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Hachijuni Nagano BankHACBY 56 5-Year Yield-on-Cost % is 11.40 as of Jul. 15, 2026, which is 6% below its 10-year median of 12.10. GuruFocus rates HACBY with a GF Score™ of 56/100 and a GF Value™ of $20.51 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,256 Banks companies, Hachijuni Nagano Bank ranks better than 85.19% on this metric.
Hachijuni Nagano Bank's yield on cost for the quarter that ended in Mar. 2026 was 11.40.
The historical rank and industry rank for Hachijuni Nagano Bank's 5-Year Yield-on-Cost % or its related term are showing as below:
HACBY'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 7.81 Med: 12.1 Max: 19.33
Current: 11.4
During the past 13 years, Hachijuni Nagano Bank's highest Yield on Cost was 19.33. The lowest was 7.81. And the median was 12.10.
HACBY's 5-Year Yield-on-Cost % is ranked better than 85.19% of 1256
companies
in the Banks industry
Industry Median: 3.885
vs HACBY: 11.40
Hachijuni Nagano Bank (OTCPK:HACBY) 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.
Hachijuni Nagano Bank 5-Year Yield-on-Cost % Related Terms
Hachijuni Nagano Bank 5-Year Yield-on-Cost % Competitor Comparison
For the Banks - Regional subindustry, Hachijuni Nagano 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.
Hachijuni Nagano Bank 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Hachijuni Nagano Bank's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Hachijuni Nagano Bank's 5-Year Yield-on-Cost % falls into.
Hachijuni Nagano 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.
Hachijuni Nagano Bank (HACBY) has a 5-Year Yield-on-Cost % of 11.40 as of Jul. 15, 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 Hachijuni Nagano Bank and its competitors. This is near median its historical median of 12.10. Over the past decade, Hachijuni Nagano Bank's 5-Year Yield-on-Cost % has ranged from 7.81 to 19.33. According to the industry distribution chart, Hachijuni Nagano Bank ranks #186 out of 1256 companies in the Banks industry, placing it in the top 14.8%.
Is Hachijuni Nagano Bank's 5-Year Yield-on-Cost % too high?
Hachijuni Nagano Bank's current 5-Year Yield-on-Cost % of 11.40 is near median its 10-year median of 12.10. Over the past 10 years, this metric has ranged from a low of 7.81 to a high of 19.33. The Banks industry median 5-Year Yield-on-Cost % is 3.89. Hachijuni Nagano Bank's value of 11.40 is 193.4% above this industry median. Based on the distribution chart, Hachijuni Nagano Bank ranks #186 out of 1256 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Hachijuni Nagano Bank has a GF Score™ of 56/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Hachijuni Nagano Bank's 5-Year Yield-on-Cost % compare to competitors?
According to the Banks industry distribution chart, Hachijuni Nagano Bank ranks #186 out of 1256 companies for 5-Year Yield-on-Cost %. This places Hachijuni Nagano Bank in the top 15% of its industry — outperforming the majority of peers. The industry median 5-Year Yield-on-Cost % is 3.89. Hachijuni Nagano Bank's value of 11.40 is 193.4% above this benchmark. Historically, Hachijuni Nagano Bank's own 5-Year Yield-on-Cost % has ranged from 7.81 to 19.33 over the past decade. While the company's 10-year median is 12.10 vs. the industry median of 3.89, Hachijuni Nagano 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 3.89, 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. Hachijuni Nagano Bank's current 5-Year Yield-on-Cost % of 11.40 is 193.4% 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 Hachijuni Nagano Bank and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.89 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Hachijuni Nagano Bank's current 5-Year Yield-on-Cost % is 11.40, which is near median its own 10-year median of 12.10. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Hachijuni Nagano Bank stock overvalued right now?
Based on GuruFocus' analysis, Hachijuni Nagano Bank (HACBY) is currently considered Significantly Overvalued. The stock's GF Value™ is $20.51, compared to a current price of $27.21 — trading 32.7% above its estimated fair value. The current 5-Year Yield-on-Cost % is 11.40, which is near median its 10-year median of 12.10 and 193.4% above the Banks industry median of 3.89. Hachijuni Nagano Bank's overall GF Score™ is 56/100 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 Hachijuni Nagano Bank (HACBY), the current 5-Year Yield-on-Cost % is 11.40 as of Jul. 15, 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 Hachijuni Nagano Bank (HACBY) Overvalued in 2026?
Based on GuruFocus' analysis, Hachijuni Nagano Bank stock appears to be overvalued.
The current stock price of $27.21 is trading 32.7% above its estimated GF Value™ of $20.51.
GuruFocus considers Hachijuni Nagano Bank to be Significantly Overvalued.
Key valuation signals for HACBY:
5-Year Yield-on-Cost %: 11.40 (near median its 10-year median of 12.10)
GF Value™: $20.51 vs. price of $27.21 (32.7% above fair value)
Industry Position: 193.4% above the Banks median (#186 of 1256)
No single metric tells the full story. See the HACBY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Hachijuni Nagano Bank Ltd is a Japan-based company that is principally engaged in banking. The company is a regional bank, with its business mainly based in Nagano Prefecture. The company's core business segments comprise the leasing business segment and the banking business segment, which encompasses the banking and credit card operations. The company generates the majority of revenue from the banking business segment. The majority of its branches are located in certain areas of Japan, and the firm also has a business presence in overseas markets such as Hong Kong, Dalian, Shanghai, and Bangkok.
56GF 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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