Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
National Bank of GreeceNBGIF 56 5-Year Yield-on-Cost % is 3.37 as of Jul. 22, 2026, which is 25% below its 10-year median of 4.49. GuruFocus rates NBGIF with a GF Score™ of 56/100 and a GF Value™ of $9.23 (Significantly Overvalued). The stock has 8 warning signs investors should review. Among 1,251 Banks companies, National Bank of Greece ranks worse than 55.8% on this metric.
The historical rank and industry rank for National Bank of Greece's 5-Year Yield-on-Cost % or its related term are showing as below:
NBGIF'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 3.19 Med: 4.49 Max: 7.31
Current: 3.37
During the past 13 years, National Bank of Greece's highest Yield on Cost was 7.31. The lowest was 3.19. And the median was 4.49.
NBGIF's 5-Year Yield-on-Cost % is ranked worse than 55.8% of 1251
companies
in the Banks industry
Industry Median: 3.88
vs NBGIF: 3.37
National Bank of Greece (OTCPK:NBGIF) 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.
National Bank of Greece 5-Year Yield-on-Cost % Related Terms
NBGIF vs PNC, USB: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, National Bank of Greece'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.
National Bank of Greece 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, National Bank of Greece's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where National Bank of Greece's 5-Year Yield-on-Cost % falls into.
National Bank of Greece 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.
National Bank of Greece (NBGIF) has a 5-Year Yield-on-Cost % of 3.37 as of Jul. 22, 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 National Bank of Greece and its competitors. This is 25% below median its historical median of 4.49. Over the past decade, National Bank of Greece's 5-Year Yield-on-Cost % has ranged from 3.19 to 7.31. According to the industry distribution chart, National Bank of Greece ranks #698 out of 1251 companies in the Banks industry, placing it in the top 55.8%.
Is National Bank of Greece's 5-Year Yield-on-Cost % too high?
National Bank of Greece's current 5-Year Yield-on-Cost % of 3.37 is 25% below median its 10-year median of 4.49. Over the past 10 years, this metric has ranged from a low of 3.19 to a high of 7.31. The Banks industry median 5-Year Yield-on-Cost % is 3.88. National Bank of Greece's value of 3.37 is 13.1% below this industry median. Based on the distribution chart, National Bank of Greece ranks #698 out of 1251 companies in the Banks industry, which is below the industry midpoint. Overall, National Bank of Greece has a GF Score™ of 56/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does National Bank of Greece's 5-Year Yield-on-Cost % compare to PNC and USB?
According to the Banks industry distribution chart, National Bank of Greece ranks #698 out of 1251 companies for 5-Year Yield-on-Cost %. This places National Bank of Greece in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.88. National Bank of Greece's value of 3.37 is 13.1% below this benchmark. Historically, National Bank of Greece's own 5-Year Yield-on-Cost % has ranged from 3.19 to 7.31 over the past decade. While the company's 10-year median is 4.49 vs. the industry median of 3.88, National Bank of Greece 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 3.88, based on 1,251 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. National Bank of Greece's current 5-Year Yield-on-Cost % of 3.37 is 13.1% 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 National Bank of Greece and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. National Bank of Greece's current 5-Year Yield-on-Cost % is 3.37, which is 25% below median its own 10-year median of 4.49. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is National Bank of Greece stock overvalued right now?
Based on GuruFocus' analysis, National Bank of Greece (NBGIF) is currently considered Significantly Overvalued. The stock's GF Value™ is $9.23, compared to a current price of $17.73 — trading 92% above its estimated fair value. The current 5-Year Yield-on-Cost % is 3.37, which is 25% below median its 10-year median of 4.49 and 13.1% below the Banks industry median of 3.88. National Bank of Greece's overall GF Score™ is 56/100 with 8 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 National Bank of Greece (NBGIF), the current 5-Year Yield-on-Cost % is 3.37 as of Jul. 22, 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 National Bank of Greece (NBGIF) Overvalued in 2026?
Based on GuruFocus' analysis, National Bank of Greece stock appears to be overvalued.
The current stock price of $17.73 is trading 92% above its estimated GF Value™ of $9.23.
GuruFocus considers National Bank of Greece to be Significantly Overvalued.
Key valuation signals for NBGIF:
5-Year Yield-on-Cost %: 3.37 (25% below median its 10-year median of 4.49)
GF Value™: $9.23 vs. price of $17.73 (92% above fair value)
Industry Position: 13.1% below the Banks median (#698 of 1251)
No single metric tells the full story. See the NBGIF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
National Bank of Greece SA consists of several subsidiaries offering diverse financial services, including retail, corporate, and investment banking, specialized asset solutions, transactional banking, leasing, factoring, brokerage, asset management, real estate management, and bancassurance-related services. Its segments include Retail Banking, Corporate and Investment Banking, Trouble Assets Units, Global Markets and Asset Management, International Banking Operations, and Other. The group generates maximum revenue from the Retail Banking segment, which, through its branch network and digital business, offers various types of loans (mortgage, consumer, and small business lending), cards (debit, credit, and prepaid cards), deposits, investment, bancassurance, and other products.
56GF Score
Get the complete analysis for NBGIF
5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
NBGIF has been successfully added to your 
