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Bank OfgaFSE:8395 56 5-Year Yield-on-Cost % is 3.37 as of Jul. 21, 2026, which is 44% below its 10-year median of 6.06. GuruFocus rates FSE:8395 with a GF Score™ of 56/100 and a GF Value™ of 円2,852.84. The stock has 4 warning signs investors should review. Among 1,254 Banks companies, Bank Ofga ranks worse than 62.04% on this metric.
Bank Ofga's yield on cost for the quarter that ended in Mar. 2026 was 3.37.
The historical rank and industry rank for Bank Ofga's 5-Year Yield-on-Cost % or its related term are showing as below:
FSE:8395'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.13 Med: 6.06 Max: 11.96
Current: 3.37
During the past 13 years, Bank Ofga's highest Yield on Cost was 11.96. The lowest was 2.13. And the median was 6.06.
FSE:8395's 5-Year Yield-on-Cost % is ranked worse than 62.04% of 1254
companies
in the Banks industry
Industry Median: 3.865
vs FSE:8395: 3.37
Bank Ofga (FSE:8395) 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.
Bank Ofga 5-Year Yield-on-Cost % Related Terms
Bank Ofga 5-Year Yield-on-Cost % Competitor Comparison
For the Banks - Regional subindustry, Bank Ofga'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.
Bank Ofga 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Bank Ofga's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Bank Ofga'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 Bank Ofga is calculated as
Bank Ofga (FSE:8395) has a 5-Year Yield-on-Cost % of 3.37 as of Jul. 21, 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 Bank Ofga and its competitors. This is 44% below median its historical median of 6.06. Over the past decade, Bank Ofga's 5-Year Yield-on-Cost % has ranged from 2.13 to 11.96. According to the industry distribution chart, Bank Ofga ranks #778 out of 1254 companies in the Banks industry, placing it in the top 62%.
Is Bank Ofga's 5-Year Yield-on-Cost % too high?
Bank Ofga's current 5-Year Yield-on-Cost % of 3.37 is 44% below median its 10-year median of 6.06. Over the past 10 years, this metric has ranged from a low of 2.13 to a high of 11.96. The Banks industry median 5-Year Yield-on-Cost % is 3.87. Bank Ofga's value of 3.37 is 12.8% below this industry median. Based on the distribution chart, Bank Ofga ranks #778 out of 1254 companies in the Banks industry, which is below the industry midpoint. Overall, Bank Ofga has a GF Score™ of 56/100, reflecting its overall financial health beyond just this single metric.
How does Bank Ofga's 5-Year Yield-on-Cost % compare to competitors?
According to the Banks industry distribution chart, Bank Ofga ranks #778 out of 1254 companies for 5-Year Yield-on-Cost %. This places Bank Ofga in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.87. Bank Ofga's value of 3.37 is 12.8% below this benchmark. Historically, Bank Ofga's own 5-Year Yield-on-Cost % has ranged from 2.13 to 11.96 over the past decade. While the company's 10-year median is 6.06 vs. the industry median of 3.87, Bank Ofga 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 3.87, based on 1,254 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. Bank Ofga's current 5-Year Yield-on-Cost % of 3.37 is 12.8% 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 Bank Ofga and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.87 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bank Ofga's current 5-Year Yield-on-Cost % is 3.37, which is 44% below median its own 10-year median of 6.06. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bank Ofga stock overvalued right now?
Bank Ofga (FSE:8395) has a current 5-Year Yield-on-Cost % of 3.37. The stock's GF Value™ is 円2,852.84, compared to a current price of 円5,110.00 — trading 79.1% above its estimated fair value. The current 5-Year Yield-on-Cost % is 3.37, which is 44% below median its 10-year median of 6.06 and 12.8% below the Banks industry median of 3.87. Bank Ofga's overall GF Score™ is 56/100 with 4 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 Bank Ofga (FSE:8395), the current 5-Year Yield-on-Cost % is 3.37 as of Jul. 21, 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 Bank Ofga (FSE:8395) Overvalued in 2026?
Based on GuruFocus' analysis, Bank Ofga stock appears to be overvalued.
The current stock price of 円5,110.00 is trading 79.1% above its estimated GF Value™ of 円2,852.84.
Key valuation signals for FSE:8395:
5-Year Yield-on-Cost %: 3.37 (44% below median its 10-year median of 6.06)
GF Value™: 円2,852.84 vs. price of 円5,110.00 (79.1% above fair value)
Industry Position: 12.8% below the Banks median (#778 of 1254)
No single metric tells the full story. See the FSE:8395 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Bank Of Saga Ltd provides banking and other financial services in Japan. The bank offers deposits account such as current, ordinary, settlement, savings, time deposits, and other deposits. It also provides loans, private placements bonds, venture company support, government bonds, municipal and corporate bonds, stocks and other securities. In addition, the bank also renders services including corporate internet banking service, foreign exchange services, telephone, and direct payment service of treasury funds and many more.
56GF Score
Get the complete analysis for FSE:8395
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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