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Keweenaw FinancialKEFI 40 5-Year Yield-on-Cost % is 4.17 as of Aug. 28, 2026, which is 140% above its 10-year median of 1.74. GuruFocus rates KEFI with a GF Score™ of 40/100 and a GF Value™ of $95.45 (Significantly Undervalued). The stock has 1 warning sign investors should review. Among 1,247 Banks companies, Keweenaw Financial ranks better than 55.01% on this metric.
Keweenaw Financial's yield on cost for the quarter that ended in Dec. 2025 was 4.17.
The historical rank and industry rank for Keweenaw Financial's 5-Year Yield-on-Cost % or its related term are showing as below:
KEFI'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.84 Med: 1.74 Max: 4.17
Current: 4.17
During the past 5 years, Keweenaw Financial's highest Yield on Cost was 4.17. The lowest was 0.84. And the median was 1.74.
KEFI's 5-Year Yield-on-Cost % is ranked better than 55.01% of 1247
companies
in the Banks industry
Industry Median: 3.86
vs KEFI: 4.17
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.
Keweenaw Financial 5-Year Yield-on-Cost % Related Terms
KEFI vs OSBK, FFWC, NEFB: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, Keweenaw 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.
Keweenaw Financial 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Keweenaw Financial's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Keweenaw 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.
Keweenaw Financial (KEFI) has a 5-Year Yield-on-Cost % of 4.17 as of Aug. 28, 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 Keweenaw Financial and its competitors. This is 140% above median its historical median of 1.74. Over the past decade, Keweenaw Financial's 5-Year Yield-on-Cost % has ranged from 0.84 to 4.17. According to the industry distribution chart, Keweenaw Financial ranks #561 out of 1247 companies in the Banks industry, placing it in the top 45%.
Is Keweenaw Financial's 5-Year Yield-on-Cost % too high?
Keweenaw Financial's current 5-Year Yield-on-Cost % of 4.17 is 140% above median its 10-year median of 1.74. Over the past 10 years, this metric has ranged from a low of 0.84 to a high of 4.17. The Banks industry median 5-Year Yield-on-Cost % is 3.86. Keweenaw Financial's value of 4.17 is 8% above this industry median. Based on the distribution chart, Keweenaw Financial ranks #561 out of 1247 companies in the Banks industry, which is above the industry midpoint. Overall, Keweenaw Financial has a GF Score™ of 40/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Keweenaw Financial's 5-Year Yield-on-Cost % compare to OSBK and FFWC?
According to the Banks industry distribution chart, Keweenaw Financial ranks #561 out of 1247 companies for 5-Year Yield-on-Cost %. This puts Keweenaw Financial in the upper half of its industry. The industry median 5-Year Yield-on-Cost % is 3.86. Keweenaw Financial's value of 4.17 is 8% above this benchmark. Historically, Keweenaw Financial's own 5-Year Yield-on-Cost % has ranged from 0.84 to 4.17 over the past decade. While the company's 10-year median is 1.74 vs. the industry median of 3.86, Keweenaw Financial 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 3.86, based on 1,247 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. Keweenaw Financial's current 5-Year Yield-on-Cost % of 4.17 is 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 Keweenaw Financial and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.86 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Keweenaw Financial's current 5-Year Yield-on-Cost % is 4.17, which is 140% above median its own 10-year median of 1.74. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Keweenaw Financial stock overvalued right now?
Based on GuruFocus' analysis, Keweenaw Financial (KEFI) is currently considered Significantly Undervalued. The stock's GF Value™ is $95.45, compared to a current price of $48.00 — trading 49.7% below its estimated fair value. The current 5-Year Yield-on-Cost % is 4.17, which is 140% above median its 10-year median of 1.74 and 8% above the Banks industry median of 3.86. Keweenaw Financial's overall GF Score™ is 40/100 with 1 warning sign 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 Keweenaw Financial (KEFI), the current 5-Year Yield-on-Cost % is 4.17 as of Aug. 28, 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 Keweenaw Financial (KEFI) Overvalued in 2026?
Based on GuruFocus' analysis, Keweenaw Financial stock appears to be undervalued.
The current stock price of $48.00 is trading 49.7% below its estimated GF Value™ of $95.45.
GuruFocus considers Keweenaw Financial to be Significantly Undervalued.
Key valuation signals for KEFI:
5-Year Yield-on-Cost %: 4.17 (140% above median its 10-year median of 1.74)
GF Value™: $95.45 vs. price of $48.00 (49.7% below fair value)
Industry Position: 8% above the Banks median (#561 of 1247)
No single metric tells the full story. See the KEFI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Keweenaw Financial Corp provides a range of financial and trust services to individual and corporate customers. The Bank offers traditional banking products and services, including ATMs, online and telephone banking, and automated bill payment, along with commercial, real estate, and consumer lending. Its offerings also include various loan products, deposit accounts, online and mobile banking, investment management, retirement planning, credit and debit cards, safe deposit boxes, and other related financial services.
40GF Score
Get the complete analysis for KEFI
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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