Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Towa BankTSE:8558 +0.67%51 5-Year Yield-on-Cost % is 2.74 as of Aug. 04, 2026, which is 37% below its 10-year median of 4.36. GuruFocus rates TSE:8558 with a GF Score™ of 51/100 and a GF Value™ of 円849.68 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,252 Banks companies, Towa Bank ranks worse than 68.37% on this metric.
Towa Bank's yield on cost for the quarter that ended in Mar. 2026 was 2.74.
The historical rank and industry rank for Towa Bank's 5-Year Yield-on-Cost % or its related term are showing as below:
TSE:8558'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.31 Med: 4.36 Max: 8.57
Current: 2.74
During the past 13 years, Towa Bank's highest Yield on Cost was 8.57. The lowest was 1.31. And the median was 4.36.
TSE:8558's 5-Year Yield-on-Cost % is ranked worse than 68.37% of 1252
companies
in the Banks industry
Industry Median: 3.825
vs TSE:8558: 2.74
Towa Bank (TSE:8558) 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.
Towa Bank 5-Year Yield-on-Cost % Related Terms
Towa Bank 5-Year Yield-on-Cost % Competitor Comparison
For the Banks - Regional subindustry, Towa 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.
Towa Bank 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Towa Bank's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Towa 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 Towa Bank is calculated as
Towa Bank (TSE:8558) has a 5-Year Yield-on-Cost % of 2.74 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 Towa Bank and its competitors. This is 37% below median its historical median of 4.36. Over the past decade, Towa Bank's 5-Year Yield-on-Cost % has ranged from 1.31 to 8.57. According to the industry distribution chart, Towa Bank ranks #856 out of 1252 companies in the Banks industry, placing it in the top 68.4%.
Is Towa Bank's 5-Year Yield-on-Cost % too high?
Towa Bank's current 5-Year Yield-on-Cost % of 2.74 is 37% below median its 10-year median of 4.36. Over the past 10 years, this metric has ranged from a low of 1.31 to a high of 8.57. The Banks industry median 5-Year Yield-on-Cost % is 3.83. Towa Bank's value of 2.74 is 28.4% below this industry median. Based on the distribution chart, Towa Bank ranks #856 out of 1252 companies in the Banks industry, which is below the industry midpoint. Overall, Towa Bank has a GF Score™ of 51/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Towa Bank's 5-Year Yield-on-Cost % compare to competitors?
According to the Banks industry distribution chart, Towa Bank ranks #856 out of 1252 companies for 5-Year Yield-on-Cost %. This places Towa Bank in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.83. Towa Bank's value of 2.74 is 28.4% below this benchmark. Historically, Towa Bank's own 5-Year Yield-on-Cost % has ranged from 1.31 to 8.57 over the past decade. While the company's 10-year median is 4.36 vs. the industry median of 3.83, Towa 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. Towa Bank's current 5-Year Yield-on-Cost % of 2.74 is 28.4% 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 Towa 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. Towa Bank's current 5-Year Yield-on-Cost % is 2.74, which is 37% below median its own 10-year median of 4.36. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Towa Bank stock overvalued right now?
Based on GuruFocus' analysis, Towa Bank (TSE:8558) is currently considered Significantly Overvalued. The stock's GF Value™ is 円849.68, compared to a current price of 円1,350.00 — trading 58.9% above its estimated fair value. The current 5-Year Yield-on-Cost % is 2.74, which is 37% below median its 10-year median of 4.36 and 28.4% below the Banks industry median of 3.83. Towa Bank's overall GF Score™ is 51/100 with 5 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 Towa Bank (TSE:8558), the current 5-Year Yield-on-Cost % is 2.74 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 Towa Bank (TSE:8558) Overvalued in 2026?
Based on GuruFocus' analysis, Towa Bank stock appears to be overvalued.
The current stock price of 円1,350.00 is trading 58.9% above its estimated GF Value™ of 円849.68.
GuruFocus considers Towa Bank to be Significantly Overvalued.
Key valuation signals for TSE:8558:
5-Year Yield-on-Cost %: 2.74 (37% below median its 10-year median of 4.36)
GF Value™: 円849.68 vs. price of 円1,350.00 (58.9% above fair value)
Industry Position: 28.4% below the Banks median (#856 of 1252)
No single metric tells the full story. See the TSE:8558 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Towa Bank Ltd is a regional bank that provides banking and financial services. Its banking services includes deposits, loans, and foreign exchange transaction.
51GF Score
Get the complete analysis for TSE:8558
5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
TSE:8558 has been successfully added to your 
