Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Sparebanken OstOSL:SPOG -0.68%49 5-Year Yield-on-Cost % is 9.39 as of Jul. 14, 2026, which is 9% above its 10-year median of 8.58. GuruFocus rates OSL:SPOG with a GF Score™ of 49/100 and a GF Value™ of kr63.09 (Modestly Overvalued). The stock has 3 warning signs investors should review. Among 1,257 Banks companies, Sparebanken Ost ranks better than 86.16% on this metric.
Sparebanken Ost's yield on cost for the quarter that ended in Jun. 2026 was 9.39.
The historical rank and industry rank for Sparebanken Ost's 5-Year Yield-on-Cost % or its related term are showing as below:
OSL:SPOG'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 5.87 Med: 8.58 Max: 14.31
Current: 9.39
During the past 13 years, Sparebanken Ost's highest Yield on Cost was 14.31. The lowest was 5.87. And the median was 8.58.
OSL:SPOG's 5-Year Yield-on-Cost % is ranked better than 86.16% of 1257
companies
in the Banks industry
Industry Median: 3.89
vs OSL:SPOG: 9.39
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.
Sparebanken Ost 5-Year Yield-on-Cost % Related Terms
For the Banks - Regional subindustry, Sparebanken Ost'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.
Sparebanken Ost 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Sparebanken Ost's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Sparebanken Ost'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 Sparebanken Ost is calculated as
Sparebanken Ost (OSL:SPOG) has a 5-Year Yield-on-Cost % of 9.39 as of Jul. 14, 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 Sparebanken Ost and its competitors. This is near median its historical median of 8.58. Over the past decade, Sparebanken Ost's 5-Year Yield-on-Cost % has ranged from 5.87 to 14.31. According to the industry distribution chart, Sparebanken Ost ranks #174 out of 1257 companies in the Banks industry, placing it in the top 13.8%.
Is Sparebanken Ost's 5-Year Yield-on-Cost % too high?
Sparebanken Ost's current 5-Year Yield-on-Cost % of 9.39 is near median its 10-year median of 8.58. Over the past 10 years, this metric has ranged from a low of 5.87 to a high of 14.31. The Banks industry median 5-Year Yield-on-Cost % is 3.89. Sparebanken Ost's value of 9.39 is 141.4% above this industry median. Based on the distribution chart, Sparebanken Ost ranks #174 out of 1257 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Sparebanken Ost has a GF Score™ of 49/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Sparebanken Ost's 5-Year Yield-on-Cost % compare to competitors?
According to the Banks industry distribution chart, Sparebanken Ost ranks #174 out of 1257 companies for 5-Year Yield-on-Cost %. This places Sparebanken Ost in the top 14% of its industry — outperforming the majority of peers. The industry median 5-Year Yield-on-Cost % is 3.89. Sparebanken Ost's value of 9.39 is 141.4% above this benchmark. Historically, Sparebanken Ost's own 5-Year Yield-on-Cost % has ranged from 5.87 to 14.31 over the past decade. While the company's 10-year median is 8.58 vs. the industry median of 3.89, Sparebanken Ost 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 1,257 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. Sparebanken Ost's current 5-Year Yield-on-Cost % of 9.39 is 141.4% 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 Sparebanken Ost 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. Sparebanken Ost's current 5-Year Yield-on-Cost % is 9.39, which is near median its own 10-year median of 8.58. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Sparebanken Ost stock overvalued right now?
Based on GuruFocus' analysis, Sparebanken Ost (OSL:SPOG) is currently considered Modestly Overvalued. The stock's GF Value™ is kr63.09, compared to a current price of kr73.00 — trading 15.7% above its estimated fair value. The current 5-Year Yield-on-Cost % is 9.39, which is near median its 10-year median of 8.58 and 141.4% above the Banks industry median of 3.89. Sparebanken Ost's overall GF Score™ is 49/100 with 3 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 Sparebanken Ost (OSL:SPOG), the current 5-Year Yield-on-Cost % is 9.39 as of Jul. 14, 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 Sparebanken Ost (OSL:SPOG) Overvalued in 2026?
Based on GuruFocus' analysis, Sparebanken Ost stock appears to be overvalued.
The current stock price of kr73.00 is trading 15.7% above its estimated GF Value™ of kr63.09.
GuruFocus considers Sparebanken Ost to be Modestly Overvalued.
Key valuation signals for OSL:SPOG:
5-Year Yield-on-Cost %: 9.39 (near median its 10-year median of 8.58)
GF Value™: kr63.09 vs. price of kr73.00 (15.7% above fair value)
Industry Position: 141.4% above the Banks median (#174 of 1257)
No single metric tells the full story. See the OSL:SPOG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Sparebanken Øst is a savings bank in Norway. It offers banking products and services to retail and corporate customers in the areas of loans, payment services, insurance products, property management as well as advisory services. Its mission is to be a non-affiliated, independent and locally managed provider of financial services, to enable people in general, along with small and medium-sized enterprises, to exploit their financial resources in the possible manner.
49GF Score
Get the complete analysis for OSL:SPOG
5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
OSL:SPOG has been successfully added to your 
