Erste Bank PolskaLTS:0DVR 80 5-Year Yield-on-Cost % is 12.64 as of Jul. 13, 2026, which is 234% above its 10-year median of 3.78. GuruFocus rates LTS:0DVR with a GF Score™ of 80/100 and a GF Value™ of zł351.84 (Modestly Overvalued). The stock has 9 warning signs investors should review. Among 1,258 Banks companies, Erste Bank Polska ranks better than 79.57% on this metric.
Erste Bank Polska's yield on cost for the quarter that ended in Mar. 2026 was 12.64.
The historical rank and industry rank for Erste Bank Polska's 5-Year Yield-on-Cost % or its related term are showing as below:
LTS:0DVR'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.57 Med: 3.78 Max: 15.53
Current: 12.64
During the past 13 years, Erste Bank Polska's highest Yield on Cost was 15.53. The lowest was 0.57. And the median was 3.78.
LTS:0DVR's 5-Year Yield-on-Cost % is ranked better than 79.57% of 1258
companies
in the Banks industry
Industry Median: 3.89
vs LTS:0DVR: 12.64
Erste Bank Polska (LTS:0DVR) 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.
Erste Bank Polska 5-Year Yield-on-Cost % Related Terms
LTS:0DVR vs PNC: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, Erste Bank Polska'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.
Erste Bank Polska 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Erste Bank Polska's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Erste Bank Polska's 5-Year Yield-on-Cost % falls into.
Erste Bank Polska 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.
Erste Bank Polska (LTS:0DVR) has a 5-Year Yield-on-Cost % of 12.64 as of Jul. 13, 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 Erste Bank Polska and its competitors. This is 234% above median its historical median of 3.78. Over the past decade, Erste Bank Polska's 5-Year Yield-on-Cost % has ranged from 0.57 to 15.53. According to the industry distribution chart, Erste Bank Polska ranks #257 out of 1258 companies in the Banks industry, placing it in the top 20.4%.
Is Erste Bank Polska's 5-Year Yield-on-Cost % too high?
Erste Bank Polska's current 5-Year Yield-on-Cost % of 12.64 is 234% above median its 10-year median of 3.78. Over the past 10 years, this metric has ranged from a low of 0.57 to a high of 15.53. The Banks industry median 5-Year Yield-on-Cost % is 3.89. Erste Bank Polska's value of 12.64 is 224.9% above this industry median. Based on the distribution chart, Erste Bank Polska ranks #257 out of 1258 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Erste Bank Polska has a GF Score™ of 80/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Erste Bank Polska's 5-Year Yield-on-Cost % compare to PNC?
According to the Banks industry distribution chart, Erste Bank Polska ranks #257 out of 1258 companies for 5-Year Yield-on-Cost %. This places Erste Bank Polska in the top 20% of its industry — outperforming the majority of peers. The industry median 5-Year Yield-on-Cost % is 3.89. Erste Bank Polska's value of 12.64 is 224.9% above this benchmark. Historically, Erste Bank Polska's own 5-Year Yield-on-Cost % has ranged from 0.57 to 15.53 over the past decade. While the company's 10-year median is 3.78 vs. the industry median of 3.89, Erste Bank Polska 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 1,258 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. Erste Bank Polska's current 5-Year Yield-on-Cost % of 12.64 is 224.9% 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 Erste Bank Polska 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. Erste Bank Polska's current 5-Year Yield-on-Cost % is 12.64, which is 234% above median its own 10-year median of 3.78. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Erste Bank Polska stock overvalued right now?
Based on GuruFocus' analysis, Erste Bank Polska (LTS:0DVR) is currently considered Modestly Overvalued. The stock's GF Value™ is zł351.84, compared to a current price of zł395.55 — trading 12.4% above its estimated fair value. The current 5-Year Yield-on-Cost % is 12.64, which is 234% above median its 10-year median of 3.78 and 224.9% above the Banks industry median of 3.89. Erste Bank Polska's overall GF Score™ is 80/100 with 9 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 Erste Bank Polska (LTS:0DVR), the current 5-Year Yield-on-Cost % is 12.64 as of Jul. 13, 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 Erste Bank Polska (LTS:0DVR) Overvalued in 2026?
Based on GuruFocus' analysis, Erste Bank Polska stock appears to be overvalued.
The current stock price of zł395.55 is trading 12.4% above its estimated GF Value™ of zł351.84.
GuruFocus considers Erste Bank Polska to be Modestly Overvalued.
Key valuation signals for LTS:0DVR:
5-Year Yield-on-Cost %: 12.64 (234% above median its 10-year median of 3.78)
GF Value™: zł351.84 vs. price of zł395.55 (12.4% above fair value)
Industry Position: 224.9% above the Banks median (#257 of 1258)
No single metric tells the full story. See the LTS:0DVR stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Erste Bank Polska SA is a commercial bank. It provides financial products and services such as Personal accounts, Payment cards, Loans, Savings and investments, and products for overseas customers.
80GF 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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