Orient Commercial JSCSTC:OCB -1.77%73 5-Year Yield-on-Cost % is 4.97 as of Jul. 11, 2026, which is 9% below its 10-year median of 5.45. GuruFocus rates STC:OCB with a GF Score™ of 73/100 and a GF Value™ of ₫11,797.38 (Fairly Valued). The stock has 1 warning sign investors should review. Among 1,253 Banks companies, Orient Commercial JSC ranks better than 63.85% on this metric.
Orient Commercial JSC's yield on cost for the quarter that ended in Mar. 2026 was 4.97.
The historical rank and industry rank for Orient Commercial JSC's 5-Year Yield-on-Cost % or its related term are showing as below:
STC:OCB'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 4.84 Med: 5.45 Max: 6.06
Current: 4.97
During the past 7 years, Orient Commercial JSC's highest Yield on Cost was 6.06. The lowest was 4.84. And the median was 5.45.
STC:OCB's 5-Year Yield-on-Cost % is ranked better than 63.85% of 1253
companies
in the Banks industry
Industry Median: 3.89
vs STC:OCB: 4.97
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.
Orient Commercial JSC 5-Year Yield-on-Cost % Related Terms
For the Banks - Regional subindustry, Orient Commercial JSC'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.
Orient Commercial JSC 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Orient Commercial JSC's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Orient Commercial JSC'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.
Orient Commercial JSC (STC:OCB) has a 5-Year Yield-on-Cost % of 4.97 as of Jul. 11, 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 Orient Commercial JSC and its competitors. This is near median its historical median of 5.45. Over the past decade, Orient Commercial JSC's 5-Year Yield-on-Cost % has ranged from 4.84 to 6.06. According to the industry distribution chart, Orient Commercial JSC ranks #453 out of 1253 companies in the Banks industry, placing it in the top 36.2%.
Is Orient Commercial JSC's 5-Year Yield-on-Cost % too high?
Orient Commercial JSC's current 5-Year Yield-on-Cost % of 4.97 is near median its 10-year median of 5.45. Over the past 10 years, this metric has ranged from a low of 4.84 to a high of 6.06. The Banks industry median 5-Year Yield-on-Cost % is 3.89. Orient Commercial JSC's value of 4.97 is 27.8% above this industry median. Based on the distribution chart, Orient Commercial JSC ranks #453 out of 1253 companies in the Banks industry, which is above the industry midpoint. Overall, Orient Commercial JSC has a GF Score™ of 73/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Orient Commercial JSC's 5-Year Yield-on-Cost % compare to competitors?
According to the Banks industry distribution chart, Orient Commercial JSC ranks #453 out of 1253 companies for 5-Year Yield-on-Cost %. This puts Orient Commercial JSC in the upper half of its industry. The industry median 5-Year Yield-on-Cost % is 3.89. Orient Commercial JSC's value of 4.97 is 27.8% above this benchmark. Historically, Orient Commercial JSC's own 5-Year Yield-on-Cost % has ranged from 4.84 to 6.06 over the past decade. While the company's 10-year median is 5.45 vs. the industry median of 3.89, Orient Commercial JSC 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 3.89, based on 1,253 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. Orient Commercial JSC's current 5-Year Yield-on-Cost % of 4.97 is 27.8% 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 Orient Commercial JSC 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. Orient Commercial JSC's current 5-Year Yield-on-Cost % is 4.97, which is near median its own 10-year median of 5.45. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Orient Commercial JSC stock overvalued right now?
Based on GuruFocus' analysis, Orient Commercial JSC (STC:OCB) is currently considered Fairly Valued. The stock's GF Value™ is ₫11,797.38, compared to a current price of ₫11,100.00 — trading 5.9% below its estimated fair value. The current 5-Year Yield-on-Cost % is 4.97, which is near median its 10-year median of 5.45 and 27.8% above the Banks industry median of 3.89. Orient Commercial JSC's overall GF Score™ is 73/100 with 1 warning sign 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 Orient Commercial JSC (STC:OCB), the current 5-Year Yield-on-Cost % is 4.97 as of Jul. 11, 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 Orient Commercial JSC (STC:OCB) Overvalued in 2026?
Based on GuruFocus' analysis, Orient Commercial JSC stock appears to be undervalued.
The current stock price of ₫11,100.00 is trading 5.9% below its estimated GF Value™ of ₫11,797.38.
GuruFocus considers Orient Commercial JSC to be Fairly Valued.
Key valuation signals for STC:OCB:
5-Year Yield-on-Cost %: 4.97 (near median its 10-year median of 5.45)
GF Value™: ₫11,797.38 vs. price of ₫11,100.00 (5.9% below fair value)
Industry Position: 27.8% above the Banks median (#453 of 1253)
No single metric tells the full story. See the STC:OCB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Orient Commercial JSC is a commercial bank in Vietnam. The bank provides deposit facility, loans, insurance services, money transfer services, corporate banking services, and other related services.
73GF Score
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