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Shiga BankTSE:8366 -1.15%43 5-Year Yield-on-Cost % is 4.16 as of Jul. 24, 2026, which is 29% below its 10-year median of 5.85. GuruFocus rates TSE:8366 with a GF Score™ of 43/100 and a GF Value™ of 円1,254.06 (Significantly Overvalued). The stock has 1 warning sign investors should review. Among 1,250 Banks companies, Shiga Bank ranks better than 55.36% on this metric.
Shiga Bank's yield on cost for the quarter that ended in Mar. 2026 was 4.16.
The historical rank and industry rank for Shiga Bank's 5-Year Yield-on-Cost % or its related term are showing as below:
TSE:8366'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 3.92 Med: 5.85 Max: 12.07
Current: 4.16
During the past 13 years, Shiga Bank's highest Yield on Cost was 12.07. The lowest was 3.92. And the median was 5.85.
TSE:8366's 5-Year Yield-on-Cost % is ranked better than 55.36% of 1250
companies
in the Banks industry
Industry Median: 3.885
vs TSE:8366: 4.16
Shiga Bank (TSE:8366) 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.
Shiga Bank 5-Year Yield-on-Cost % Related Terms
Shiga Bank 5-Year Yield-on-Cost % Competitor Comparison
For the Banks - Regional subindustry, Shiga 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.
Shiga Bank 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Shiga Bank's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Shiga 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 Shiga Bank is calculated as
Shiga Bank (TSE:8366) has a 5-Year Yield-on-Cost % of 4.16 as of Jul. 24, 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 Shiga Bank and its competitors. This is 29% below median its historical median of 5.85. Over the past decade, Shiga Bank's 5-Year Yield-on-Cost % has ranged from 3.92 to 12.07. According to the industry distribution chart, Shiga Bank ranks #558 out of 1250 companies in the Banks industry, placing it in the top 44.6%.
Is Shiga Bank's 5-Year Yield-on-Cost % too high?
Shiga Bank's current 5-Year Yield-on-Cost % of 4.16 is 29% below median its 10-year median of 5.85. Over the past 10 years, this metric has ranged from a low of 3.92 to a high of 12.07. The Banks industry median 5-Year Yield-on-Cost % is 3.89. Shiga Bank's value of 4.16 is 7.1% above this industry median. Based on the distribution chart, Shiga Bank ranks #558 out of 1250 companies in the Banks industry, which is above the industry midpoint. Overall, Shiga Bank has a GF Score™ of 43/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Shiga Bank's 5-Year Yield-on-Cost % compare to competitors?
According to the Banks industry distribution chart, Shiga Bank ranks #558 out of 1250 companies for 5-Year Yield-on-Cost %. This puts Shiga Bank in the upper half of its industry. The industry median 5-Year Yield-on-Cost % is 3.89. Shiga Bank's value of 4.16 is 7.1% above this benchmark. Historically, Shiga Bank's own 5-Year Yield-on-Cost % has ranged from 3.92 to 12.07 over the past decade. While the company's 10-year median is 5.85 vs. the industry median of 3.89, Shiga 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 3.89, based on 1,250 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. Shiga Bank's current 5-Year Yield-on-Cost % of 4.16 is 7.1% 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 Shiga Bank 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. Shiga Bank's current 5-Year Yield-on-Cost % is 4.16, which is 29% below median its own 10-year median of 5.85. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Shiga Bank stock overvalued right now?
Based on GuruFocus' analysis, Shiga Bank (TSE:8366) is currently considered Significantly Overvalued. The stock's GF Value™ is 円1,254.06, compared to a current price of 円2,655.00 — trading 111.7% above its estimated fair value. The current 5-Year Yield-on-Cost % is 4.16, which is 29% below median its 10-year median of 5.85 and 7.1% above the Banks industry median of 3.89. Shiga Bank's overall GF Score™ is 43/100 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 Shiga Bank (TSE:8366), the current 5-Year Yield-on-Cost % is 4.16 as of Jul. 24, 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 Shiga Bank (TSE:8366) Overvalued in 2026?
Based on GuruFocus' analysis, Shiga Bank stock appears to be overvalued.
The current stock price of 円2,655.00 is trading 111.7% above its estimated GF Value™ of 円1,254.06.
GuruFocus considers Shiga Bank to be Significantly Overvalued.
Key valuation signals for TSE:8366:
5-Year Yield-on-Cost %: 4.16 (29% below median its 10-year median of 5.85)
GF Value™: 円1,254.06 vs. price of 円2,655.00 (111.7% above fair value)
Industry Position: 7.1% above the Banks median (#558 of 1250)
No single metric tells the full story. See the TSE:8366 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Shiga Bank Ltd is a Japanese bank that has a majority of its deposit and loan portfolio targeting the Shiga prefecture. The bank's strategy emphasizes regional market penetration to build and grow its current customer base. Its corporate customer acquisition strategy attempts to leverage its financial intermediary functions. Its high-net-worth client acquisition strategy emphasizes pushing trust products and inheritance tax mitigation measures such as real estate. Loans on deeds constitute an overwhelming majority of its loan portfolio. The bank's deposit base, however, is split nearly evenly between ordinary and time deposits.
43GF Score
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