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Bank of Tianjin CoSTU:B95 +1.85%55 5-Year Yield-on-Cost % is 7.96 as of Sep. 21, 2026, which is 35% above its 10-year median of 5.90. GuruFocus rates STU:B95 with a GF Score™ of 55/100 and a GF Value™ of €0.21. The stock has 4 warning signs investors should review. Among 1,240 Banks companies, Bank of Tianjin Co ranks better than 80.56% on this metric.
Bank of Tianjin Co's yield on cost for the quarter that ended in Jun. 2026 was 7.96.
The historical rank and industry rank for Bank of Tianjin Co's 5-Year Yield-on-Cost % or its related term are showing as below:
STU:B95'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 3 Med: 5.9 Max: 8.18
Current: 7.96
During the past 13 years, Bank of Tianjin Co's highest Yield on Cost was 8.18. The lowest was 3.00. And the median was 5.90.
STU:B95's 5-Year Yield-on-Cost % is ranked better than 80.56% of 1240
companies
in the Banks industry
Industry Median: 3.82
vs STU:B95: 7.96
Bank of Tianjin Co (STU:B95) 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.
Bank of Tianjin Co 5-Year Yield-on-Cost % Related Terms
Bank of Tianjin Co 5-Year Yield-on-Cost % Competitor Comparison
For the Banks - Regional subindustry, Bank of Tianjin 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.
Bank of Tianjin Co 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Bank of Tianjin Co's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Bank of Tianjin Co's 5-Year Yield-on-Cost % falls into.
Bank of Tianjin 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.
Bank of Tianjin Co (STU:B95) has a 5-Year Yield-on-Cost % of 7.96 as of Sep. 21, 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 Bank of Tianjin Co and its competitors. This is 35% above median its historical median of 5.90. Over the past decade, Bank of Tianjin Co's 5-Year Yield-on-Cost % has ranged from 3.00 to 8.18. According to the industry distribution chart, Bank of Tianjin Co ranks #241 out of 1240 companies in the Banks industry, placing it in the top 19.4%.
Is Bank of Tianjin Co's 5-Year Yield-on-Cost % too high?
Bank of Tianjin Co's current 5-Year Yield-on-Cost % of 7.96 is 35% above median its 10-year median of 5.90. Over the past 10 years, this metric has ranged from a low of 3.00 to a high of 8.18. The Banks industry median 5-Year Yield-on-Cost % is 3.82. Bank of Tianjin Co's value of 7.96 is 108.4% above this industry median. Based on the distribution chart, Bank of Tianjin Co ranks #241 out of 1240 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Bank of Tianjin Co has a GF Score™ of 55/100, reflecting its overall financial health beyond just this single metric.
How does Bank of Tianjin Co's 5-Year Yield-on-Cost % compare to competitors?
According to the Banks industry distribution chart, Bank of Tianjin Co ranks #241 out of 1240 companies for 5-Year Yield-on-Cost %. This places Bank of Tianjin Co in the top 19% of its industry — outperforming the majority of peers. The industry median 5-Year Yield-on-Cost % is 3.82. Bank of Tianjin Co's value of 7.96 is 108.4% above this benchmark. Historically, Bank of Tianjin Co's own 5-Year Yield-on-Cost % has ranged from 3.00 to 8.18 over the past decade. While the company's 10-year median is 5.90 vs. the industry median of 3.82, Bank of Tianjin Co 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 3.82, based on 1,240 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. Bank of Tianjin Co's current 5-Year Yield-on-Cost % of 7.96 is 108.4% 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 Bank of Tianjin Co and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.82 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bank of Tianjin Co's current 5-Year Yield-on-Cost % is 7.96, which is 35% above median its own 10-year median of 5.90. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bank of Tianjin Co stock overvalued right now?
Bank of Tianjin Co (STU:B95) has a current 5-Year Yield-on-Cost % of 7.96. The stock's GF Value™ is €0.21, compared to a current price of €0.22 — trading 4.8% above its estimated fair value. The current 5-Year Yield-on-Cost % is 7.96, which is 35% above median its 10-year median of 5.90 and 108.4% above the Banks industry median of 3.82. Bank of Tianjin Co's overall GF Score™ is 55/100 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 Bank of Tianjin Co (STU:B95), the current 5-Year Yield-on-Cost % is 7.96 as of Sep. 21, 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 Bank of Tianjin Co (STU:B95) Overvalued in 2026?
Based on GuruFocus' analysis, Bank of Tianjin Co stock appears to be overvalued.
The current stock price of €0.22 is trading 4.8% above its estimated GF Value™ of €0.21.
Key valuation signals for STU:B95:
5-Year Yield-on-Cost %: 7.96 (35% above median its 10-year median of 5.90)
GF Value™: €0.21 vs. price of €0.22 (4.8% above fair value)
Industry Position: 108.4% above the Banks median (#241 of 1240)
No single metric tells the full story. See the STU:B95 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Bank of Tianjin Co Ltd is engaged in corporate banking, personal banking, treasury operations, and other financial services, providing a diversified range of banking products and services. The corporate banking segment, which generates maximum revenue, offers loans, trade financing, deposit-taking, and intermediary services to corporations, government agencies, and financial institutions. The personal banking segment provides loans, deposits, card business, wealth management, and intermediary services to individual customers. The treasury operations segment conducts money market, foreign exchange, precious metals, and derivatives transactions, and debt instrument investments for its own accounts or on behalf of customers.
55GF 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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