United Bank for AfricaNSA:UBA +2.37%77 5-Year Yield-on-Cost % is 3.49 as of Jul. 11, 2026, which is 95% below its 10-year median of 65.88. GuruFocus rates NSA:UBA with a GF Score™ of 77/100 and a GF Value™ of ₦35.96 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,253 Banks companies, United Bank for Africa ranks worse than 56.98% on this metric.
United Bank for Africa's yield on cost for the quarter that ended in Dec. 2025 was 3.49.
The historical rank and industry rank for United Bank for Africa's 5-Year Yield-on-Cost % or its related term are showing as below:
NSA:UBA'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 3.49 Med: 65.88 Max: 157.04
Current: 3.49
During the past 13 years, United Bank for Africa's highest Yield on Cost was 157.04. The lowest was 3.49. And the median was 65.88.
NSA:UBA's 5-Year Yield-on-Cost % is ranked worse than 56.98% of 1253
companies
in the Banks industry
Industry Median: 3.89
vs NSA:UBA: 3.49
United Bank for Africa (NSA:UBA) 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.
United Bank for Africa 5-Year Yield-on-Cost % Related Terms
NSA:UBA vs JPM, BAC, WFC: 5-Year Yield-on-Cost % Comparison
For the Banks - Diversified subindustry, United Bank for Africa'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.
United Bank for Africa 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, United Bank for Africa's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where United Bank for Africa's 5-Year Yield-on-Cost % falls into.
United Bank for Africa 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.
United Bank for Africa (NSA:UBA) has a 5-Year Yield-on-Cost % of 3.49 as of Jul. 11, 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 United Bank for Africa and its competitors. This is 95% below median its historical median of 65.88. Over the past decade, United Bank for Africa's 5-Year Yield-on-Cost % has ranged from 3.49 to 157.04. According to the industry distribution chart, United Bank for Africa ranks #714 out of 1253 companies in the Banks industry, placing it in the top 57%.
Is United Bank for Africa's 5-Year Yield-on-Cost % too high?
United Bank for Africa's current 5-Year Yield-on-Cost % of 3.49 is 95% below median its 10-year median of 65.88. Over the past 10 years, this metric has ranged from a low of 3.49 to a high of 157.04. The Banks industry median 5-Year Yield-on-Cost % is 3.89. United Bank for Africa's value of 3.49 is 10.3% below this industry median. Based on the distribution chart, United Bank for Africa ranks #714 out of 1253 companies in the Banks industry, which is below the industry midpoint. Overall, United Bank for Africa has a GF Score™ of 77/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does United Bank for Africa's 5-Year Yield-on-Cost % compare to JPM and BAC?
According to the Banks industry distribution chart, United Bank for Africa ranks #714 out of 1253 companies for 5-Year Yield-on-Cost %. This places United Bank for Africa in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.89. United Bank for Africa's value of 3.49 is 10.3% below this benchmark. Historically, United Bank for Africa's own 5-Year Yield-on-Cost % has ranged from 3.49 to 157.04 over the past decade. While the company's 10-year median is 65.88 vs. the industry median of 3.89, United Bank for Africa 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 1,253 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. United Bank for Africa's current 5-Year Yield-on-Cost % of 3.49 is 10.3% 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 United Bank for Africa 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. United Bank for Africa's current 5-Year Yield-on-Cost % is 3.49, which is 95% below median its own 10-year median of 65.88. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is United Bank for Africa stock overvalued right now?
Based on GuruFocus' analysis, United Bank for Africa (NSA:UBA) is currently considered Modestly Overvalued. The stock's GF Value™ is ₦35.96, compared to a current price of ₦41.00 — trading 14% above its estimated fair value. The current 5-Year Yield-on-Cost % is 3.49, which is 95% below median its 10-year median of 65.88 and 10.3% below the Banks industry median of 3.89. United Bank for Africa's overall GF Score™ is 77/100 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 United Bank for Africa (NSA:UBA), the current 5-Year Yield-on-Cost % is 3.49 as of Jul. 11, 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 United Bank for Africa (NSA:UBA) Overvalued in 2026?
Based on GuruFocus' analysis, United Bank for Africa stock appears to be overvalued.
The current stock price of ₦41.00 is trading 14% above its estimated GF Value™ of ₦35.96.
GuruFocus considers United Bank for Africa to be Modestly Overvalued.
Key valuation signals for NSA:UBA:
5-Year Yield-on-Cost %: 3.49 (95% below median its 10-year median of 65.88)
GF Value™: ₦35.96 vs. price of ₦41.00 (14% above fair value)
Industry Position: 10.3% below the Banks median (#714 of 1253)
No single metric tells the full story. See the NSA:UBA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
United Bank for Africa PLC is a financial services institution. It offers banking and other financial and pension fund custody services. The geographical segments are Nigeria, the Rest of Africa and the Rest of the world. The business segments of the company are 1) Corporate Banking, which provides financial solutions to multinationals, regional companies, state-owned companies, non-governmental organizations, international and multinational organizations and financial institutions. 2) Retail/ Commercial banking segment products and services to the middle and retail segments of the market. 3) Treasury and Financial Markets segment provide financing and risk management solutions and advisory services to the company's corporate and institutional customers.
77GF 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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