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Huishang BankFRA:HB8 35 5-Year Yield-on-Cost % is 6.07 as of Jul. 26, 2026, which is 34% above its 10-year median of 4.54. GuruFocus rates FRA:HB8 with a GF Score™ of 35/100 and a GF Value™ of €0.29 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,252 Banks companies, Huishang Bank ranks better than 71.88% on this metric.
Huishang Bank's yield on cost for the quarter that ended in Dec. 2025 was 6.07.
The historical rank and industry rank for Huishang Bank's 5-Year Yield-on-Cost % or its related term are showing as below:
FRA:HB8'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.74 Med: 4.54 Max: 7.35
Current: 6.07
During the past 13 years, Huishang Bank's highest Yield on Cost was 7.35. The lowest was 0.74. And the median was 4.54.
FRA:HB8's 5-Year Yield-on-Cost % is ranked better than 71.88% of 1252
companies
in the Banks industry
Industry Median: 3.875
vs FRA:HB8: 6.07
Huishang Bank (FRA:HB8) 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.
Huishang Bank 5-Year Yield-on-Cost % Related Terms
Huishang Bank 5-Year Yield-on-Cost % Competitor Comparison
For the Banks - Regional subindustry, Huishang 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.
Huishang Bank 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Huishang Bank's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Huishang Bank'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 Huishang Bank is calculated as
Huishang Bank (FRA:HB8) has a 5-Year Yield-on-Cost % of 6.07 as of Jul. 26, 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 Huishang Bank and its competitors. This is 34% above median its historical median of 4.54. Over the past decade, Huishang Bank's 5-Year Yield-on-Cost % has ranged from 0.74 to 7.35. According to the industry distribution chart, Huishang Bank ranks #352 out of 1252 companies in the Banks industry, placing it in the top 28.1%.
Is Huishang Bank's 5-Year Yield-on-Cost % too high?
Huishang Bank's current 5-Year Yield-on-Cost % of 6.07 is 34% above median its 10-year median of 4.54. Over the past 10 years, this metric has ranged from a low of 0.74 to a high of 7.35. The Banks industry median 5-Year Yield-on-Cost % is 3.88. Huishang Bank's value of 6.07 is 56.6% above this industry median. Based on the distribution chart, Huishang Bank ranks #352 out of 1252 companies in the Banks industry, which is above the industry midpoint. Overall, Huishang Bank has a GF Score™ of 35/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Huishang Bank's 5-Year Yield-on-Cost % compare to competitors?
According to the Banks industry distribution chart, Huishang Bank ranks #352 out of 1252 companies for 5-Year Yield-on-Cost %. This puts Huishang Bank in the upper half of its industry. The industry median 5-Year Yield-on-Cost % is 3.88. Huishang Bank's value of 6.07 is 56.6% above this benchmark. Historically, Huishang Bank's own 5-Year Yield-on-Cost % has ranged from 0.74 to 7.35 over the past decade. While the company's 10-year median is 4.54 vs. the industry median of 3.88, Huishang 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 3.88, based on 1,252 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. Huishang Bank's current 5-Year Yield-on-Cost % of 6.07 is 56.6% 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 Huishang Bank and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Huishang Bank's current 5-Year Yield-on-Cost % is 6.07, which is 34% above median its own 10-year median of 4.54. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Huishang Bank stock overvalued right now?
Based on GuruFocus' analysis, Huishang Bank (FRA:HB8) is currently considered Significantly Overvalued. The stock's GF Value™ is €0.29, compared to a current price of €0.53 — trading 82.8% above its estimated fair value. The current 5-Year Yield-on-Cost % is 6.07, which is 34% above median its 10-year median of 4.54 and 56.6% above the Banks industry median of 3.88. Huishang Bank's overall GF Score™ is 35/100 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 Huishang Bank (FRA:HB8), the current 5-Year Yield-on-Cost % is 6.07 as of Jul. 26, 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 Huishang Bank (FRA:HB8) Overvalued in 2026?
Based on GuruFocus' analysis, Huishang Bank stock appears to be overvalued.
The current stock price of €0.53 is trading 82.8% above its estimated GF Value™ of €0.29.
GuruFocus considers Huishang Bank to be Significantly Overvalued.
Key valuation signals for FRA:HB8:
5-Year Yield-on-Cost %: 6.07 (34% above median its 10-year median of 4.54)
GF Value™: €0.29 vs. price of €0.53 (82.8% above fair value)
Industry Position: 56.6% above the Banks median (#352 of 1252)
No single metric tells the full story. See the FRA:HB8 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Huishang Bank Corp Ltd is a regional commercial bank in China. The company operates through four main business segments: corporate banking, retail banking, treasury, and others. The corporate banking segment provides financial services to corporate customers, government authorities, and financial institutions, such as current accounts, deposits, overdrafts, loans, and wealth management products. The retail banking segment provides services to retail customers, such as savings deposits, personal loans, and advances. The treasury segment provides securities investment and money market and repurchase transactions. The other segment includes investment holding and other miscellaneous activities. The company operates in Mainland China and earns the majority of its revenue in the Anhui Province.
35GF Score
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