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Sturgis BancorpSTBI -0.38%69 5-Year Yield-on-Cost % is 2.56 as of Jul. 16, 2026, which is 25% below its 10-year median of 3.43. GuruFocus rates STBI with a GF Score™ of 69/100 and a GF Value™ of $21.17 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,255 Banks companies, Sturgis Bancorp ranks worse than 73.23% on this metric.
Sturgis Bancorp's yield on cost for the quarter that ended in Jun. 2026 was 2.56.
The historical rank and industry rank for Sturgis Bancorp's 5-Year Yield-on-Cost % or its related term are showing as below:
STBI'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.54 Med: 3.43 Max: 4.62
Current: 2.56
During the past 13 years, Sturgis Bancorp's highest Yield on Cost was 4.62. The lowest was 1.54. And the median was 3.43.
STBI's 5-Year Yield-on-Cost % is ranked worse than 73.23% of 1255
companies
in the Banks industry
Industry Median: 3.88
vs STBI: 2.56
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.
Sturgis Bancorp 5-Year Yield-on-Cost % Related Terms
STBI vs NEFB, BBBK, BAOB: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, Sturgis 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.
Sturgis Bancorp 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Sturgis Bancorp's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Sturgis 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 Sturgis Bancorp is calculated as
Sturgis Bancorp (STBI) has a 5-Year Yield-on-Cost % of 2.56 as of Jul. 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 Sturgis Bancorp and its competitors. This is 25% below median its historical median of 3.43. Over the past decade, Sturgis Bancorp's 5-Year Yield-on-Cost % has ranged from 1.54 to 4.62. According to the industry distribution chart, Sturgis Bancorp ranks #919 out of 1255 companies in the Banks industry, placing it in the top 73.2%.
Is Sturgis Bancorp's 5-Year Yield-on-Cost % too high?
Sturgis Bancorp's current 5-Year Yield-on-Cost % of 2.56 is 25% below median its 10-year median of 3.43. Over the past 10 years, this metric has ranged from a low of 1.54 to a high of 4.62. The Banks industry median 5-Year Yield-on-Cost % is 3.88. Sturgis Bancorp's value of 2.56 is 34% below this industry median. Based on the distribution chart, Sturgis Bancorp ranks #919 out of 1255 companies in the Banks industry, which is below the industry midpoint. Overall, Sturgis Bancorp has a GF Score™ of 69/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Sturgis Bancorp's 5-Year Yield-on-Cost % compare to NEFB and BBBK?
According to the Banks industry distribution chart, Sturgis Bancorp ranks #919 out of 1255 companies for 5-Year Yield-on-Cost %. This places Sturgis Bancorp in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.88. Sturgis Bancorp's value of 2.56 is 34% below this benchmark. Historically, Sturgis Bancorp's own 5-Year Yield-on-Cost % has ranged from 1.54 to 4.62 over the past decade. While the company's 10-year median is 3.43 vs. the industry median of 3.88, Sturgis 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. Sturgis Bancorp's current 5-Year Yield-on-Cost % of 2.56 is 34% 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 Sturgis 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. Sturgis Bancorp's current 5-Year Yield-on-Cost % is 2.56, which is 25% below median its own 10-year median of 3.43. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Sturgis Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Sturgis Bancorp (STBI) is currently considered Significantly Overvalued. The stock's GF Value™ is $21.17, compared to a current price of $29.20 — trading 37.9% above its estimated fair value. The current 5-Year Yield-on-Cost % is 2.56, which is 25% below median its 10-year median of 3.43 and 34% below the Banks industry median of 3.88. Sturgis Bancorp's 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 Sturgis Bancorp (STBI), the current 5-Year Yield-on-Cost % is 2.56 as of Jul. 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 Sturgis Bancorp (STBI) Overvalued in 2026?
Based on GuruFocus' analysis, Sturgis Bancorp stock appears to be overvalued.
The current stock price of $29.20 is trading 37.9% above its estimated GF Value™ of $21.17.
GuruFocus considers Sturgis Bancorp to be Significantly Overvalued.
Key valuation signals for STBI:
5-Year Yield-on-Cost %: 2.56 (25% below median its 10-year median of 3.43)
GF Value™: $21.17 vs. price of $29.20 (37.9% above fair value)
Industry Position: 34% below the Banks median (#919 of 1255)
No single metric tells the full story. See the STBI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Sturgis Bancorp Inc is a bank holding company operating predominantly in the southwestern portion of Michigan's Lower Peninsula. Through its subsidiaries, it is engaged in accepting deposits and making commercial and residential mortgage loans; providing various investment and financial advisory services; offering credit cards and different types of loans; and providing title, consumer, and commercial insurance products, among others.
69GF 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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