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Holand og Setskog SparebankOSL:HSPG 57 5-Year Yield-on-Cost % is 3.44 as of Aug. 02, 2026, which is 35% below its 10-year median of 5.26. GuruFocus rates OSL:HSPG with a GF Score™ of 57/100 and a GF Value™ of kr139.69 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,251 Banks companies, Holand og Setskog Sparebank ranks worse than 56.99% on this metric.
Holand og Setskog Sparebank (OSL:HSPG) 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.
Holand og Setskog Sparebank 5-Year Yield-on-Cost % Related Terms
OSL:HSPG vs PNC, USB: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, Holand og Setskog Sparebank'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.
Holand og Setskog Sparebank 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Holand og Setskog Sparebank's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Holand og Setskog Sparebank's 5-Year Yield-on-Cost % falls into.
Holand og Setskog Sparebank 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.
Holand og Setskog Sparebank (OSL:HSPG) has a 5-Year Yield-on-Cost % of 3.44 as of Aug. 02, 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 Holand og Setskog Sparebank and its competitors. This is 35% below median its historical median of 5.26. Over the past decade, Holand og Setskog Sparebank's 5-Year Yield-on-Cost % has ranged from 3.05 to 7.28. According to the industry distribution chart, Holand og Setskog Sparebank ranks #713 out of 1251 companies in the Banks industry, placing it in the top 57%.
Is Holand og Setskog Sparebank's 5-Year Yield-on-Cost % too high?
Holand og Setskog Sparebank's current 5-Year Yield-on-Cost % of 3.44 is 35% below median its 10-year median of 5.26. Over the past 10 years, this metric has ranged from a low of 3.05 to a high of 7.28. The Banks industry median 5-Year Yield-on-Cost % is 3.84. Holand og Setskog Sparebank's value of 3.44 is 10.4% below this industry median. Based on the distribution chart, Holand og Setskog Sparebank ranks #713 out of 1251 companies in the Banks industry, which is below the industry midpoint. Overall, Holand og Setskog Sparebank has a GF Score™ of 57/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Holand og Setskog Sparebank's 5-Year Yield-on-Cost % compare to PNC and USB?
According to the Banks industry distribution chart, Holand og Setskog Sparebank ranks #713 out of 1251 companies for 5-Year Yield-on-Cost %. This places Holand og Setskog Sparebank in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.84. Holand og Setskog Sparebank's value of 3.44 is 10.4% below this benchmark. Historically, Holand og Setskog Sparebank's own 5-Year Yield-on-Cost % has ranged from 3.05 to 7.28 over the past decade. While the company's 10-year median is 5.26 vs. the industry median of 3.84, Holand og Setskog Sparebank 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 3.84, 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. Holand og Setskog Sparebank's current 5-Year Yield-on-Cost % of 3.44 is 10.4% 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 Holand og Setskog Sparebank and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.84 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Holand og Setskog Sparebank's current 5-Year Yield-on-Cost % is 3.44, which is 35% below median its own 10-year median of 5.26. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Holand og Setskog Sparebank stock overvalued right now?
Based on GuruFocus' analysis, Holand og Setskog Sparebank (OSL:HSPG) is currently considered Fairly Valued. The stock's GF Value™ is kr139.69, compared to a current price of kr145.30 — trading 4% above its estimated fair value. The current 5-Year Yield-on-Cost % is 3.44, which is 35% below median its 10-year median of 5.26 and 10.4% below the Banks industry median of 3.84. Holand og Setskog Sparebank's overall GF Score™ is 57/100 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 Holand og Setskog Sparebank (OSL:HSPG), the current 5-Year Yield-on-Cost % is 3.44 as of Aug. 02, 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 Holand og Setskog Sparebank (OSL:HSPG) Overvalued in 2026?
Based on GuruFocus' analysis, Holand og Setskog Sparebank stock appears to be overvalued.
The current stock price of kr145.30 is trading 4% above its estimated GF Value™ of kr139.69.
GuruFocus considers Holand og Setskog Sparebank to be Fairly Valued.
Key valuation signals for OSL:HSPG:
5-Year Yield-on-Cost %: 3.44 (35% below median its 10-year median of 5.26)
GF Value™: kr139.69 vs. price of kr145.30 (4% above fair value)
Industry Position: 10.4% below the Banks median (#713 of 1251)
No single metric tells the full story. See the OSL:HSPG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Holand og Setskog Sparebank operates as a savings bank. It offers a range of financial services including loans, savings, advice, insurance and pensions to personal and corporate customers. The Bank also offers credit cards, debit cards, structured products, stock savings, mobile banking and online banking services.
57GF Score
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