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Pontiac BancorpPONT -2.36%56 5-Year Yield-on-Cost % is 3.45 as of Jul. 17, 2026, which is 22% above its 10-year median of 2.83. GuruFocus rates PONT with a GF Score™ of 56/100 and a GF Value™ of $640.48 (Fairly Valued). The stock has 1 warning sign investors should review. Among 1,255 Banks companies, Pontiac Bancorp ranks worse than 58.09% on this metric.
Pontiac Bancorp's yield on cost for the quarter that ended in Dec. 2025 was 3.45.
The historical rank and industry rank for Pontiac Bancorp's 5-Year Yield-on-Cost % or its related term are showing as below:
PONT'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.05 Med: 2.83 Max: 3.98
Current: 3.45
During the past 7 years, Pontiac Bancorp's highest Yield on Cost was 3.98. The lowest was 1.05. And the median was 2.83.
PONT's 5-Year Yield-on-Cost % is ranked worse than 58.09% of 1255
companies
in the Banks industry
Industry Median: 3.88
vs PONT: 3.45
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.
Pontiac Bancorp 5-Year Yield-on-Cost % Related Terms
PONT vs TYFG, ARBV, SLBK: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, Pontiac Bancorp'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.
Pontiac Bancorp 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Pontiac Bancorp's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Pontiac Bancorp'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 Pontiac Bancorp is calculated as
Pontiac Bancorp (PONT) has a 5-Year Yield-on-Cost % of 3.45 as of Jul. 17, 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 Pontiac Bancorp and its competitors. This is 22% above median its historical median of 2.83. Over the past decade, Pontiac Bancorp's 5-Year Yield-on-Cost % has ranged from 1.05 to 3.98. According to the industry distribution chart, Pontiac Bancorp ranks #729 out of 1255 companies in the Banks industry, placing it in the top 58.1%.
Is Pontiac Bancorp's 5-Year Yield-on-Cost % too high?
Pontiac Bancorp's current 5-Year Yield-on-Cost % of 3.45 is 22% above median its 10-year median of 2.83. Over the past 10 years, this metric has ranged from a low of 1.05 to a high of 3.98. The Banks industry median 5-Year Yield-on-Cost % is 3.88. Pontiac Bancorp's value of 3.45 is 11.1% below this industry median. Based on the distribution chart, Pontiac Bancorp ranks #729 out of 1255 companies in the Banks industry, which is below the industry midpoint. Overall, Pontiac Bancorp has a GF Score™ of 56/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Pontiac Bancorp's 5-Year Yield-on-Cost % compare to TYFG and ARBV?
According to the Banks industry distribution chart, Pontiac Bancorp ranks #729 out of 1255 companies for 5-Year Yield-on-Cost %. This places Pontiac Bancorp in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.88. Pontiac Bancorp's value of 3.45 is 11.1% below this benchmark. Historically, Pontiac Bancorp's own 5-Year Yield-on-Cost % has ranged from 1.05 to 3.98 over the past decade. While the company's 10-year median is 2.83 vs. the industry median of 3.88, Pontiac Bancorp 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 3.88, based on 1,255 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. Pontiac Bancorp's current 5-Year Yield-on-Cost % of 3.45 is 11.1% 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 Pontiac Bancorp and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pontiac Bancorp's current 5-Year Yield-on-Cost % is 3.45, which is 22% above median its own 10-year median of 2.83. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Pontiac Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Pontiac Bancorp (PONT) is currently considered Fairly Valued. The stock's GF Value™ is $640.48, compared to a current price of $639.31 — trading 0.2% below its estimated fair value. The current 5-Year Yield-on-Cost % is 3.45, which is 22% above median its 10-year median of 2.83 and 11.1% below the Banks industry median of 3.88. Pontiac Bancorp's overall GF Score™ is 56/100 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 Pontiac Bancorp (PONT), the current 5-Year Yield-on-Cost % is 3.45 as of Jul. 17, 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 Pontiac Bancorp (PONT) Overvalued in 2026?
Based on GuruFocus' analysis, Pontiac Bancorp stock appears to be undervalued.
The current stock price of $639.31 is trading 0.2% below its estimated GF Value™ of $640.48.
GuruFocus considers Pontiac Bancorp to be Fairly Valued.
Key valuation signals for PONT:
5-Year Yield-on-Cost %: 3.45 (22% above median its 10-year median of 2.83)
GF Value™: $640.48 vs. price of $639.31 (0.2% below fair value)
Industry Position: 11.1% below the Banks median (#729 of 1255)
No single metric tells the full story. See the PONT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Pontiac Bancorp Inc is engaged in banking services. The company offers personal banking, business banking, lending, wealth management, and agriculture lending services. The bank grants agribusiness, commercial, residential, and personal loans to customers located in the bank's market area.
56GF Score
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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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