MBT BancsharesMBKL +0.37%62 5-Year Yield-on-Cost % is 3.76 as of Jul. 12, 2026, which is 19% below its 10-year median of 4.64. GuruFocus rates MBKL with a GF Score™ of 62/100 and a GF Value™ of $24.47 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,258 Banks companies, MBT Bancshares ranks worse than 52.7% on this metric.
MBT Bancshares's yield on cost for the quarter that ended in Dec. 2025 was 3.76.
The historical rank and industry rank for MBT Bancshares's 5-Year Yield-on-Cost % or its related term are showing as below:
MBKL'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 3.61 Med: 4.64 Max: 5.97
Current: 3.76
During the past 13 years, MBT Bancshares's highest Yield on Cost was 5.97. The lowest was 3.61. And the median was 4.64.
MBKL's 5-Year Yield-on-Cost % is ranked worse than 52.7% of 1258
companies
in the Banks industry
Industry Median: 3.89
vs MBKL: 3.76
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.
MBT Bancshares 5-Year Yield-on-Cost % Related Terms
MBKL vs BSPA, KEFI, CIZN: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, MBT Bancshares'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.
MBT Bancshares 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, MBT Bancshares's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where MBT Bancshares'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 MBT Bancshares is calculated as
MBT Bancshares (MBKL) has a 5-Year Yield-on-Cost % of 3.76 as of Jul. 12, 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 MBT Bancshares and its competitors. This is 19% below median its historical median of 4.64. Over the past decade, MBT Bancshares' 5-Year Yield-on-Cost % has ranged from 3.61 to 5.97. According to the industry distribution chart, MBT Bancshares ranks #663 out of 1258 companies in the Banks industry, placing it in the top 52.7%.
Is MBT Bancshares' 5-Year Yield-on-Cost % too high?
MBT Bancshares' current 5-Year Yield-on-Cost % of 3.76 is 19% below median its 10-year median of 4.64. Over the past 10 years, this metric has ranged from a low of 3.61 to a high of 5.97. The Banks industry median 5-Year Yield-on-Cost % is 3.89. MBT Bancshares' value of 3.76 is 3.3% below this industry median. Based on the distribution chart, MBT Bancshares ranks #663 out of 1258 companies in the Banks industry, which is below the industry midpoint. Overall, MBT Bancshares has a GF Score™ of 62/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does MBT Bancshares' 5-Year Yield-on-Cost % compare to BSPA and KEFI?
According to the Banks industry distribution chart, MBT Bancshares ranks #663 out of 1258 companies for 5-Year Yield-on-Cost %. This places MBT Bancshares in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.89. MBT Bancshares' value of 3.76 is 3.3% below this benchmark. Historically, MBT Bancshares' own 5-Year Yield-on-Cost % has ranged from 3.61 to 5.97 over the past decade. While the company's 10-year median is 4.64 vs. the industry median of 3.89, MBT Bancshares 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 3.89, 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. MBT Bancshares's current 5-Year Yield-on-Cost % of 3.76 is 3.3% 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 MBT Bancshares 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. MBT Bancshares's current 5-Year Yield-on-Cost % is 3.76, which is 19% below median its own 10-year median of 4.64. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is MBT Bancshares stock overvalued right now?
Based on GuruFocus' analysis, MBT Bancshares (MBKL) is currently considered Modestly Overvalued. The stock's GF Value™ is $24.47, compared to a current price of $27.10 — trading 10.7% above its estimated fair value. The current 5-Year Yield-on-Cost % is 3.76, which is 19% below median its 10-year median of 4.64 and 3.3% below the Banks industry median of 3.89. MBT Bancshares' overall GF Score™ is 62/100 with 4 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 MBT Bancshares (MBKL), the current 5-Year Yield-on-Cost % is 3.76 as of Jul. 12, 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 MBT Bancshares (MBKL) Overvalued in 2026?
Based on GuruFocus' analysis, MBT Bancshares stock appears to be overvalued.
The current stock price of $27.10 is trading 10.7% above its estimated GF Value™ of $24.47.
GuruFocus considers MBT Bancshares to be Modestly Overvalued.
Key valuation signals for MBKL:
5-Year Yield-on-Cost %: 3.76 (19% below median its 10-year median of 4.64)
GF Value™: $24.47 vs. price of $27.10 (10.7% above fair value)
Industry Position: 3.3% below the Banks median (#663 of 1258)
No single metric tells the full story. See the MBKL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
MBT Bancshares Inc is a United States-based company providing commercial banking services. It offers personal banking and business banking services. The services portfolio includes online banking service, checking accounts service, savings account facility, card services, and other services.
62GF Score
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