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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.
Highlands Bankshares (WV) 5-Year Yield-on-Cost % Related Terms
HBSI vs LUMB, HLFN, BSPA: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, Highlands Bankshares (WV)'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.
Highlands Bankshares (WV) 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Highlands Bankshares (WV)'s 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Highlands Bankshares (WV)'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.
Highlands Bankshares (WV) (HBSI) has a 5-Year Yield-on-Cost % of 3.90 as of Aug. 03, 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 Highlands Bankshares (WV) and its competitors.
Is Highlands Bankshares (WV)'s 5-Year Yield-on-Cost % too high?
Highlands Bankshares (WV)'s current 5-Year Yield-on-Cost % is 3.90. The Banks industry median 5-Year Yield-on-Cost % is 3.83. Highlands Bankshares (WV)'s value of 3.90 is 2% above this industry median. Overall, Highlands Bankshares (WV) has a GF Score™ of 12/100, reflecting its overall financial health beyond just this single metric.
How does Highlands Bankshares (WV)'s 5-Year Yield-on-Cost % compare to LUMB and HLFN?
Highlands Bankshares (WV)'s 5-Year Yield-on-Cost % of 3.90 can be compared against companies in the Banks industry. The industry median 5-Year Yield-on-Cost % is 3.83. Highlands Bankshares (WV)'s value of 3.90 is 2% above this benchmark. 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 3.83, 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. Highlands Bankshares (WV)'s current 5-Year Yield-on-Cost % of 3.90 is 2% 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 Highlands Bankshares (WV) and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.83 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Highlands Bankshares (WV)'s current 5-Year Yield-on-Cost % is 3.90. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Highlands Bankshares (WV) stock overvalued right now?
Highlands Bankshares (WV) (HBSI) has a current 5-Year Yield-on-Cost % of 3.90. The current 5-Year Yield-on-Cost % is 3.90 and 2% above the Banks industry median of 3.83. Highlands Bankshares (WV)'s overall GF Score™ is 12/100. 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 Highlands Bankshares (WV) (HBSI), the current 5-Year Yield-on-Cost % is 3.90 as of Aug. 03, 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.
Highlands Bankshares Inc (WV) operates as a holding company, which engages in the provision of financial and banking services through its subsidiaries. It offers a variety of services, including commercial and individual demand and time deposit accounts, commercial and individual loans, drive-in banking services, and automatic teller machine banking. The banks provide services to customers located mainly in Grant, Hardy, Hampshire, Mineral, Pendleton, Randolph, and Tucker counties of West Virginia, including the towns of Petersburg, Keyser, Moorefield, Davis, and Wardensville.
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