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Wema BankNSA:WEMA +1.50%70 5-Year Yield-on-Cost % is 37.01 as of Jul. 19, 2026, which is 22% below its 10-year median of 47.18. GuruFocus rates NSA:WEMA with a GF Score™ of 70/100 and a GF Value™ of ₦13.11 (Significantly Overvalued). The stock has 2 warning signs investors should review. Among 1,259 Banks companies, Wema Bank ranks better than 97.93% on this metric.
Wema Bank's yield on cost for the quarter that ended in Dec. 2025 was 37.01.
The historical rank and industry rank for Wema Bank's 5-Year Yield-on-Cost % or its related term are showing as below:
NSA:WEMA'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 21.97 Med: 47.18 Max: 75.01
Current: 37.01
During the past 13 years, Wema Bank's highest Yield on Cost was 75.01. The lowest was 21.97. And the median was 47.18.
NSA:WEMA's 5-Year Yield-on-Cost % is ranked better than 97.93% of 1259
companies
in the Banks industry
Industry Median: 3.86
vs NSA:WEMA: 37.01
Wema Bank (NSA:WEMA) 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.
Wema Bank 5-Year Yield-on-Cost % Related Terms
Wema Bank 5-Year Yield-on-Cost % Competitor Comparison
For the Banks - Regional subindustry, Wema 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.
Wema Bank 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Wema Bank's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Wema Bank'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 Wema Bank is calculated as
Wema Bank (NSA:WEMA) has a 5-Year Yield-on-Cost % of 37.01 as of Jul. 19, 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 Wema Bank and its competitors. This is 22% below median its historical median of 47.18. Over the past decade, Wema Bank's 5-Year Yield-on-Cost % has ranged from 21.97 to 75.01. According to the industry distribution chart, Wema Bank ranks #26 out of 1259 companies in the Banks industry, placing it in the top 2.1%.
Is Wema Bank's 5-Year Yield-on-Cost % too high?
Wema Bank's current 5-Year Yield-on-Cost % of 37.01 is 22% below median its 10-year median of 47.18. Over the past 10 years, this metric has ranged from a low of 21.97 to a high of 75.01. The Banks industry median 5-Year Yield-on-Cost % is 3.86. Wema Bank's value of 37.01 is 858.8% above this industry median. Based on the distribution chart, Wema Bank ranks #26 out of 1259 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Wema Bank has a GF Score™ of 70/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Wema Bank's 5-Year Yield-on-Cost % compare to competitors?
According to the Banks industry distribution chart, Wema Bank ranks #26 out of 1259 companies for 5-Year Yield-on-Cost %. This places Wema Bank in the top 2% of its industry — outperforming the majority of peers. The industry median 5-Year Yield-on-Cost % is 3.86. Wema Bank's value of 37.01 is 858.8% above this benchmark. Historically, Wema Bank's own 5-Year Yield-on-Cost % has ranged from 21.97 to 75.01 over the past decade. While the company's 10-year median is 47.18 vs. the industry median of 3.86, Wema 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 3.86, based on 1,259 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. Wema Bank's current 5-Year Yield-on-Cost % of 37.01 is 858.8% 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 Wema Bank and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.86 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Wema Bank's current 5-Year Yield-on-Cost % is 37.01, which is 22% below median its own 10-year median of 47.18. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Wema Bank stock overvalued right now?
Based on GuruFocus' analysis, Wema Bank (NSA:WEMA) is currently considered Significantly Overvalued. The stock's GF Value™ is ₦13.11, compared to a current price of ₦30.45 — trading 132.3% above its estimated fair value. The current 5-Year Yield-on-Cost % is 37.01, which is 22% below median its 10-year median of 47.18 and 858.8% above the Banks industry median of 3.86. Wema Bank's overall GF Score™ is 70/100 with 2 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 Wema Bank (NSA:WEMA), the current 5-Year Yield-on-Cost % is 37.01 as of Jul. 19, 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 Wema Bank (NSA:WEMA) Overvalued in 2026?
Based on GuruFocus' analysis, Wema Bank stock appears to be overvalued.
The current stock price of ₦30.45 is trading 132.3% above its estimated GF Value™ of ₦13.11.
GuruFocus considers Wema Bank to be Significantly Overvalued.
Key valuation signals for NSA:WEMA:
5-Year Yield-on-Cost %: 37.01 (22% below median its 10-year median of 47.18)
GF Value™: ₦13.11 vs. price of ₦30.45 (132.3% above fair value)
Industry Position: 858.8% above the Banks median (#26 of 1259)
No single metric tells the full story. See the NSA:WEMA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Wema Bank PLC is a commercial bank. The company offers retail banking, SME banking, corporate banking, treasury, trade services and financial advisory to its customers. Its services include granting of loans and advances, corporate finance and money market activities. The bank operates in four geographical regions: South-west, South-South, Abuja, and Lagos zones. Wema derives the majority of its revenues from Lagos.
70GF Score
Get the complete analysis for NSA:WEMA
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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