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Toho BankTSE:8346 -1.67%48 5-Year Yield-on-Cost % is 4.22 as of Aug. 09, 2026, which is 29% below its 10-year median of 5.91. GuruFocus rates TSE:8346 with a GF Score™ of 48/100 and a GF Value™ of 円422.24 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,246 Banks companies, Toho Bank ranks better than 56.66% on this metric.
Toho Bank's yield on cost for the quarter that ended in Mar. 2026 was 4.22.
The historical rank and industry rank for Toho Bank's 5-Year Yield-on-Cost % or its related term are showing as below:
TSE:8346'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 3.82 Med: 5.91 Max: 10.37
Current: 4.22
During the past 13 years, Toho Bank's highest Yield on Cost was 10.37. The lowest was 3.82. And the median was 5.91.
TSE:8346's 5-Year Yield-on-Cost % is ranked better than 56.66% of 1246
companies
in the Banks industry
Industry Median: 3.81
vs TSE:8346: 4.22
Toho Bank (TSE:8346) 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.
Toho Bank 5-Year Yield-on-Cost % Related Terms
Toho Bank 5-Year Yield-on-Cost % Competitor Comparison
For the Banks - Regional subindustry, Toho 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.
Toho Bank 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Toho Bank's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Toho Bank'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 Toho Bank is calculated as
Toho Bank (TSE:8346) has a 5-Year Yield-on-Cost % of 4.22 as of Aug. 09, 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 Toho Bank and its competitors. This is 29% below median its historical median of 5.91. Over the past decade, Toho Bank's 5-Year Yield-on-Cost % has ranged from 3.82 to 10.37. According to the industry distribution chart, Toho Bank ranks #540 out of 1246 companies in the Banks industry, placing it in the top 43.3%.
Is Toho Bank's 5-Year Yield-on-Cost % too high?
Toho Bank's current 5-Year Yield-on-Cost % of 4.22 is 29% below median its 10-year median of 5.91. Over the past 10 years, this metric has ranged from a low of 3.82 to a high of 10.37. The Banks industry median 5-Year Yield-on-Cost % is 3.81. Toho Bank's value of 4.22 is 10.8% above this industry median. Based on the distribution chart, Toho Bank ranks #540 out of 1246 companies in the Banks industry, which is above the industry midpoint. Overall, Toho Bank has a GF Score™ of 48/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Toho Bank's 5-Year Yield-on-Cost % compare to competitors?
According to the Banks industry distribution chart, Toho Bank ranks #540 out of 1246 companies for 5-Year Yield-on-Cost %. This puts Toho Bank in the upper half of its industry. The industry median 5-Year Yield-on-Cost % is 3.81. Toho Bank's value of 4.22 is 10.8% above this benchmark. Historically, Toho Bank's own 5-Year Yield-on-Cost % has ranged from 3.82 to 10.37 over the past decade. While the company's 10-year median is 5.91 vs. the industry median of 3.81, Toho Bank 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 1,246 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. Toho Bank's current 5-Year Yield-on-Cost % of 4.22 is 10.8% 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 Toho Bank 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. Toho Bank's current 5-Year Yield-on-Cost % is 4.22, which is 29% below median its own 10-year median of 5.91. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Toho Bank stock overvalued right now?
Based on GuruFocus' analysis, Toho Bank (TSE:8346) is currently considered Significantly Overvalued. The stock's GF Value™ is 円422.24, compared to a current price of 円942.00 — trading 123.1% above its estimated fair value. The current 5-Year Yield-on-Cost % is 4.22, which is 29% below median its 10-year median of 5.91 and 10.8% above the Banks industry median of 3.81. Toho Bank's overall GF Score™ is 48/100 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 Toho Bank (TSE:8346), the current 5-Year Yield-on-Cost % is 4.22 as of Aug. 09, 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 Toho Bank (TSE:8346) Overvalued in 2026?
Based on GuruFocus' analysis, Toho Bank stock appears to be overvalued.
The current stock price of 円942.00 is trading 123.1% above its estimated GF Value™ of 円422.24.
GuruFocus considers Toho Bank to be Significantly Overvalued.
Key valuation signals for TSE:8346:
5-Year Yield-on-Cost %: 4.22 (29% below median its 10-year median of 5.91)
GF Value™: 円422.24 vs. price of 円942.00 (123.1% above fair value)
Industry Position: 10.8% above the Banks median (#540 of 1246)
No single metric tells the full story. See the TSE:8346 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Toho Bank Ltd is a Japanese regional commercial bank group operating in the Fukushima prefecture of the island nation. The group consists of a bank and seven subsidiaries, which provide banking, leasing, credit card, and credit guaranteeing services. The banking business consists of money transfer, lending, foreign exchange services, and associate businesses. Most of the group's earnings assets are in loans and bill discounted, followed by securities. Net interest income and fees and commissions income generate most of the group's income.
48GF 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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