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Tochigi BankTSE:8550 +0.84%48 5-Year Yield-on-Cost % is 2.63 as of Aug. 04, 2026, which is 67% below its 10-year median of 8.03. GuruFocus rates TSE:8550 with a GF Score™ of 48/100 and a GF Value™ of 円363.03 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 1,252 Banks companies, Tochigi Bank ranks worse than 70.13% on this metric.
Tochigi Bank's yield on cost for the quarter that ended in Mar. 2026 was 2.63.
The historical rank and industry rank for Tochigi Bank's 5-Year Yield-on-Cost % or its related term are showing as below:
TSE:8550'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.63 Med: 8.03 Max: 16.09
Current: 2.63
During the past 13 years, Tochigi Bank's highest Yield on Cost was 16.09. The lowest was 2.63. And the median was 8.03.
TSE:8550's 5-Year Yield-on-Cost % is ranked worse than 70.13% of 1252
companies
in the Banks industry
Industry Median: 3.825
vs TSE:8550: 2.63
Tochigi Bank (TSE:8550) 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.
Tochigi Bank 5-Year Yield-on-Cost % Related Terms
Tochigi Bank 5-Year Yield-on-Cost % Competitor Comparison
For the Banks - Regional subindustry, Tochigi 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.
Tochigi Bank 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Tochigi Bank's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Tochigi 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 Tochigi Bank is calculated as
Tochigi Bank (TSE:8550) has a 5-Year Yield-on-Cost % of 2.63 as of Aug. 04, 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 Tochigi Bank and its competitors. This is 67% below median its historical median of 8.03. Over the past decade, Tochigi Bank's 5-Year Yield-on-Cost % has ranged from 2.63 to 16.09. According to the industry distribution chart, Tochigi Bank ranks #878 out of 1252 companies in the Banks industry, placing it in the top 70.1%.
Is Tochigi Bank's 5-Year Yield-on-Cost % too high?
Tochigi Bank's current 5-Year Yield-on-Cost % of 2.63 is 67% below median its 10-year median of 8.03. Over the past 10 years, this metric has ranged from a low of 2.63 to a high of 16.09. The Banks industry median 5-Year Yield-on-Cost % is 3.83. Tochigi Bank's value of 2.63 is 31.2% below this industry median. Based on the distribution chart, Tochigi Bank ranks #878 out of 1252 companies in the Banks industry, which is below the industry midpoint. Overall, Tochigi 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 Tochigi Bank's 5-Year Yield-on-Cost % compare to competitors?
According to the Banks industry distribution chart, Tochigi Bank ranks #878 out of 1252 companies for 5-Year Yield-on-Cost %. This places Tochigi Bank in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.83. Tochigi Bank's value of 2.63 is 31.2% below this benchmark. Historically, Tochigi Bank's own 5-Year Yield-on-Cost % has ranged from 2.63 to 16.09 over the past decade. While the company's 10-year median is 8.03 vs. the industry median of 3.83, Tochigi Bank 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 3.83, 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. Tochigi Bank's current 5-Year Yield-on-Cost % of 2.63 is 31.2% 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 Tochigi Bank and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.83 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Tochigi Bank's current 5-Year Yield-on-Cost % is 2.63, which is 67% below median its own 10-year median of 8.03. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Tochigi Bank stock overvalued right now?
Based on GuruFocus' analysis, Tochigi Bank (TSE:8550) is currently considered Significantly Overvalued. The stock's GF Value™ is 円363.03, compared to a current price of 円962.00 — trading 165% above its estimated fair value. The current 5-Year Yield-on-Cost % is 2.63, which is 67% below median its 10-year median of 8.03 and 31.2% below the Banks industry median of 3.83. Tochigi Bank's overall GF Score™ is 48/100 with 3 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 Tochigi Bank (TSE:8550), the current 5-Year Yield-on-Cost % is 2.63 as of Aug. 04, 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 Tochigi Bank (TSE:8550) Overvalued in 2026?
Based on GuruFocus' analysis, Tochigi Bank stock appears to be overvalued.
The current stock price of 円962.00 is trading 165% above its estimated GF Value™ of 円363.03.
GuruFocus considers Tochigi Bank to be Significantly Overvalued.
Key valuation signals for TSE:8550:
5-Year Yield-on-Cost %: 2.63 (67% below median its 10-year median of 8.03)
GF Value™: 円363.03 vs. price of 円962.00 (165% above fair value)
Industry Position: 31.2% below the Banks median (#878 of 1252)
No single metric tells the full story. See the TSE:8550 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Tochigi Bank Ltd is a regional bank based in Tochigi. It provides commercial banking services such as deposit services, domestic and foreign exchange services, asset management plan service, mutual fund, money life support plan, brokerage agent intermediary service, life insurance, term insurance, housing loan, as well as the over-the-counter sale of insurance products. All the business activity of the group is primarily functioned through Japan.
48GF Score
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