETFs, and certificates; and Investing includes the asset management activities of the Group, its investment advisory services, and various investment products offerings.
79GF Score
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