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FB FinancialFRA:2J2 +0.83%73 5-Year Yield-on-Cost % is 3.05 as of Sep. 09, 2026, which is 14% above its 10-year median of 2.67. GuruFocus rates FRA:2J2 with a GF Score™ of 73/100 and a GF Value™ of €52.08. The stock has 3 warning signs investors should review. Among 1,245 Banks companies, FB Financial ranks worse than 64.5% on this metric.
FB Financial's yield on cost for the quarter that ended in Jun. 2026 was 3.05.
The historical rank and industry rank for FB Financial's 5-Year Yield-on-Cost % or its related term are showing as below:
FRA:2J2'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.29 Med: 2.67 Max: 4.49
Current: 3.05
During the past 13 years, FB Financial's highest Yield on Cost was 4.49. The lowest was 0.29. And the median was 2.67.
FRA:2J2's 5-Year Yield-on-Cost % is ranked worse than 64.5% of 1245
companies
in the Banks industry
Industry Median: 3.78
vs FRA:2J2: 3.05
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.
FB Financial 5-Year Yield-on-Cost % Related Terms
FRA:2J2 vs BANC, BOH, PFS: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, FB Financial'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.
FB Financial 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, FB Financial's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where FB Financial'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 FB Financial is calculated as
FB Financial (FRA:2J2) has a 5-Year Yield-on-Cost % of 3.05 as of Sep. 09, 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 FB Financial and its competitors. This is 14% above median its historical median of 2.67. Over the past decade, FB Financial's 5-Year Yield-on-Cost % has ranged from 0.29 to 4.49. According to the industry distribution chart, FB Financial ranks #803 out of 1245 companies in the Banks industry, placing it in the top 64.5%.
Is FB Financial's 5-Year Yield-on-Cost % too high?
FB Financial's current 5-Year Yield-on-Cost % of 3.05 is 14% above median its 10-year median of 2.67. Over the past 10 years, this metric has ranged from a low of 0.29 to a high of 4.49. The Banks industry median 5-Year Yield-on-Cost % is 3.78. FB Financial's value of 3.05 is 19.3% below this industry median. Based on the distribution chart, FB Financial ranks #803 out of 1245 companies in the Banks industry, which is below the industry midpoint. Overall, FB Financial has a GF Score™ of 73/100, reflecting its overall financial health beyond just this single metric.
How does FB Financial's 5-Year Yield-on-Cost % compare to BANC and BOH?
According to the Banks industry distribution chart, FB Financial ranks #803 out of 1245 companies for 5-Year Yield-on-Cost %. This places FB Financial in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.78. FB Financial's value of 3.05 is 19.3% below this benchmark. Historically, FB Financial's own 5-Year Yield-on-Cost % has ranged from 0.29 to 4.49 over the past decade. While the company's 10-year median is 2.67 vs. the industry median of 3.78, FB Financial 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 3.78, based on 1,245 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. FB Financial's current 5-Year Yield-on-Cost % of 3.05 is 19.3% 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 FB Financial and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.78 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. FB Financial's current 5-Year Yield-on-Cost % is 3.05, which is 14% above median its own 10-year median of 2.67. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is FB Financial stock overvalued right now?
FB Financial (FRA:2J2) has a current 5-Year Yield-on-Cost % of 3.05. The stock's GF Value™ is €52.08, compared to a current price of €48.40 — trading 7.1% below its estimated fair value. The current 5-Year Yield-on-Cost % is 3.05, which is 14% above median its 10-year median of 2.67 and 19.3% below the Banks industry median of 3.78. FB Financial's overall GF Score™ is 73/100 with 3 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 FB Financial (FRA:2J2), the current 5-Year Yield-on-Cost % is 3.05 as of Sep. 09, 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 FB Financial (FRA:2J2) Overvalued in 2026?
Based on GuruFocus' analysis, FB Financial stock appears to be undervalued.
The current stock price of €48.40 is trading 7.1% below its estimated GF Value™ of €52.08.
Key valuation signals for FRA:2J2:
5-Year Yield-on-Cost %: 3.05 (14% above median its 10-year median of 2.67)
GF Value™: €52.08 vs. price of €48.40 (7.1% below fair value)
Industry Position: 19.3% below the Banks median (#803 of 1245)
No single metric tells the full story. See the FRA:2J2 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
FB Financial Corp is a bank holding company. The company through its wholly-owned bank subsidiary provides commercial and consumer banking services to clients in select markets in Tennessee, North Alabama, and North Georgia. The company segment includes Banking and Mortgage. It generates majority of revenue from the Banking segment which provides a full range of deposit and lending products and services to corporate, commercial, and consumer customers. The Mortgage segment includes the servicing of residential mortgage loans and the packaging and securitization of loans to governmental agencies.
73GF 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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