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BPER Banca SpAWBO:BPE +0.58%55 5-Year Yield-on-Cost % is 4.76 as of Jul. 28, 2026, which is 60% above its 10-year median of 2.97. GuruFocus rates WBO:BPE with a GF Score™ of 55/100 and a GF Value™ of €5.02 (Significantly Overvalued). The stock has 8 warning signs investors should review. Among 1,252 Banks companies, BPER Banca SpA ranks better than 62.22% on this metric.
BPER Banca SpA's yield on cost for the quarter that ended in Dec. 2025 was 4.76.
The historical rank and industry rank for BPER Banca SpA's 5-Year Yield-on-Cost % or its related term are showing as below:
WBO:BPE'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.2 Med: 2.97 Max: 8.1
Current: 4.76
During the past 13 years, BPER Banca SpA's highest Yield on Cost was 8.10. The lowest was 1.20. And the median was 2.97.
WBO:BPE's 5-Year Yield-on-Cost % is ranked better than 62.22% of 1252
companies
in the Banks industry
Industry Median: 3.87
vs WBO:BPE: 4.76
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.
BPER Banca SpA 5-Year Yield-on-Cost % Related Terms
For the Banks - Regional subindustry, BPER Banca SpA'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.
BPER Banca SpA 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, BPER Banca SpA's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where BPER Banca SpA'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 BPER Banca SpA is calculated as
BPER Banca SpA (WBO:BPE) has a 5-Year Yield-on-Cost % of 4.76 as of Jul. 28, 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 BPER Banca SpA and its competitors. This is 60% above median its historical median of 2.97. Over the past decade, BPER Banca SpA's 5-Year Yield-on-Cost % has ranged from 1.20 to 8.10. According to the industry distribution chart, BPER Banca SpA ranks #473 out of 1252 companies in the Banks industry, placing it in the top 37.8%.
Is BPER Banca SpA's 5-Year Yield-on-Cost % too high?
BPER Banca SpA's current 5-Year Yield-on-Cost % of 4.76 is 60% above median its 10-year median of 2.97. Over the past 10 years, this metric has ranged from a low of 1.20 to a high of 8.10. The Banks industry median 5-Year Yield-on-Cost % is 3.87. BPER Banca SpA's value of 4.76 is 23% above this industry median. Based on the distribution chart, BPER Banca SpA ranks #473 out of 1252 companies in the Banks industry, which is above the industry midpoint. Overall, BPER Banca SpA has a GF Score™ of 55/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does BPER Banca SpA's 5-Year Yield-on-Cost % compare to competitors?
According to the Banks industry distribution chart, BPER Banca SpA ranks #473 out of 1252 companies for 5-Year Yield-on-Cost %. This puts BPER Banca SpA in the upper half of its industry. The industry median 5-Year Yield-on-Cost % is 3.87. BPER Banca SpA's value of 4.76 is 23% above this benchmark. Historically, BPER Banca SpA's own 5-Year Yield-on-Cost % has ranged from 1.20 to 8.10 over the past decade. While the company's 10-year median is 2.97 vs. the industry median of 3.87, BPER Banca SpA 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 3.87, 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. BPER Banca SpA's current 5-Year Yield-on-Cost % of 4.76 is 23% 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 BPER Banca SpA and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.87 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. BPER Banca SpA's current 5-Year Yield-on-Cost % is 4.76, which is 60% above median its own 10-year median of 2.97. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is BPER Banca SpA stock overvalued right now?
Based on GuruFocus' analysis, BPER Banca SpA (WBO:BPE) is currently considered Significantly Overvalued. The stock's GF Value™ is €5.02, compared to a current price of €13.95 — trading 177.9% above its estimated fair value. The current 5-Year Yield-on-Cost % is 4.76, which is 60% above median its 10-year median of 2.97 and 23% above the Banks industry median of 3.87. BPER Banca SpA's overall GF Score™ is 55/100 with 8 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 BPER Banca SpA (WBO:BPE), the current 5-Year Yield-on-Cost % is 4.76 as of Jul. 28, 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 BPER Banca SpA (WBO:BPE) Overvalued in 2026?
Based on GuruFocus' analysis, BPER Banca SpA stock appears to be overvalued.
The current stock price of €13.95 is trading 177.9% above its estimated GF Value™ of €5.02.
GuruFocus considers BPER Banca SpA to be Significantly Overvalued.
Key valuation signals for WBO:BPE:
5-Year Yield-on-Cost %: 4.76 (60% above median its 10-year median of 2.97)
GF Value™: €5.02 vs. price of €13.95 (177.9% above fair value)
Industry Position: 23% above the Banks median (#473 of 1252)
No single metric tells the full story. See the WBO:BPE stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
BPER Banca SpA is a banking group consisting of four Italian regional commercial banks that merged on the initiative of BPER Banca. The banks are involved in a number of market segments, including retail banking, corporate and investment banking, and wealth management and insurance. In addition to the banks, the Group includes product companies, including asset management, personal loans, leasing, and factoring operations, and special purpose vehicles. Its strategy emphasizes customer service and cooperative banking. BPER group's customer base overwhelming derives from retail banking, mostly from individuals with some business deposits. Its loan base, however, is principally the group's corporate customers.
55GF 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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