Asia Commercial Joint Stock BankSTC:ACB 73 5-Year Yield-on-Cost % is 3.15 as of Jul. 08, 2026, which is 22% below its 10-year median of 4.03. GuruFocus rates STC:ACB with a GF Score™ of 73/100 and a GF Value™ of ₫20,889.79 (Fairly Valued). The stock has 5 warning signs investors should review. Among 1,254 Banks companies, Asia Commercial Joint Stock Bank ranks worse than 64.51% on this metric.
The historical rank and industry rank for Asia Commercial Joint Stock Bank's 5-Year Yield-on-Cost % or its related term are showing as below:
STC:ACB'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 3.15 Med: 4.03 Max: 4.67
Current: 3.15
During the past 13 years, Asia Commercial Joint Stock Bank's highest Yield on Cost was 4.67. The lowest was 3.15. And the median was 4.03.
STC:ACB's 5-Year Yield-on-Cost % is ranked worse than 64.51% of 1254
companies
in the Banks industry
Industry Median: 3.905
vs STC:ACB: 3.15
Asia Commercial Joint Stock Bank (STC:ACB) 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.
Asia Commercial Joint Stock Bank 5-Year Yield-on-Cost % Related Terms
Asia Commercial Joint Stock Bank 5-Year Yield-on-Cost % Competitor Comparison
For the Banks - Regional subindustry, Asia Commercial Joint Stock 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.
Asia Commercial Joint Stock Bank 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Asia Commercial Joint Stock Bank's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Asia Commercial Joint Stock Bank's 5-Year Yield-on-Cost % falls into.
Asia Commercial Joint Stock Bank 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.
Asia Commercial Joint Stock Bank (STC:ACB) has a 5-Year Yield-on-Cost % of 3.15 as of Jul. 08, 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 Asia Commercial Joint Stock Bank and its competitors. This is 22% below median its historical median of 4.03. Over the past decade, Asia Commercial Joint Stock Bank's 5-Year Yield-on-Cost % has ranged from 3.15 to 4.67. According to the industry distribution chart, Asia Commercial Joint Stock Bank ranks #809 out of 1254 companies in the Banks industry, placing it in the top 64.5%.
Is Asia Commercial Joint Stock Bank's 5-Year Yield-on-Cost % too high?
Asia Commercial Joint Stock Bank's current 5-Year Yield-on-Cost % of 3.15 is 22% below median its 10-year median of 4.03. Over the past 10 years, this metric has ranged from a low of 3.15 to a high of 4.67. The Banks industry median 5-Year Yield-on-Cost % is 3.91. Asia Commercial Joint Stock Bank's value of 3.15 is 19.3% below this industry median. Based on the distribution chart, Asia Commercial Joint Stock Bank ranks #809 out of 1254 companies in the Banks industry, which is below the industry midpoint. Overall, Asia Commercial Joint Stock Bank has a GF Score™ of 73/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Asia Commercial Joint Stock Bank's 5-Year Yield-on-Cost % compare to competitors?
According to the Banks industry distribution chart, Asia Commercial Joint Stock Bank ranks #809 out of 1254 companies for 5-Year Yield-on-Cost %. This places Asia Commercial Joint Stock Bank in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.91. Asia Commercial Joint Stock Bank's value of 3.15 is 19.3% below this benchmark. Historically, Asia Commercial Joint Stock Bank's own 5-Year Yield-on-Cost % has ranged from 3.15 to 4.67 over the past decade. While the company's 10-year median is 4.03 vs. the industry median of 3.91, Asia Commercial Joint Stock Bank 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 3.91, based on 1,254 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. Asia Commercial Joint Stock Bank's current 5-Year Yield-on-Cost % of 3.15 is 19.3% 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 Asia Commercial Joint Stock Bank and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.91 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Asia Commercial Joint Stock Bank's current 5-Year Yield-on-Cost % is 3.15, which is 22% below median its own 10-year median of 4.03. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Asia Commercial Joint Stock Bank stock overvalued right now?
Based on GuruFocus' analysis, Asia Commercial Joint Stock Bank (STC:ACB) is currently considered Fairly Valued. The stock's GF Value™ is ₫20,889.79, compared to a current price of ₫22,600.00 — trading 8.2% above its estimated fair value. The current 5-Year Yield-on-Cost % is 3.15, which is 22% below median its 10-year median of 4.03 and 19.3% below the Banks industry median of 3.91. Asia Commercial Joint Stock Bank's overall GF Score™ is 73/100 with 5 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 Asia Commercial Joint Stock Bank (STC:ACB), the current 5-Year Yield-on-Cost % is 3.15 as of Jul. 08, 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 Asia Commercial Joint Stock Bank (STC:ACB) Overvalued in 2026?
Based on GuruFocus' analysis, Asia Commercial Joint Stock Bank stock appears to be overvalued.
The current stock price of ₫22,600.00 is trading 8.2% above its estimated GF Value™ of ₫20,889.79.
GuruFocus considers Asia Commercial Joint Stock Bank to be Fairly Valued.
Key valuation signals for STC:ACB:
5-Year Yield-on-Cost %: 3.15 (22% below median its 10-year median of 4.03)
GF Value™: ₫20,889.79 vs. price of ₫22,600.00 (8.2% above fair value)
Industry Position: 19.3% below the Banks median (#809 of 1254)
No single metric tells the full story. See the STC:ACB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Asia Commercial Joint Stock Bank Business Description
Asia Commercial Joint Stock Bank and its subsidiaries (the Group) mobilise short, medium, and long-term funds, receive entrusted investment funds, borrow from financial institutions, grant loans, discount commercial papers and bonds, provide settlement services, trade foreign currencies and gold, offer trade finance, and perform approved overseas services. The Group also conducts debt factoring, bond trading, fiduciary activities, commodity derivatives, insurance agency, securities depository and clearing, finance leasing, securities trading and consultancy, corporate finance services, investment fund and asset management. Its segments are Banking, Securities trading, Asset management, Finance Leasing, and Fund Management, operating in the northern, central, and southern regions.
73GF Score
Get the complete analysis for STC:ACB
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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