Rizal Commercial BankingPHS:RCB -0.42%81 5-Year Yield-on-Cost % is 6.07 as of Jul. 03, 2026, which is 32% above its 10-year median of 4.60. GuruFocus rates PHS:RCB with a GF Score™ of 81/100 and a GF Value™ of ₱29.69 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 1,251 Banks companies, Rizal Commercial Banking ranks better than 72.26% on this metric.
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.
Rizal Commercial Banking 5-Year Yield-on-Cost % Related Terms
For the Banks - Regional subindustry, Rizal Commercial 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.
Rizal Commercial Banking 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Rizal Commercial Banking's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Rizal Commercial 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.
Rizal Commercial Banking (PHS:RCB) has a 5-Year Yield-on-Cost % of 6.07 as of Jul. 03, 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 Rizal Commercial Banking and its competitors. This is 32% above median its historical median of 4.60. Over the past decade, Rizal Commercial Banking's 5-Year Yield-on-Cost % has ranged from 1.61 to 9.88. According to the industry distribution chart, Rizal Commercial Banking ranks #347 out of 1251 companies in the Banks industry, placing it in the top 27.7%.
Is Rizal Commercial Banking's 5-Year Yield-on-Cost % too high?
Rizal Commercial Banking's current 5-Year Yield-on-Cost % of 6.07 is 32% above median its 10-year median of 4.60. Over the past 10 years, this metric has ranged from a low of 1.61 to a high of 9.88. The Banks industry median 5-Year Yield-on-Cost % is 3.93. Rizal Commercial Banking's value of 6.07 is 54.5% above this industry median. Based on the distribution chart, Rizal Commercial Banking ranks #347 out of 1251 companies in the Banks industry, which is above the industry midpoint. Overall, Rizal Commercial Banking has a GF Score™ of 81/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Rizal Commercial Banking's 5-Year Yield-on-Cost % compare to competitors?
According to the Banks industry distribution chart, Rizal Commercial Banking ranks #347 out of 1251 companies for 5-Year Yield-on-Cost %. This puts Rizal Commercial Banking in the upper half of its industry. The industry median 5-Year Yield-on-Cost % is 3.93. Rizal Commercial Banking's value of 6.07 is 54.5% above this benchmark. Historically, Rizal Commercial Banking's own 5-Year Yield-on-Cost % has ranged from 1.61 to 9.88 over the past decade. While the company's 10-year median is 4.60 vs. the industry median of 3.93, Rizal Commercial 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 3.93, 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. Rizal Commercial Banking's current 5-Year Yield-on-Cost % of 6.07 is 54.5% 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 Rizal Commercial Banking and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.93 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Rizal Commercial Banking's current 5-Year Yield-on-Cost % is 6.07, which is 32% above median its own 10-year median of 4.60. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Rizal Commercial Banking stock overvalued right now?
Based on GuruFocus' analysis, Rizal Commercial Banking (PHS:RCB) is currently considered Modestly Undervalued. The stock's GF Value™ is ₱29.69, compared to a current price of ₱23.50 — trading 20.8% below its estimated fair value. The current 5-Year Yield-on-Cost % is 6.07, which is 32% above median its 10-year median of 4.60 and 54.5% above the Banks industry median of 3.93. Rizal Commercial Banking's overall GF Score™ is 81/100 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 Rizal Commercial Banking (PHS:RCB), the current 5-Year Yield-on-Cost % is 6.07 as of Jul. 03, 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 Rizal Commercial Banking (PHS:RCB) Overvalued in 2026?
Based on GuruFocus' analysis, Rizal Commercial Banking stock appears to be undervalued.
The current stock price of ₱23.50 is trading 20.8% below its estimated GF Value™ of ₱29.69.
GuruFocus considers Rizal Commercial Banking to be Modestly Undervalued.
Key valuation signals for PHS:RCB:
5-Year Yield-on-Cost %: 6.07 (32% above median its 10-year median of 4.60)
GF Value™: ₱29.69 vs. price of ₱23.50 (20.8% below fair value)
Industry Position: 54.5% above the Banks median (#347 of 1251)
No single metric tells the full story. See the PHS:RCB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Rizal Commercial Banking Corporation is a bank. The company provides banking and financial products and services to its customers in the Philippines but also in Asia, Europe, and the United States. The bank operates in the below segments: Retail, Corporate, Small and Medium enterprises, Treasury, and Others. Of these segments, the contributor to revenue is the retail banking function, followed by corporate banking. Services provided to clients include checking and savings accounts, deposits, credit cards, consumer and commercial loans, money market and trading services, investment banking, foreign exchange, wealth management, economic and investment research, syndicated loans, and wholesale lending.
81GF Score
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