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FNBFIDS 63 5-Year Yield-on-Cost % is 12.81 as of Jul. 30, 2026, which is 9% above its 10-year median of 11.77. GuruFocus rates FIDS with a GF Score™ of 63/100 and a GF Value™ of $22.60 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,251 Banks companies, FNB ranks better than 90.73% on this metric.
FNB's yield on cost for the quarter that ended in Dec. 2025 was 12.81.
The historical rank and industry rank for FNB's 5-Year Yield-on-Cost % or its related term are showing as below:
FIDS'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 5.98 Med: 11.77 Max: 17.66
Current: 12.81
During the past 12 years, FNB's highest Yield on Cost was 17.66. The lowest was 5.98. And the median was 11.77.
FIDS's 5-Year Yield-on-Cost % is ranked better than 90.73% of 1251
companies
in the Banks industry
Industry Median: 3.84
vs FIDS: 12.81
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.
FNB 5-Year Yield-on-Cost % Related Terms
FIDS vs MSBB, LOGN, JTNB: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, FNB'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.
FNB 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, FNB's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where FNB'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.
FNB (FIDS) has a 5-Year Yield-on-Cost % of 12.81 as of Jul. 30, 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 FNB and its competitors. This is near median its historical median of 11.77. Over the past decade, FNB's 5-Year Yield-on-Cost % has ranged from 5.98 to 17.66. According to the industry distribution chart, FNB ranks #116 out of 1251 companies in the Banks industry, placing it in the top 9.3%.
Is FNB's 5-Year Yield-on-Cost % too high?
FNB's current 5-Year Yield-on-Cost % of 12.81 is near median its 10-year median of 11.77. Over the past 10 years, this metric has ranged from a low of 5.98 to a high of 17.66. The Banks industry median 5-Year Yield-on-Cost % is 3.84. FNB's value of 12.81 is 233.6% above this industry median. Based on the distribution chart, FNB ranks #116 out of 1251 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, FNB has a GF Score™ of 63/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does FNB's 5-Year Yield-on-Cost % compare to MSBB and LOGN?
According to the Banks industry distribution chart, FNB ranks #116 out of 1251 companies for 5-Year Yield-on-Cost %. This places FNB in the top 9% of its industry — outperforming the majority of peers. The industry median 5-Year Yield-on-Cost % is 3.84. FNB's value of 12.81 is 233.6% above this benchmark. Historically, FNB's own 5-Year Yield-on-Cost % has ranged from 5.98 to 17.66 over the past decade. While the company's 10-year median is 11.77 vs. the industry median of 3.84, FNB 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 3.84, 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. FNB's current 5-Year Yield-on-Cost % of 12.81 is 233.6% 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 FNB 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. FNB's current 5-Year Yield-on-Cost % is 12.81, which is near median its own 10-year median of 11.77. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is FNB stock overvalued right now?
Based on GuruFocus' analysis, FNB (FIDS) is currently considered Significantly Overvalued. The stock's GF Value™ is $22.60, compared to a current price of $29.92 — trading 32.4% above its estimated fair value. The current 5-Year Yield-on-Cost % is 12.81, which is near median its 10-year median of 11.77 and 233.6% above the Banks industry median of 3.84. FNB's overall GF Score™ is 63/100 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 FNB (FIDS), the current 5-Year Yield-on-Cost % is 12.81 as of Jul. 30, 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 FNB (FIDS) Overvalued in 2026?
Based on GuruFocus' analysis, FNB stock appears to be overvalued.
The current stock price of $29.92 is trading 32.4% above its estimated GF Value™ of $22.60.
GuruFocus considers FNB to be Significantly Overvalued.
Key valuation signals for FIDS:
5-Year Yield-on-Cost %: 12.81 (near median its 10-year median of 11.77)
GF Value™: $22.60 vs. price of $29.92 (32.4% above fair value)
Industry Position: 233.6% above the Banks median (#116 of 1251)
No single metric tells the full story. See the FIDS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
FNB Inc is a bank holding company. The Company, through its subsidiaries, provides banking products and services. The company has the following segments: Commercial Real Estate, Commercial and Industrial, Other Commercial, Installments, and Other segments, with the majority of revenue from Commercial Real Estate.
63GF Score
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