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Somerset Trust Holding CoSOME +2.56%49 5-Year Yield-on-Cost % is 2.48 as of Aug. 16, 2026, which is 38% below its 10-year median of 4.00. GuruFocus rates SOME with a GF Score™ of 49/100 and a GF Value™ of $54.34 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,256 Banks companies, Somerset Trust Holding Co ranks worse than 72.69% on this metric.
Somerset Trust Holding Co (OTCPK:SOME) 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.
Somerset Trust Holding Co 5-Year Yield-on-Cost % Related Terms
SOME vs FXLG, OVBC, OAKC: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, Somerset Trust Holding Co'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.
Somerset Trust Holding Co 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Somerset Trust Holding Co's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Somerset Trust Holding Co's 5-Year Yield-on-Cost % falls into.
Somerset Trust Holding Co 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.
Somerset Trust Holding Co (SOME) has a 5-Year Yield-on-Cost % of 2.48 as of Aug. 16, 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 Somerset Trust Holding Co and its competitors. This is 38% below median its historical median of 4.00. Over the past decade, Somerset Trust Holding Co's 5-Year Yield-on-Cost % has ranged from 2.48 to 4.96. According to the industry distribution chart, Somerset Trust Holding Co ranks #913 out of 1256 companies in the Banks industry, placing it in the top 72.7%.
Is Somerset Trust Holding Co's 5-Year Yield-on-Cost % too high?
Somerset Trust Holding Co's current 5-Year Yield-on-Cost % of 2.48 is 38% below median its 10-year median of 4.00. Over the past 10 years, this metric has ranged from a low of 2.48 to a high of 4.96. The Banks industry median 5-Year Yield-on-Cost % is 3.81. Somerset Trust Holding Co's value of 2.48 is 34.9% below this industry median. Based on the distribution chart, Somerset Trust Holding Co ranks #913 out of 1256 companies in the Banks industry, which is below the industry midpoint. Overall, Somerset Trust Holding Co has a GF Score™ of 49/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Somerset Trust Holding Co's 5-Year Yield-on-Cost % compare to FXLG and OVBC?
According to the Banks industry distribution chart, Somerset Trust Holding Co ranks #913 out of 1256 companies for 5-Year Yield-on-Cost %. This places Somerset Trust Holding Co in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.81. Somerset Trust Holding Co's value of 2.48 is 34.9% below this benchmark. Historically, Somerset Trust Holding Co's own 5-Year Yield-on-Cost % has ranged from 2.48 to 4.96 over the past decade. While the company's 10-year median is 4.00 vs. the industry median of 3.81, Somerset Trust Holding Co 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 3.81, 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. Somerset Trust Holding Co's current 5-Year Yield-on-Cost % of 2.48 is 34.9% 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 Somerset Trust Holding Co and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.81 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Somerset Trust Holding Co's current 5-Year Yield-on-Cost % is 2.48, which is 38% below median its own 10-year median of 4.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Somerset Trust Holding Co stock overvalued right now?
Based on GuruFocus' analysis, Somerset Trust Holding Co (SOME) is currently considered Significantly Overvalued. The stock's GF Value™ is $54.34, compared to a current price of $80.00 — trading 47.2% above its estimated fair value. The current 5-Year Yield-on-Cost % is 2.48, which is 38% below median its 10-year median of 4.00 and 34.9% below the Banks industry median of 3.81. Somerset Trust Holding Co's overall GF Score™ is 49/100 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 Somerset Trust Holding Co (SOME), the current 5-Year Yield-on-Cost % is 2.48 as of Aug. 16, 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 Somerset Trust Holding Co (SOME) Overvalued in 2026?
Based on GuruFocus' analysis, Somerset Trust Holding Co stock appears to be overvalued.
The current stock price of $80.00 is trading 47.2% above its estimated GF Value™ of $54.34.
GuruFocus considers Somerset Trust Holding Co to be Significantly Overvalued.
Key valuation signals for SOME:
5-Year Yield-on-Cost %: 2.48 (38% below median its 10-year median of 4.00)
GF Value™: $54.34 vs. price of $80.00 (47.2% above fair value)
Industry Position: 34.9% below the Banks median (#913 of 1256)
No single metric tells the full story. See the SOME stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Somerset Trust Holding Co, along with its subsidiaries, operates as an independent community bank that offers a variety of consumer and commercial lending and deposit products, together with trust and investment management services, an extensive ATM network, and online and mobile banking for consumers and businesses. The Group's revenues are derived from its portfolio of residential real estate, commercial mortgage, commercial, and consumer loans. Additional sources consist of an investment portfolio, trust services, and investment management services, etc.
49GF Score
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