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Zambia National Commercial BankLUS:ZNCO 79 5-Year Yield-on-Cost % is 5.17 as of Sep. 13, 2026, which is 29% below its 10-year median of 7.30. GuruFocus rates LUS:ZNCO with a GF Score™ of 79/100 and a GF Value™ of ZMW6.21 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,241 Banks companies, Zambia National Commercial Bank ranks better than 66.08% on this metric.
Zambia National Commercial Bank (LUS:ZNCO) 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.
Zambia National Commercial Bank 5-Year Yield-on-Cost % Related Terms
LUS:ZNCO vs USB, PNC: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, Zambia National Commercial 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.
Zambia National Commercial Bank 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Zambia National Commercial Bank's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Zambia National Commercial Bank's 5-Year Yield-on-Cost % falls into.
Zambia National Commercial 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.
Zambia National Commercial Bank (LUS:ZNCO) has a 5-Year Yield-on-Cost % of 5.17 as of Sep. 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 Zambia National Commercial Bank and its competitors. This is 29% below median its historical median of 7.30. Over the past decade, Zambia National Commercial Bank's 5-Year Yield-on-Cost % has ranged from 4.41 to 9.81. According to the industry distribution chart, Zambia National Commercial Bank ranks #421 out of 1241 companies in the Banks industry, placing it in the top 33.9%.
Is Zambia National Commercial Bank's 5-Year Yield-on-Cost % too high?
Zambia National Commercial Bank's current 5-Year Yield-on-Cost % of 5.17 is 29% below median its 10-year median of 7.30. Over the past 10 years, this metric has ranged from a low of 4.41 to a high of 9.81. The Banks industry median 5-Year Yield-on-Cost % is 3.84. Zambia National Commercial Bank's value of 5.17 is 34.6% above this industry median. Based on the distribution chart, Zambia National Commercial Bank ranks #421 out of 1241 companies in the Banks industry, which is above the industry midpoint. Overall, Zambia National Commercial Bank has a GF Score™ of 79/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Zambia National Commercial Bank's 5-Year Yield-on-Cost % compare to USB and PNC?
According to the Banks industry distribution chart, Zambia National Commercial Bank ranks #421 out of 1241 companies for 5-Year Yield-on-Cost %. This puts Zambia National Commercial Bank in the upper half of its industry. The industry median 5-Year Yield-on-Cost % is 3.84. Zambia National Commercial Bank's value of 5.17 is 34.6% above this benchmark. Historically, Zambia National Commercial Bank's own 5-Year Yield-on-Cost % has ranged from 4.41 to 9.81 over the past decade. While the company's 10-year median is 7.30 vs. the industry median of 3.84, Zambia National Commercial 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 3.84, based on 1,241 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. Zambia National Commercial Bank's current 5-Year Yield-on-Cost % of 5.17 is 34.6% 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 Zambia National Commercial Bank and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.84 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Zambia National Commercial Bank's current 5-Year Yield-on-Cost % is 5.17, which is 29% below median its own 10-year median of 7.30. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Zambia National Commercial Bank stock overvalued right now?
Based on GuruFocus' analysis, Zambia National Commercial Bank (LUS:ZNCO) is currently considered Significantly Overvalued. The stock's GF Value™ is ZMW6.21, compared to a current price of ZMW9.43 — trading 51.9% above its estimated fair value. The current 5-Year Yield-on-Cost % is 5.17, which is 29% below median its 10-year median of 7.30 and 34.6% above the Banks industry median of 3.84. Zambia National Commercial Bank's overall GF Score™ is 79/100 with 5 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 Zambia National Commercial Bank (LUS:ZNCO), the current 5-Year Yield-on-Cost % is 5.17 as of Sep. 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 Zambia National Commercial Bank (LUS:ZNCO) Overvalued in 2026?
Based on GuruFocus' analysis, Zambia National Commercial Bank stock appears to be overvalued.
The current stock price of ZMW9.43 is trading 51.9% above its estimated GF Value™ of ZMW6.21.
GuruFocus considers Zambia National Commercial Bank to be Significantly Overvalued.
Key valuation signals for LUS:ZNCO:
5-Year Yield-on-Cost %: 5.17 (29% below median its 10-year median of 7.30)
GF Value™: ZMW6.21 vs. price of ZMW9.43 (51.9% above fair value)
Industry Position: 34.6% above the Banks median (#421 of 1241)
No single metric tells the full story. See the LUS:ZNCO stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Zambia National Commercial Bank PLC offers commercial banking services. Its principal activities include: the provision of retail, commercial Banking and related services to the general public, the provision of payment and technology solutions through the Digital Shared Services Limited (DSSL), and offering tailored insurance and risk advisory services. The company's segments include: Corporate Banking, Business Banking, Retail Banking, Digital Banking, and Treasury Management. The majority of revenue is derived from the Corporate banking segment, which provides corporate and investment banking solutions that incorporate direct debit facilities, deposit products, overdrafts, loans and other credit facilities and foreign currency solutions.
79GF Score
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