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The historical rank and industry rank for Sterling Financial Holdings Co's 5-Year Yield-on-Cost % or its related term are showing as below:
NSA:STERLINGNG'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.73 Med: 3.21 Max: 7.37
Current: 2.25
During the past 13 years, Sterling Financial Holdings Co's highest Yield on Cost was 7.37. The lowest was 0.73. And the median was 3.21.
NSA:STERLINGNG's 5-Year Yield-on-Cost % is ranked worse than 77.73% of 1253
companies
in the Banks industry
Industry Median: 3.77
vs NSA:STERLINGNG: 2.25
Sterling Financial Holdings Co (NSA:STERLINGNG) 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.
Sterling Financial Holdings Co 5-Year Yield-on-Cost % Related Terms
NSA:STERLINGNG vs PNC, USB: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, Sterling Financial Holdings Co'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.
Sterling Financial Holdings Co 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Sterling Financial Holdings Co's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Sterling Financial Holdings Co's 5-Year Yield-on-Cost % falls into.
Sterling Financial Holdings Co 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.
Sterling Financial Holdings Co (NSA:STERLINGNG) has a 5-Year Yield-on-Cost % of 2.25 as of Aug. 06, 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 Sterling Financial Holdings Co and its competitors. This is 30% below median its historical median of 3.21. Over the past decade, Sterling Financial Holdings Co's 5-Year Yield-on-Cost % has ranged from 0.73 to 7.37. According to the industry distribution chart, Sterling Financial Holdings Co ranks #974 out of 1253 companies in the Banks industry, placing it in the top 77.7%.
Is Sterling Financial Holdings Co's 5-Year Yield-on-Cost % too high?
Sterling Financial Holdings Co's current 5-Year Yield-on-Cost % of 2.25 is 30% below median its 10-year median of 3.21. Over the past 10 years, this metric has ranged from a low of 0.73 to a high of 7.37. The Banks industry median 5-Year Yield-on-Cost % is 3.77. Sterling Financial Holdings Co's value of 2.25 is 40.3% below this industry median. Based on the distribution chart, Sterling Financial Holdings Co ranks #974 out of 1253 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Sterling Financial Holdings Co has a GF Score™ of 48/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Sterling Financial Holdings Co's 5-Year Yield-on-Cost % compare to PNC and USB?
According to the Banks industry distribution chart, Sterling Financial Holdings Co ranks #974 out of 1253 companies for 5-Year Yield-on-Cost %. This places Sterling Financial Holdings Co in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.77. Sterling Financial Holdings Co's value of 2.25 is 40.3% below this benchmark. Historically, Sterling Financial Holdings Co's own 5-Year Yield-on-Cost % has ranged from 0.73 to 7.37 over the past decade. While the company's 10-year median is 3.21 vs. the industry median of 3.77, Sterling Financial Holdings Co 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 3.77, based on 1,253 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. Sterling Financial Holdings Co's current 5-Year Yield-on-Cost % of 2.25 is 40.3% 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 Sterling Financial Holdings Co and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.77 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sterling Financial Holdings Co's current 5-Year Yield-on-Cost % is 2.25, which is 30% below median its own 10-year median of 3.21. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Sterling Financial Holdings Co stock overvalued right now?
Based on GuruFocus' analysis, Sterling Financial Holdings Co (NSA:STERLINGNG) is currently considered Significantly Overvalued. The stock's GF Value™ is ₦5.76, compared to a current price of ₦7.65 — trading 32.8% above its estimated fair value. The current 5-Year Yield-on-Cost % is 2.25, which is 30% below median its 10-year median of 3.21 and 40.3% below the Banks industry median of 3.77. Sterling Financial Holdings Co's overall GF Score™ is 48/100 with 6 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 Sterling Financial Holdings Co (NSA:STERLINGNG), the current 5-Year Yield-on-Cost % is 2.25 as of Aug. 06, 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 Sterling Financial Holdings Co (NSA:STERLINGNG) Overvalued in 2026?
Based on GuruFocus' analysis, Sterling Financial Holdings Co stock appears to be overvalued.
The current stock price of ₦7.65 is trading 32.8% above its estimated GF Value™ of ₦5.76.
GuruFocus considers Sterling Financial Holdings Co to be Significantly Overvalued.
Key valuation signals for NSA:STERLINGNG:
5-Year Yield-on-Cost %: 2.25 (30% below median its 10-year median of 3.21)
GF Value™: ₦5.76 vs. price of ₦7.65 (32.8% above fair value)
Industry Position: 40.3% below the Banks median (#974 of 1253)
No single metric tells the full story. See the NSA:STERLINGNG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Sterling Financial Holdings Co PLC is a developer of a nonoperating financial holding structure designed to support and grow a diversified portfolio of banking and financial service companies. The company offers commercial banking, non-interest banking, and asset management through subsidiaries, enabling individuals, businesses, and institutions to access loans, trade finance, digital banking, and investment products. The Group has five reportable segments: Retail Banking, Commercial Banking, Institutional Banking, Corporate & Investment Banking, and Special Purpose Vehicle (SPV), which are the Bank's strategic business units.
48GF Score
Get the complete analysis for NSA:STERLINGNG
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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