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Bank of CommercePHS:BNCOM 70 5-Year Yield-on-Cost % is 2.36 as of Jul. 24, 2026, which is 27% below its 10-year median of 3.25. GuruFocus rates PHS:BNCOM with a GF Score™ of 70/100 and a GF Value™ of ₱9.34 (Modestly Overvalued). The stock has 1 warning sign investors should review. Among 1,250 Banks companies, Bank of Commerce ranks worse than 76.64% on this metric.
Bank of Commerce's yield on cost for the quarter that ended in Mar. 2026 was 2.36.
The historical rank and industry rank for Bank of Commerce's 5-Year Yield-on-Cost % or its related term are showing as below:
PHS:BNCOM'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.12 Med: 3.25 Max: 3.74
Current: 2.36
During the past 12 years, Bank of Commerce's highest Yield on Cost was 3.74. The lowest was 2.12. And the median was 3.25.
PHS:BNCOM's 5-Year Yield-on-Cost % is ranked worse than 76.64% of 1250
companies
in the Banks industry
Industry Median: 3.885
vs PHS:BNCOM: 2.36
Bank of Commerce (PHS:BNCOM) 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.
Bank of Commerce 5-Year Yield-on-Cost % Related Terms
PHS:BNCOM vs JPM, BAC, WFC: 5-Year Yield-on-Cost % Comparison
For the Banks - Diversified subindustry, Bank of Commerce'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.
Bank of Commerce 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Bank of Commerce's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Bank of Commerce's 5-Year Yield-on-Cost % falls into.
Bank of Commerce 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.
Bank of Commerce (PHS:BNCOM) has a 5-Year Yield-on-Cost % of 2.36 as of Jul. 24, 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 Bank of Commerce and its competitors. This is 27% below median its historical median of 3.25. Over the past decade, Bank of Commerce's 5-Year Yield-on-Cost % has ranged from 2.12 to 3.74. According to the industry distribution chart, Bank of Commerce ranks #958 out of 1250 companies in the Banks industry, placing it in the top 76.6%.
Is Bank of Commerce's 5-Year Yield-on-Cost % too high?
Bank of Commerce's current 5-Year Yield-on-Cost % of 2.36 is 27% below median its 10-year median of 3.25. Over the past 10 years, this metric has ranged from a low of 2.12 to a high of 3.74. The Banks industry median 5-Year Yield-on-Cost % is 3.89. Bank of Commerce's value of 2.36 is 39.3% below this industry median. Based on the distribution chart, Bank of Commerce ranks #958 out of 1250 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Bank of Commerce has a GF Score™ of 70/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Bank of Commerce's 5-Year Yield-on-Cost % compare to JPM and BAC?
According to the Banks industry distribution chart, Bank of Commerce ranks #958 out of 1250 companies for 5-Year Yield-on-Cost %. This places Bank of Commerce in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.89. Bank of Commerce's value of 2.36 is 39.3% below this benchmark. Historically, Bank of Commerce's own 5-Year Yield-on-Cost % has ranged from 2.12 to 3.74 over the past decade. While the company's 10-year median is 3.25 vs. the industry median of 3.89, Bank of Commerce 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 1,250 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. Bank of Commerce's current 5-Year Yield-on-Cost % of 2.36 is 39.3% 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 Bank of Commerce 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. Bank of Commerce's current 5-Year Yield-on-Cost % is 2.36, which is 27% below median its own 10-year median of 3.25. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bank of Commerce stock overvalued right now?
Based on GuruFocus' analysis, Bank of Commerce (PHS:BNCOM) is currently considered Modestly Overvalued. The stock's GF Value™ is ₱9.34, compared to a current price of ₱10.58 — trading 13.3% above its estimated fair value. The current 5-Year Yield-on-Cost % is 2.36, which is 27% below median its 10-year median of 3.25 and 39.3% below the Banks industry median of 3.89. Bank of Commerce's overall GF Score™ is 70/100 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 Bank of Commerce (PHS:BNCOM), the current 5-Year Yield-on-Cost % is 2.36 as of Jul. 24, 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 Bank of Commerce (PHS:BNCOM) Overvalued in 2026?
Based on GuruFocus' analysis, Bank of Commerce stock appears to be overvalued.
The current stock price of ₱10.58 is trading 13.3% above its estimated GF Value™ of ₱9.34.
GuruFocus considers Bank of Commerce to be Modestly Overvalued.
Key valuation signals for PHS:BNCOM:
5-Year Yield-on-Cost %: 2.36 (27% below median its 10-year median of 3.25)
GF Value™: ₱9.34 vs. price of ₱10.58 (13.3% above fair value)
Industry Position: 39.3% below the Banks median (#958 of 1250)
No single metric tells the full story. See the PHS:BNCOM stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Bank of Commerce is a universal bank focused on helping its clients, communities, and conglomerate partners by delivering financial services. It provides banking solutions and a complete products and services in deposit, commercial loans, credit card services, consumer banking, transaction banking, corporate banking, investment banking, treasury, asset management, trust, and investments. Its segments include Treasury Management Group, Corporate Banking Group, Branch Banking Group, Consumer Group, and Others, with the majority of the revenue deriving from Corporate Banking Group, which principally handles loans and other credit facilities for corporate, institutional, and middle market clients.
70GF Score
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