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Bien Sparebank ASAFRA:JX0 +0.79%69 5-Year Yield-on-Cost % is 4.07 as of Aug. 16, 2026, which is 4% above its 10-year median of 3.93. GuruFocus rates FRA:JX0 with a GF Score™ of 69/100 and a GF Value™ of €12.23. The stock has 5 warning signs investors should review. Among 1,256 Banks companies, Bien Sparebank ASA ranks better than 51.91% on this metric.
Bien Sparebank ASA's yield on cost for the quarter that ended in Jun. 2026 was 4.07.
The historical rank and industry rank for Bien Sparebank ASA's 5-Year Yield-on-Cost % or its related term are showing as below:
FRA:JX0'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.98 Med: 3.93 Max: 5.96
Current: 4.07
During the past 7 years, Bien Sparebank ASA's highest Yield on Cost was 5.96. The lowest was 2.98. And the median was 3.93.
FRA:JX0's 5-Year Yield-on-Cost % is ranked better than 51.91% of 1256
companies
in the Banks industry
Industry Median: 3.81
vs FRA:JX0: 4.07
Bien Sparebank ASA (FRA:JX0) 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.
Bien Sparebank ASA 5-Year Yield-on-Cost % Related Terms
Bien Sparebank ASA 5-Year Yield-on-Cost % Competitor Comparison
For the Banks - Regional subindustry, Bien Sparebank ASA'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.
Bien Sparebank ASA 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Bien Sparebank ASA's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Bien Sparebank ASA's 5-Year Yield-on-Cost % falls into.
Bien Sparebank ASA 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.
Bien Sparebank ASA (FRA:JX0) has a 5-Year Yield-on-Cost % of 4.07 as of Aug. 16, 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 Bien Sparebank ASA and its competitors. This is near median its historical median of 3.93. Over the past decade, Bien Sparebank ASA's 5-Year Yield-on-Cost % has ranged from 2.98 to 5.96. According to the industry distribution chart, Bien Sparebank ASA ranks #604 out of 1256 companies in the Banks industry, placing it in the top 48.1%.
Is Bien Sparebank ASA's 5-Year Yield-on-Cost % too high?
Bien Sparebank ASA's current 5-Year Yield-on-Cost % of 4.07 is near median its 10-year median of 3.93. Over the past 10 years, this metric has ranged from a low of 2.98 to a high of 5.96. The Banks industry median 5-Year Yield-on-Cost % is 3.81. Bien Sparebank ASA's value of 4.07 is 6.8% above this industry median. Based on the distribution chart, Bien Sparebank ASA ranks #604 out of 1256 companies in the Banks industry, which is above the industry midpoint. Overall, Bien Sparebank ASA has a GF Score™ of 69/100, reflecting its overall financial health beyond just this single metric.
How does Bien Sparebank ASA's 5-Year Yield-on-Cost % compare to competitors?
According to the Banks industry distribution chart, Bien Sparebank ASA ranks #604 out of 1256 companies for 5-Year Yield-on-Cost %. This puts Bien Sparebank ASA in the upper half of its industry. The industry median 5-Year Yield-on-Cost % is 3.81. Bien Sparebank ASA's value of 4.07 is 6.8% above this benchmark. Historically, Bien Sparebank ASA's own 5-Year Yield-on-Cost % has ranged from 2.98 to 5.96 over the past decade. While the company's 10-year median is 3.93 vs. the industry median of 3.81, Bien Sparebank ASA 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 3.81, based on 1,256 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. Bien Sparebank ASA's current 5-Year Yield-on-Cost % of 4.07 is 6.8% 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 Bien Sparebank ASA 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. Bien Sparebank ASA's current 5-Year Yield-on-Cost % is 4.07, which is near median its own 10-year median of 3.93. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bien Sparebank ASA stock overvalued right now?
Bien Sparebank ASA (FRA:JX0) has a current 5-Year Yield-on-Cost % of 4.07. The stock's GF Value™ is €12.23, compared to a current price of €12.70 — trading 3.8% above its estimated fair value. The current 5-Year Yield-on-Cost % is 4.07, which is near median its 10-year median of 3.93 and 6.8% above the Banks industry median of 3.81. Bien Sparebank ASA's overall GF Score™ is 69/100 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 Bien Sparebank ASA (FRA:JX0), the current 5-Year Yield-on-Cost % is 4.07 as of Aug. 16, 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 Bien Sparebank ASA (FRA:JX0) Overvalued in 2026?
Based on GuruFocus' analysis, Bien Sparebank ASA stock appears to be overvalued.
The current stock price of €12.70 is trading 3.8% above its estimated GF Value™ of €12.23.
Key valuation signals for FRA:JX0:
5-Year Yield-on-Cost %: 4.07 (near median its 10-year median of 3.93)
GF Value™: €12.23 vs. price of €12.70 (3.8% above fair value)
Industry Position: 6.8% above the Banks median (#604 of 1256)
No single metric tells the full story. See the FRA:JX0 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Bien Sparebank ASA is a independent savings bank. It is a close and accessible bank for individuals and businesses in the Oslo area. The company offers various services namely daily banking, saving, pension, insurance and others.
69GF Score
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