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South Atlantic BancsharesSABK 69 5-Year Yield-on-Cost % is 0.38 as of Jul. 15, 2026, which is 45% below its 10-year median of 0.69. GuruFocus rates SABK with a GF Score™ of 69/100 and a GF Value™ of $19.44 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,256 Banks companies, South Atlantic Bancshares ranks worse than 96.97% on this metric.
The historical rank and industry rank for South Atlantic Bancshares's 5-Year Yield-on-Cost % or its related term are showing as below:
SABK'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.38 Med: 0.69 Max: 1.01
Current: 0.38
During the past 13 years, South Atlantic Bancshares's highest Yield on Cost was 1.01. The lowest was 0.38. And the median was 0.69.
SABK's 5-Year Yield-on-Cost % is ranked worse than 96.97% of 1256
companies
in the Banks industry
Industry Median: 3.885
vs SABK: 0.38
South Atlantic Bancshares (OTCPK:SABK) 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.
South Atlantic Bancshares 5-Year Yield-on-Cost % Related Terms
SABK vs RBKB, CSBB, CBFV: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, South Atlantic Bancshares'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.
South Atlantic Bancshares 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, South Atlantic Bancshares's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where South Atlantic Bancshares's 5-Year Yield-on-Cost % falls into.
South Atlantic Bancshares 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.
South Atlantic Bancshares (SABK) has a 5-Year Yield-on-Cost % of 0.38 as of Jul. 15, 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 South Atlantic Bancshares and its competitors. This is 45% below median its historical median of 0.69. Over the past decade, South Atlantic Bancshares' 5-Year Yield-on-Cost % has ranged from 0.38 to 1.01. According to the industry distribution chart, South Atlantic Bancshares ranks #1218 out of 1256 companies in the Banks industry, placing it in the top 97%.
Is South Atlantic Bancshares' 5-Year Yield-on-Cost % too high?
South Atlantic Bancshares' current 5-Year Yield-on-Cost % of 0.38 is 45% below median its 10-year median of 0.69. Over the past 10 years, this metric has ranged from a low of 0.38 to a high of 1.01. The Banks industry median 5-Year Yield-on-Cost % is 3.89. South Atlantic Bancshares' value of 0.38 is 90.2% below this industry median. Based on the distribution chart, South Atlantic Bancshares ranks #1218 out of 1256 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, South Atlantic Bancshares has a GF Score™ of 69/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does South Atlantic Bancshares' 5-Year Yield-on-Cost % compare to RBKB and CSBB?
According to the Banks industry distribution chart, South Atlantic Bancshares ranks #1218 out of 1256 companies for 5-Year Yield-on-Cost %. This places South Atlantic Bancshares in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.89. South Atlantic Bancshares' value of 0.38 is 90.2% below this benchmark. Historically, South Atlantic Bancshares' own 5-Year Yield-on-Cost % has ranged from 0.38 to 1.01 over the past decade. While the company's 10-year median is 0.69 vs. the industry median of 3.89, South Atlantic Bancshares 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 1,256 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. South Atlantic Bancshares's current 5-Year Yield-on-Cost % of 0.38 is 90.2% 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 South Atlantic Bancshares 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. South Atlantic Bancshares's current 5-Year Yield-on-Cost % is 0.38, which is 45% below median its own 10-year median of 0.69. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is South Atlantic Bancshares stock overvalued right now?
Based on GuruFocus' analysis, South Atlantic Bancshares (SABK) is currently considered Significantly Overvalued. The stock's GF Value™ is $19.44, compared to a current price of $26.00 — trading 33.7% above its estimated fair value. The current 5-Year Yield-on-Cost % is 0.38, which is 45% below median its 10-year median of 0.69 and 90.2% below the Banks industry median of 3.89. South Atlantic Bancshares' overall GF Score™ is 69/100 with 7 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 South Atlantic Bancshares (SABK), the current 5-Year Yield-on-Cost % is 0.38 as of Jul. 15, 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 South Atlantic Bancshares (SABK) Overvalued in 2026?
Based on GuruFocus' analysis, South Atlantic Bancshares stock appears to be overvalued.
The current stock price of $26.00 is trading 33.7% above its estimated GF Value™ of $19.44.
GuruFocus considers South Atlantic Bancshares to be Significantly Overvalued.
Key valuation signals for SABK:
5-Year Yield-on-Cost %: 0.38 (45% below median its 10-year median of 0.69)
GF Value™: $19.44 vs. price of $26.00 (33.7% above fair value)
Industry Position: 90.2% below the Banks median (#1218 of 1256)
No single metric tells the full story. See the SABK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
South Atlantic Bancshares Inc is A United States-based bank holding company. Through its banking subsidiary, it provides banking services to domestic markets, principally in Horry, Georgetown, Charleston, and Beaufort counties, South Carolina. Its financial products and service offerings include personal and business checking, savings, and money market accounts; residential mortgages, commercial loans, lines of credit; telephone and online banking, ATM services; and debit and credit cards, among others.
69GF Score
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