Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Guangzhou Rural Commercial Bank Co (STU:2GN) 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.
Guangzhou Rural Commercial Bank Co 5-Year Yield-on-Cost % Related Terms
Guangzhou Rural Commercial Bank Co 5-Year Yield-on-Cost % Competitor Comparison
For the Banks - Regional subindustry, Guangzhou Rural Commercial Bank 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.
Guangzhou Rural Commercial Bank Co 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Guangzhou Rural Commercial Bank Co's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Guangzhou Rural Commercial Bank Co's 5-Year Yield-on-Cost % falls into.
Guangzhou Rural Commercial Bank 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.
Guangzhou Rural Commercial Bank Co (STU:2GN) has a 5-Year Yield-on-Cost % of 0.53 as of Aug. 18, 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 Guangzhou Rural Commercial Bank Co and its competitors. This is 45% below median its historical median of 0.97. Over the past decade, Guangzhou Rural Commercial Bank Co's 5-Year Yield-on-Cost % has ranged from 0.38 to 1.47. According to the industry distribution chart, Guangzhou Rural Commercial Bank Co ranks #1208 out of 1255 companies in the Banks industry, placing it in the top 96.3%.
Is Guangzhou Rural Commercial Bank Co's 5-Year Yield-on-Cost % too high?
Guangzhou Rural Commercial Bank Co's current 5-Year Yield-on-Cost % of 0.53 is 45% below median its 10-year median of 0.97. Over the past 10 years, this metric has ranged from a low of 0.38 to a high of 1.47. The Banks industry median 5-Year Yield-on-Cost % is 3.81. Guangzhou Rural Commercial Bank Co's value of 0.53 is 86.1% below this industry median. Based on the distribution chart, Guangzhou Rural Commercial Bank Co ranks #1208 out of 1255 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Guangzhou Rural Commercial Bank Co has a GF Score™ of 61/100, reflecting its overall financial health beyond just this single metric.
How does Guangzhou Rural Commercial Bank Co's 5-Year Yield-on-Cost % compare to competitors?
According to the Banks industry distribution chart, Guangzhou Rural Commercial Bank Co ranks #1208 out of 1255 companies for 5-Year Yield-on-Cost %. This places Guangzhou Rural Commercial Bank Co in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.81. Guangzhou Rural Commercial Bank Co's value of 0.53 is 86.1% below this benchmark. Historically, Guangzhou Rural Commercial Bank Co's own 5-Year Yield-on-Cost % has ranged from 0.38 to 1.47 over the past decade. While the company's 10-year median is 0.97 vs. the industry median of 3.81, Guangzhou Rural Commercial Bank 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 1,255 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. Guangzhou Rural Commercial Bank Co's current 5-Year Yield-on-Cost % of 0.53 is 86.1% 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 Guangzhou Rural Commercial Bank 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. Guangzhou Rural Commercial Bank Co's current 5-Year Yield-on-Cost % is 0.53, which is 45% below median its own 10-year median of 0.97. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Guangzhou Rural Commercial Bank Co stock overvalued right now?
Guangzhou Rural Commercial Bank Co (STU:2GN) has a current 5-Year Yield-on-Cost % of 0.53. The stock's GF Value™ is €0.12, compared to a current price of €0.16 — trading 29.2% above its estimated fair value. The current 5-Year Yield-on-Cost % is 0.53, which is 45% below median its 10-year median of 0.97 and 86.1% below the Banks industry median of 3.81. Guangzhou Rural Commercial Bank Co's overall GF Score™ is 61/100 with 4 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 Guangzhou Rural Commercial Bank Co (STU:2GN), the current 5-Year Yield-on-Cost % is 0.53 as of Aug. 18, 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 Guangzhou Rural Commercial Bank Co (STU:2GN) Overvalued in 2026?
Based on GuruFocus' analysis, Guangzhou Rural Commercial Bank Co stock appears to be overvalued.
The current stock price of €0.16 is trading 29.2% above its estimated GF Value™ of €0.12.
Key valuation signals for STU:2GN:
5-Year Yield-on-Cost %: 0.53 (45% below median its 10-year median of 0.97)
GF Value™: €0.12 vs. price of €0.16 (29.2% above fair value)
Industry Position: 86.1% below the Banks median (#1208 of 1255)
No single metric tells the full story. See the STU:2GN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Guangzhou Rural Commercial Bank Co Ltd is engaged in providing banking and related financial services. The company's operating segments are Corporate banking, Retail banking, Financial market business, and others. It generates maximum revenue from the Corporate banking segment, which covers financial products and services for corporate customers, including deposits, loans, settlement, clearing, and other trade-related services. The bank conducts its business principally in Guangdong Province.
61GF Score
Get the complete analysis for STU:2GN
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
STU:2GN has been successfully added to your 
