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.
Independent BankFRA:60O -1.37%64 5-Year Yield-on-Cost % is 3.81 as of Aug. 10, 2026, which is 20% above its 10-year median of 3.18. GuruFocus rates FRA:60O with a GF Score™ of 64/100 and a GF Value™ of €66.72. The stock has 6 warning signs investors should review. Among 1,247 Banks companies, Independent Bank ranks better than 50.04% on this metric.
Independent Bank's yield on cost for the quarter that ended in Mar. 2026 was 3.81.
The historical rank and industry rank for Independent Bank's 5-Year Yield-on-Cost % or its related term are showing as below:
FRA:60O'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.97 Med: 3.18 Max: 6.28
Current: 3.81
During the past 13 years, Independent Bank's highest Yield on Cost was 6.28. The lowest was 1.97. And the median was 3.18.
FRA:60O's 5-Year Yield-on-Cost % is ranked better than 50.04% of 1247
companies
in the Banks industry
Industry Median: 3.81
vs FRA:60O: 3.81
Independent Bank (FRA:60O) 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.
Independent Bank 5-Year Yield-on-Cost % Related Terms
FRA:60O vs RNST, WSFS, CVBF: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, Independent 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.
Independent Bank 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Independent Bank's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Independent Bank's 5-Year Yield-on-Cost % falls into.
Independent 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.
Independent Bank (FRA:60O) has a 5-Year Yield-on-Cost % of 3.81 as of Aug. 10, 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 Independent Bank and its competitors. This is 20% above median its historical median of 3.18. Over the past decade, Independent Bank's 5-Year Yield-on-Cost % has ranged from 1.97 to 6.28. According to the industry distribution chart, Independent Bank ranks #623 out of 1247 companies in the Banks industry, placing it in the top 50%.
Is Independent Bank's 5-Year Yield-on-Cost % too high?
Independent Bank's current 5-Year Yield-on-Cost % of 3.81 is 20% above median its 10-year median of 3.18. Over the past 10 years, this metric has ranged from a low of 1.97 to a high of 6.28. The Banks industry median 5-Year Yield-on-Cost % is 3.81. Independent Bank's value of 3.81 is 0% at this industry median. Based on the distribution chart, Independent Bank ranks #623 out of 1247 companies in the Banks industry, which is above the industry midpoint. Overall, Independent Bank has a GF Score™ of 64/100, reflecting its overall financial health beyond just this single metric.
How does Independent Bank's 5-Year Yield-on-Cost % compare to RNST and WSFS?
According to the Banks industry distribution chart, Independent Bank ranks #623 out of 1247 companies for 5-Year Yield-on-Cost %. This puts Independent Bank in the upper half of its industry. The industry median 5-Year Yield-on-Cost % is 3.81. Independent Bank's value of 3.81 is 0% at this benchmark. Historically, Independent Bank's own 5-Year Yield-on-Cost % has ranged from 1.97 to 6.28 over the past decade. While the company's 10-year median is 3.18 vs. the industry median of 3.81, Independent Bank has consistently been at 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 3.81, based on 1,247 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. Independent Bank's current 5-Year Yield-on-Cost % of 3.81 is 0% at 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 Independent Bank and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.81 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Independent Bank's current 5-Year Yield-on-Cost % is 3.81, which is 20% above median its own 10-year median of 3.18. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Independent Bank stock overvalued right now?
Independent Bank (FRA:60O) has a current 5-Year Yield-on-Cost % of 3.81. The stock's GF Value™ is €66.72, compared to a current price of €72.00 — trading 7.9% above its estimated fair value. The current 5-Year Yield-on-Cost % is 3.81, which is 20% above median its 10-year median of 3.18 and 0% at the Banks industry median of 3.81. Independent Bank's overall GF Score™ is 64/100 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 Independent Bank (FRA:60O), the current 5-Year Yield-on-Cost % is 3.81 as of Aug. 10, 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 Independent Bank (FRA:60O) Overvalued in 2026?
Based on GuruFocus' analysis, Independent Bank stock appears to be overvalued.
The current stock price of €72.00 is trading 7.9% above its estimated GF Value™ of €66.72.
Key valuation signals for FRA:60O:
5-Year Yield-on-Cost %: 3.81 (20% above median its 10-year median of 3.18)
GF Value™: €66.72 vs. price of €72.00 (7.9% above fair value)
Industry Position: 0% at the Banks median (#623 of 1247)
No single metric tells the full story. See the FRA:60O stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Independent Bank Corp is a bank holding company and the sole shareholder of its bank, the Rockland Trust Company. Rockland is a community-oriented commercial bank. The bank provides a variety of banking, investment and financial services, operating with various retail branches, as well as a network of commercial and residential lending centers and investment management offices majorly in Eastern Massachusetts, Worcester County, and Rhode Island. The bank's loan portfolio constitutes the bulk of the bank's total assets. Its borrowers consist mostly of small to medium-size businesses and consumers, majority of which are made to its market area in eastern Massachusetts and Rhode Island. The bank's loan portfolio is predominantly in commercial loans.
64GF Score
Get the complete analysis for FRA:60O
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
FRA:60O has been successfully added to your 
