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IBW FinancialIBWC 41 5-Year Yield-on-Cost % is 0.13 as of Aug. 09, 2026, which is 71% below its 10-year median of 0.45. GuruFocus rates IBWC with a GF Score™ of 41/100 and a GF Value™ of $29.32 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,246 Banks companies, IBW Financial ranks worse than 98.64% on this metric.
IBW Financial's yield on cost for the quarter that ended in Dec. 2025 was 0.13.
The historical rank and industry rank for IBW Financial's 5-Year Yield-on-Cost % or its related term are showing as below:
IBWC'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.13 Med: 0.45 Max: 1
Current: 0.13
During the past 12 years, IBW Financial's highest Yield on Cost was 1.00. The lowest was 0.13. And the median was 0.45.
IBWC's 5-Year Yield-on-Cost % is ranked worse than 98.64% of 1246
companies
in the Banks industry
Industry Median: 3.81
vs IBWC: 0.13
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.
IBW Financial 5-Year Yield-on-Cost % Related Terms
IBWC vs PNBI, KFFB, CYSM: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, IBW Financial'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.
IBW Financial 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, IBW Financial's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where IBW Financial'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 IBW Financial is calculated as
IBW Financial (IBWC) has a 5-Year Yield-on-Cost % of 0.13 as of Aug. 09, 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 IBW Financial and its competitors. This is 71% below median its historical median of 0.45. Over the past decade, IBW Financial's 5-Year Yield-on-Cost % has ranged from 0.13 to 1.00. According to the industry distribution chart, IBW Financial ranks #1229 out of 1246 companies in the Banks industry, placing it in the top 98.6%.
Is IBW Financial's 5-Year Yield-on-Cost % too high?
IBW Financial's current 5-Year Yield-on-Cost % of 0.13 is 71% below median its 10-year median of 0.45. Over the past 10 years, this metric has ranged from a low of 0.13 to a high of 1.00. The Banks industry median 5-Year Yield-on-Cost % is 3.81. IBW Financial's value of 0.13 is 96.6% below this industry median. Based on the distribution chart, IBW Financial ranks #1229 out of 1246 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, IBW Financial has a GF Score™ of 41/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does IBW Financial's 5-Year Yield-on-Cost % compare to PNBI and KFFB?
According to the Banks industry distribution chart, IBW Financial ranks #1229 out of 1246 companies for 5-Year Yield-on-Cost %. This places IBW Financial in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.81. IBW Financial's value of 0.13 is 96.6% below this benchmark. Historically, IBW Financial's own 5-Year Yield-on-Cost % has ranged from 0.13 to 1.00 over the past decade. While the company's 10-year median is 0.45 vs. the industry median of 3.81, IBW Financial 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 3.81, based on 1,246 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. IBW Financial's current 5-Year Yield-on-Cost % of 0.13 is 96.6% 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 IBW Financial 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. IBW Financial's current 5-Year Yield-on-Cost % is 0.13, which is 71% below median its own 10-year median of 0.45. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is IBW Financial stock overvalued right now?
Based on GuruFocus' analysis, IBW Financial (IBWC) is currently considered Significantly Overvalued. The stock's GF Value™ is $29.32, compared to a current price of $80.00 — trading 172.9% above its estimated fair value. The current 5-Year Yield-on-Cost % is 0.13, which is 71% below median its 10-year median of 0.45 and 96.6% below the Banks industry median of 3.81. IBW Financial's overall GF Score™ is 41/100 with 7 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 IBW Financial (IBWC), the current 5-Year Yield-on-Cost % is 0.13 as of Aug. 09, 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 IBW Financial (IBWC) Overvalued in 2026?
Based on GuruFocus' analysis, IBW Financial stock appears to be overvalued.
The current stock price of $80.00 is trading 172.9% above its estimated GF Value™ of $29.32.
GuruFocus considers IBW Financial to be Significantly Overvalued.
Key valuation signals for IBWC:
5-Year Yield-on-Cost %: 0.13 (71% below median its 10-year median of 0.45)
GF Value™: $29.32 vs. price of $80.00 (172.9% above fair value)
Industry Position: 96.6% below the Banks median (#1229 of 1246)
No single metric tells the full story. See the IBWC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
IBW Financial Corp is a bank holding company. Through its banking subsidiary, it is engaged in offering a broad range of banking products, including a full line of business and personal savings and certificates of deposit, and other banking services. It also funds a variety of loan types, including commercial term loans and residential real estate loans, lines of credit, consumer loans, and letters of credit. The company's customers are mainly individuals and small businesses. Geographically, its primary market areas are in the District of Columbia and surrounding areas.
41GF Score
Get the complete analysis for IBWC
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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