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North Pacific BankFRA:2PT +0.87%62 5-Year Yield-on-Cost % is 7.69 as of Jul. 23, 2026, which is 19% below its 10-year median of 9.45. GuruFocus rates FRA:2PT with a GF Score™ of 62/100 and a GF Value™ of €3.75. The stock has 6 warning signs investors should review. Among 1,251 Banks companies, North Pacific Bank ranks better than 79.22% on this metric.
North Pacific Bank's yield on cost for the quarter that ended in Mar. 2026 was 7.69.
The historical rank and industry rank for North Pacific Bank's 5-Year Yield-on-Cost % or its related term are showing as below:
FRA:2PT'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 4.73 Med: 9.45 Max: 17.17
Current: 7.69
During the past 13 years, North Pacific Bank's highest Yield on Cost was 17.17. The lowest was 4.73. And the median was 9.45.
FRA:2PT's 5-Year Yield-on-Cost % is ranked better than 79.22% of 1251
companies
in the Banks industry
Industry Median: 3.9
vs FRA:2PT: 7.69
North Pacific Bank (FRA:2PT) 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.
North Pacific Bank 5-Year Yield-on-Cost % Related Terms
North Pacific Bank 5-Year Yield-on-Cost % Competitor Comparison
For the Banks - Regional subindustry, North Pacific Bank'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.
North Pacific Bank 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, North Pacific Bank's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where North Pacific Bank's 5-Year Yield-on-Cost % falls into.
North Pacific Bank 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.
North Pacific Bank (FRA:2PT) has a 5-Year Yield-on-Cost % of 7.69 as of Jul. 23, 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 North Pacific Bank and its competitors. This is 19% below median its historical median of 9.45. Over the past decade, North Pacific Bank's 5-Year Yield-on-Cost % has ranged from 4.73 to 17.17. According to the industry distribution chart, North Pacific Bank ranks #260 out of 1251 companies in the Banks industry, placing it in the top 20.8%.
Is North Pacific Bank's 5-Year Yield-on-Cost % too high?
North Pacific Bank's current 5-Year Yield-on-Cost % of 7.69 is 19% below median its 10-year median of 9.45. Over the past 10 years, this metric has ranged from a low of 4.73 to a high of 17.17. The Banks industry median 5-Year Yield-on-Cost % is 3.90. North Pacific Bank's value of 7.69 is 97.2% above this industry median. Based on the distribution chart, North Pacific Bank ranks #260 out of 1251 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, North Pacific Bank has a GF Score™ of 62/100, reflecting its overall financial health beyond just this single metric.
How does North Pacific Bank's 5-Year Yield-on-Cost % compare to competitors?
According to the Banks industry distribution chart, North Pacific Bank ranks #260 out of 1251 companies for 5-Year Yield-on-Cost %. This places North Pacific Bank in the top 21% of its industry — outperforming the majority of peers. The industry median 5-Year Yield-on-Cost % is 3.90. North Pacific Bank's value of 7.69 is 97.2% above this benchmark. Historically, North Pacific Bank's own 5-Year Yield-on-Cost % has ranged from 4.73 to 17.17 over the past decade. While the company's 10-year median is 9.45 vs. the industry median of 3.90, North Pacific Bank 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 3.90, 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. North Pacific Bank's current 5-Year Yield-on-Cost % of 7.69 is 97.2% 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 North Pacific Bank and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.90 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. North Pacific Bank's current 5-Year Yield-on-Cost % is 7.69, which is 19% below median its own 10-year median of 9.45. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is North Pacific Bank stock overvalued right now?
North Pacific Bank (FRA:2PT) has a current 5-Year Yield-on-Cost % of 7.69. The stock's GF Value™ is €3.75, compared to a current price of €5.80 — trading 54.7% above its estimated fair value. The current 5-Year Yield-on-Cost % is 7.69, which is 19% below median its 10-year median of 9.45 and 97.2% above the Banks industry median of 3.90. North Pacific Bank's overall GF Score™ is 62/100 with 6 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 North Pacific Bank (FRA:2PT), the current 5-Year Yield-on-Cost % is 7.69 as of Jul. 23, 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 North Pacific Bank (FRA:2PT) Overvalued in 2026?
Based on GuruFocus' analysis, North Pacific Bank stock appears to be overvalued.
The current stock price of €5.80 is trading 54.7% above its estimated GF Value™ of €3.75.
Key valuation signals for FRA:2PT:
5-Year Yield-on-Cost %: 7.69 (19% below median its 10-year median of 9.45)
GF Value™: €3.75 vs. price of €5.80 (54.7% above fair value)
Industry Position: 97.2% above the Banks median (#260 of 1251)
No single metric tells the full story. See the FRA:2PT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
North Pacific Bank Ltd is engaged in the provision of banking products and services. The firm offers time deposit, reserve deposit, government/ public bonds, asset management support services, smartphone-based services, including real-time updates on account balances and transactions, including deposits and withdrawals, along with cashless payment based on QR codes.
62GF 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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