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AL Sydbank ASSTU:TM2 -0.64%70 5-Year Yield-on-Cost % is 3.91 as of Aug. 08, 2026, which is 24% below its 10-year median of 5.12. GuruFocus rates STU:TM2 with a GF Score™ of 70/100 and a GF Value™ of €56.07 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,252 Banks companies, AL Sydbank AS ranks better than 51.84% on this metric.
AL Sydbank AS's yield on cost for the quarter that ended in Mar. 2026 was 3.91.
The historical rank and industry rank for AL Sydbank AS's 5-Year Yield-on-Cost % or its related term are showing as below:
STU:TM2'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.61 Med: 5.12 Max: 10.38
Current: 3.91
During the past 13 years, AL Sydbank AS's highest Yield on Cost was 10.38. The lowest was 1.61. And the median was 5.12.
STU:TM2's 5-Year Yield-on-Cost % is ranked better than 51.84% of 1252
companies
in the Banks industry
Industry Median: 3.805
vs STU:TM2: 3.91
AL Sydbank AS (STU:TM2) 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.
AL Sydbank AS 5-Year Yield-on-Cost % Related Terms
AL Sydbank AS 5-Year Yield-on-Cost % Competitor Comparison
For the Banks - Regional subindustry, AL Sydbank AS'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.
AL Sydbank AS 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, AL Sydbank AS's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where AL Sydbank AS'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 AL Sydbank AS is calculated as
AL Sydbank AS (STU:TM2) has a 5-Year Yield-on-Cost % of 3.91 as of Aug. 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 AL Sydbank AS and its competitors. This is 24% below median its historical median of 5.12. Over the past decade, AL Sydbank AS's 5-Year Yield-on-Cost % has ranged from 1.61 to 10.38. According to the industry distribution chart, AL Sydbank AS ranks #603 out of 1252 companies in the Banks industry, placing it in the top 48.2%.
Is AL Sydbank AS's 5-Year Yield-on-Cost % too high?
AL Sydbank AS's current 5-Year Yield-on-Cost % of 3.91 is 24% below median its 10-year median of 5.12. Over the past 10 years, this metric has ranged from a low of 1.61 to a high of 10.38. The Banks industry median 5-Year Yield-on-Cost % is 3.81. AL Sydbank AS's value of 3.91 is 2.8% above this industry median. Based on the distribution chart, AL Sydbank AS ranks #603 out of 1252 companies in the Banks industry, which is above the industry midpoint. Overall, AL Sydbank AS has a GF Score™ of 70/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does AL Sydbank AS's 5-Year Yield-on-Cost % compare to competitors?
According to the Banks industry distribution chart, AL Sydbank AS ranks #603 out of 1252 companies for 5-Year Yield-on-Cost %. This puts AL Sydbank AS in the upper half of its industry. The industry median 5-Year Yield-on-Cost % is 3.81. AL Sydbank AS's value of 3.91 is 2.8% above this benchmark. Historically, AL Sydbank AS's own 5-Year Yield-on-Cost % has ranged from 1.61 to 10.38 over the past decade. While the company's 10-year median is 5.12 vs. the industry median of 3.81, AL Sydbank AS 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 3.81, based on 1,252 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. AL Sydbank AS's current 5-Year Yield-on-Cost % of 3.91 is 2.8% 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 AL Sydbank AS 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. AL Sydbank AS's current 5-Year Yield-on-Cost % is 3.91, which is 24% below median its own 10-year median of 5.12. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is AL Sydbank AS stock overvalued right now?
Based on GuruFocus' analysis, AL Sydbank AS (STU:TM2) is currently considered Significantly Overvalued. The stock's GF Value™ is €56.07, compared to a current price of €84.85 — trading 51.3% above its estimated fair value. The current 5-Year Yield-on-Cost % is 3.91, which is 24% below median its 10-year median of 5.12 and 2.8% above the Banks industry median of 3.81. AL Sydbank AS's overall GF Score™ is 70/100 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 AL Sydbank AS (STU:TM2), the current 5-Year Yield-on-Cost % is 3.91 as of Aug. 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 AL Sydbank AS (STU:TM2) Overvalued in 2026?
Based on GuruFocus' analysis, AL Sydbank AS stock appears to be overvalued.
The current stock price of €84.85 is trading 51.3% above its estimated GF Value™ of €56.07.
GuruFocus considers AL Sydbank AS to be Significantly Overvalued.
Key valuation signals for STU:TM2:
5-Year Yield-on-Cost %: 3.91 (24% below median its 10-year median of 5.12)
GF Value™: €56.07 vs. price of €84.85 (51.3% above fair value)
Industry Position: 2.8% above the Banks median (#603 of 1252)
No single metric tells the full story. See the STU:TM2 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
AL Sydbank A/S is a Danish bank operating in Denmark and with some exposure to Northern Germany. The bank operates through five business segments: Banking, Asset Management, Sydbank Markets, Treasury, and Others. The bank provides various banking and financial advisory services such as mortgage credit, retail banking, investment banking, corporate banking, international banking, and asset management. A vast majority of Sydbank's net revenue is derived from its banking segment, which includes net interest and fee income from retail and corporate clients. The company earns the majority of its revenue in Denmark.
70GF Score
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