OSB GroupOSBGF 67 5-Year Yield-on-Cost % is 7.19 as of Jul. 11, 2026, which is 76% above its 10-year median of 4.09. GuruFocus rates OSBGF with a GF Score™ of 67/100 and a GF Value™ of $6.46 (Fairly Valued). The stock has 1 warning sign investors should review. Among 1,253 Banks companies, OSB Group ranks better than 75.5% on this metric.
OSB Group's yield on cost for the quarter that ended in Dec. 2025 was 7.19.
The historical rank and industry rank for OSB Group's 5-Year Yield-on-Cost % or its related term are showing as below:
OSBGF'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.64 Med: 4.09 Max: 10.08
Current: 7.19
During the past 13 years, OSB Group's highest Yield on Cost was 10.08. The lowest was 1.64. And the median was 4.09.
OSBGF's 5-Year Yield-on-Cost % is ranked better than 75.5% of 1253
companies
in the Banks industry
Industry Median: 3.89
vs OSBGF: 7.19
OSB Group (OTCPK:OSBGF) 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.
OSB Group 5-Year Yield-on-Cost % Related Terms
OSBGF vs RKT, FNMA, PFSI: 5-Year Yield-on-Cost % Comparison
For the Mortgage Finance subindustry, OSB Group'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.
OSB Group 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, OSB Group's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where OSB Group'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 OSB Group is calculated as
OSB Group (OSBGF) has a 5-Year Yield-on-Cost % of 7.19 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 OSB Group and its competitors. This is 76% above median its historical median of 4.09. Over the past decade, OSB Group's 5-Year Yield-on-Cost % has ranged from 1.64 to 10.08. According to the industry distribution chart, OSB Group ranks #307 out of 1253 companies in the Banks industry, placing it in the top 24.5%.
Is OSB Group's 5-Year Yield-on-Cost % too high?
OSB Group's current 5-Year Yield-on-Cost % of 7.19 is 76% above median its 10-year median of 4.09. Over the past 10 years, this metric has ranged from a low of 1.64 to a high of 10.08. The Banks industry median 5-Year Yield-on-Cost % is 3.89. OSB Group's value of 7.19 is 84.8% above this industry median. Based on the distribution chart, OSB Group ranks #307 out of 1253 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, OSB Group has a GF Score™ of 67/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does OSB Group's 5-Year Yield-on-Cost % compare to RKT and FNMA?
According to the Banks industry distribution chart, OSB Group ranks #307 out of 1253 companies for 5-Year Yield-on-Cost %. This places OSB Group in the top 25% of its industry — outperforming the majority of peers. The industry median 5-Year Yield-on-Cost % is 3.89. OSB Group's value of 7.19 is 84.8% above this benchmark. Historically, OSB Group's own 5-Year Yield-on-Cost % has ranged from 1.64 to 10.08 over the past decade. While the company's 10-year median is 4.09 vs. the industry median of 3.89, OSB Group 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 3.89, 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. OSB Group's current 5-Year Yield-on-Cost % of 7.19 is 84.8% 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 OSB Group 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. OSB Group's current 5-Year Yield-on-Cost % is 7.19, which is 76% above median its own 10-year median of 4.09. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is OSB Group stock overvalued right now?
Based on GuruFocus' analysis, OSB Group (OSBGF) is currently considered Fairly Valued. The stock's GF Value™ is $6.46, compared to a current price of $6.65 — trading 2.9% above its estimated fair value. The current 5-Year Yield-on-Cost % is 7.19, which is 76% above median its 10-year median of 4.09 and 84.8% above the Banks industry median of 3.89. OSB Group's overall GF Score™ is 67/100 with 1 warning sign 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 OSB Group (OSBGF), the current 5-Year Yield-on-Cost % is 7.19 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 OSB Group (OSBGF) Overvalued in 2026?
Based on GuruFocus' analysis, OSB Group stock appears to be overvalued.
The current stock price of $6.65 is trading 2.9% above its estimated GF Value™ of $6.46.
GuruFocus considers OSB Group to be Fairly Valued.
Key valuation signals for OSBGF:
5-Year Yield-on-Cost %: 7.19 (76% above median its 10-year median of 4.09)
GF Value™: $6.46 vs. price of $6.65 (2.9% above fair value)
Industry Position: 84.8% above the Banks median (#307 of 1253)
No single metric tells the full story. See the OSBGF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
OSB Group PLC is a specialist mortgage lender, focused on selected sub-segments of the mortgage market. Its lending business is supported by various funding platforms, including retail savings deposits sourced under two brands: Kent Reliance and Charter Savings Bank (CSB), securitisation platforms, debt issuance, and Bank of England schemes. The Group operates under two segments: OneSavings Bank (OSB) and Charter Court Financial Services (CCFS). The majority of its revenue is generated from the OSB segment, which includes first charge residential mortgages for owner-occupiers, under shared ownership schemes, Buy-to-Let mortgages secured on residential property held for investment purposes by landlords, and commercial mortgages secured on commercial and semi-commercial properties.
67GF Score
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