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China BankingPHS:CBC +0.27%76 5-Year Yield-on-Cost % is 4.60 as of Jul. 14, 2026, which is 4% above its 10-year median of 4.41. GuruFocus rates PHS:CBC with a GF Score™ of 76/100 and a GF Value™ of ₱58.44 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,257 Banks companies, China Banking ranks better than 60.14% on this metric.
China Banking's yield on cost for the quarter that ended in Mar. 2026 was 4.60.
The historical rank and industry rank for China Banking's 5-Year Yield-on-Cost % or its related term are showing as below:
PHS:CBC'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.85 Med: 4.41 Max: 7.24
Current: 4.6
During the past 13 years, China Banking's highest Yield on Cost was 7.24. The lowest was 1.85. And the median was 4.41.
PHS:CBC's 5-Year Yield-on-Cost % is ranked better than 60.14% of 1257
companies
in the Banks industry
Industry Median: 3.89
vs PHS:CBC: 4.60
China Banking (PHS:CBC) 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.
China Banking 5-Year Yield-on-Cost % Related Terms
China Banking 5-Year Yield-on-Cost % Competitor Comparison
For the Banks - Regional subindustry, China Banking'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.
China Banking 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, China Banking's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where China Banking'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 China Banking is calculated as
China Banking (PHS:CBC) has a 5-Year Yield-on-Cost % of 4.60 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 China Banking and its competitors. This is near median its historical median of 4.41. Over the past decade, China Banking's 5-Year Yield-on-Cost % has ranged from 1.85 to 7.24. According to the industry distribution chart, China Banking ranks #501 out of 1257 companies in the Banks industry, placing it in the top 39.9%.
Is China Banking's 5-Year Yield-on-Cost % too high?
China Banking's current 5-Year Yield-on-Cost % of 4.60 is near median its 10-year median of 4.41. Over the past 10 years, this metric has ranged from a low of 1.85 to a high of 7.24. The Banks industry median 5-Year Yield-on-Cost % is 3.89. China Banking's value of 4.60 is 18.3% above this industry median. Based on the distribution chart, China Banking ranks #501 out of 1257 companies in the Banks industry, which is above the industry midpoint. Overall, China Banking has a GF Score™ of 76/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does China Banking's 5-Year Yield-on-Cost % compare to competitors?
According to the Banks industry distribution chart, China Banking ranks #501 out of 1257 companies for 5-Year Yield-on-Cost %. This puts China Banking in the upper half of its industry. The industry median 5-Year Yield-on-Cost % is 3.89. China Banking's value of 4.60 is 18.3% above this benchmark. Historically, China Banking's own 5-Year Yield-on-Cost % has ranged from 1.85 to 7.24 over the past decade. While the company's 10-year median is 4.41 vs. the industry median of 3.89, China Banking 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. China Banking's current 5-Year Yield-on-Cost % of 4.60 is 18.3% 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 China Banking 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. China Banking's current 5-Year Yield-on-Cost % is 4.60, which is near median its own 10-year median of 4.41. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is China Banking stock overvalued right now?
Based on GuruFocus' analysis, China Banking (PHS:CBC) is currently considered Fairly Valued. The stock's GF Value™ is ₱58.44, compared to a current price of ₱56.55 — trading 3.2% below its estimated fair value. The current 5-Year Yield-on-Cost % is 4.60, which is near median its 10-year median of 4.41 and 18.3% above the Banks industry median of 3.89. China Banking's overall GF Score™ is 76/100 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 China Banking (PHS:CBC), the current 5-Year Yield-on-Cost % is 4.60 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 China Banking (PHS:CBC) Overvalued in 2026?
Based on GuruFocus' analysis, China Banking stock appears to be undervalued.
The current stock price of ₱56.55 is trading 3.2% below its estimated GF Value™ of ₱58.44.
GuruFocus considers China Banking to be Fairly Valued.
Key valuation signals for PHS:CBC:
5-Year Yield-on-Cost %: 4.60 (near median its 10-year median of 4.41)
GF Value™: ₱58.44 vs. price of ₱56.55 (3.2% below fair value)
Industry Position: 18.3% above the Banks median (#501 of 1257)
No single metric tells the full story. See the PHS:CBC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
China Banking Corp is a commercial bank engaged in corporate and SME lending, retail loans including mortgage and auto loans, treasury and foreign exchange trading, trust and investment management, wealth management, cash management, and insurance products. The group's five business segments, namely, Institutional Banking, Consumer Banking, Retail Banking Business, Financial Markets, and Others, which include credit management, thrift banking business, operations and financial control, and other support services. The majority of the company's revenue comes from the Retail Banking Business.
76GF Score
Get the complete analysis for PHS:CBC
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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