Solvay BankSOBS 65 5-Year Yield-on-Cost % is 7.27 as of Jun. 30, 2026, which is 8% above its 10-year median of 6.73. GuruFocus rates SOBS with a GF Score™ of 65/100 and a GF Value™ of $28.23 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,255 Banks companies, Solvay Bank ranks better than 78.8% on this metric.
Solvay Bank's yield on cost for the quarter that ended in Dec. 2025 was 7.27.
The historical rank and industry rank for Solvay Bank's 5-Year Yield-on-Cost % or its related term are showing as below:
SOBS'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 4.34 Med: 6.73 Max: 10.25
Current: 7.27
During the past 13 years, Solvay Bank's highest Yield on Cost was 10.25. The lowest was 4.34. And the median was 6.73.
SOBS's 5-Year Yield-on-Cost % is ranked better than 78.8% of 1255
companies
in the Banks industry
Industry Median: 3.96
vs SOBS: 7.27
Solvay Bank (OTCPK:SOBS) 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.
Solvay Bank 5-Year Yield-on-Cost % Related Terms
SOBS vs HMLN, BKOR, EDVR: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, Solvay Bank'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.
Solvay Bank 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Solvay Bank's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Solvay Bank'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 Solvay Bank is calculated as
Solvay Bank (SOBS) has a 5-Year Yield-on-Cost % of 7.27 as of Jun. 30, 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 Solvay Bank and its competitors. This is near median its historical median of 6.73. Over the past decade, Solvay Bank's 5-Year Yield-on-Cost % has ranged from 4.34 to 10.25. According to the industry distribution chart, Solvay Bank ranks #266 out of 1255 companies in the Banks industry, placing it in the top 21.2%.
Is Solvay Bank's 5-Year Yield-on-Cost % too high?
Solvay Bank's current 5-Year Yield-on-Cost % of 7.27 is near median its 10-year median of 6.73. Over the past 10 years, this metric has ranged from a low of 4.34 to a high of 10.25. The Banks industry median 5-Year Yield-on-Cost % is 3.96. Solvay Bank's value of 7.27 is 83.6% above this industry median. Based on the distribution chart, Solvay Bank ranks #266 out of 1255 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Solvay Bank has a GF Score™ of 65/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Solvay Bank's 5-Year Yield-on-Cost % compare to HMLN and BKOR?
According to the Banks industry distribution chart, Solvay Bank ranks #266 out of 1255 companies for 5-Year Yield-on-Cost %. This places Solvay Bank in the top 21% of its industry — outperforming the majority of peers. The industry median 5-Year Yield-on-Cost % is 3.96. Solvay Bank's value of 7.27 is 83.6% above this benchmark. Historically, Solvay Bank's own 5-Year Yield-on-Cost % has ranged from 4.34 to 10.25 over the past decade. While the company's 10-year median is 6.73 vs. the industry median of 3.96, Solvay Bank 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 3.96, 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. Solvay Bank's current 5-Year Yield-on-Cost % of 7.27 is 83.6% 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 Solvay Bank and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.96 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Solvay Bank's current 5-Year Yield-on-Cost % is 7.27, which is near median its own 10-year median of 6.73. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Solvay Bank stock overvalued right now?
Based on GuruFocus' analysis, Solvay Bank (SOBS) is currently considered Modestly Overvalued. The stock's GF Value™ is $28.23, compared to a current price of $34.00 — trading 20.4% above its estimated fair value. The current 5-Year Yield-on-Cost % is 7.27, which is near median its 10-year median of 6.73 and 83.6% above the Banks industry median of 3.96. Solvay Bank's overall GF Score™ is 65/100 with 6 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 Solvay Bank (SOBS), the current 5-Year Yield-on-Cost % is 7.27 as of Jun. 30, 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 Solvay Bank (SOBS) Overvalued in 2026?
Based on GuruFocus' analysis, Solvay Bank stock appears to be overvalued.
The current stock price of $34.00 is trading 20.4% above its estimated GF Value™ of $28.23.
GuruFocus considers Solvay Bank to be Modestly Overvalued.
Key valuation signals for SOBS:
5-Year Yield-on-Cost %: 7.27 (near median its 10-year median of 6.73)
GF Value™: $28.23 vs. price of $34.00 (20.4% above fair value)
Industry Position: 83.6% above the Banks median (#266 of 1255)
No single metric tells the full story. See the SOBS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Solvay Bank is a United States based community bank. It offers personal and business banking services. The bank provides business loans, deposit accounts, small business administration, commercial real estate, special lending programs, electronic services, merchant services and other banking services. The objectives of its security portfolio are to provide liquidity for future funding needs, a safe and lower-risk investment alternative for idle funds, and a stable source of core earnings.
65GF Score
Get the complete analysis for SOBS
5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
SOBS has been successfully added to your 