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Woodsboro Bk MDWOBK +1.18%57 5-Year Yield-on-Cost % is 1.52 as of Jul. 20, 2026, which is 48% above its 10-year median of 1.03. GuruFocus rates WOBK with a GF Score™ of 57/100 and a GF Value™ of $65.30 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 1,255 Banks companies, Woodsboro Bk MD ranks worse than 87.49% on this metric.
Woodsboro Bk MD's yield on cost for the quarter that ended in Dec. 2025 was 1.52.
The historical rank and industry rank for Woodsboro Bk MD's 5-Year Yield-on-Cost % or its related term are showing as below:
WOBK'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.84 Med: 1.03 Max: 1.71
Current: 1.52
During the past 7 years, Woodsboro Bk MD's highest Yield on Cost was 1.71. The lowest was 0.84. And the median was 1.03.
WOBK's 5-Year Yield-on-Cost % is ranked worse than 87.49% of 1255
companies
in the Banks industry
Industry Median: 3.86
vs WOBK: 1.52
Woodsboro Bk MD (OTCPK:WOBK) 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.
Woodsboro Bk MD 5-Year Yield-on-Cost % Related Terms
WOBK vs FBPA, RBNK, JFWV: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, Woodsboro Bk MD'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.
Woodsboro Bk MD 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Woodsboro Bk MD's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Woodsboro Bk MD's 5-Year Yield-on-Cost % falls into.
Woodsboro Bk MD 5-Year Yield-on-Cost % Calculation
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 Woodsboro Bk MD is calculated as
Woodsboro Bk MD (WOBK) has a 5-Year Yield-on-Cost % of 1.52 as of Jul. 20, 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 Woodsboro Bk MD and its competitors. This is 48% above median its historical median of 1.03. Over the past decade, Woodsboro Bk MD's 5-Year Yield-on-Cost % has ranged from 0.84 to 1.71. According to the industry distribution chart, Woodsboro Bk MD ranks #1098 out of 1255 companies in the Banks industry, placing it in the top 87.5%.
Is Woodsboro Bk MD's 5-Year Yield-on-Cost % too high?
Woodsboro Bk MD's current 5-Year Yield-on-Cost % of 1.52 is 48% above median its 10-year median of 1.03. Over the past 10 years, this metric has ranged from a low of 0.84 to a high of 1.71. The Banks industry median 5-Year Yield-on-Cost % is 3.86. Woodsboro Bk MD's value of 1.52 is 60.6% below this industry median. Based on the distribution chart, Woodsboro Bk MD ranks #1098 out of 1255 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Woodsboro Bk MD has a GF Score™ of 57/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Woodsboro Bk MD's 5-Year Yield-on-Cost % compare to FBPA and RBNK?
According to the Banks industry distribution chart, Woodsboro Bk MD ranks #1098 out of 1255 companies for 5-Year Yield-on-Cost %. This places Woodsboro Bk MD in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.86. Woodsboro Bk MD's value of 1.52 is 60.6% below this benchmark. Historically, Woodsboro Bk MD's own 5-Year Yield-on-Cost % has ranged from 0.84 to 1.71 over the past decade. While the company's 10-year median is 1.03 vs. the industry median of 3.86, Woodsboro Bk MD 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 3.86, based on 1,255 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. Woodsboro Bk MD's current 5-Year Yield-on-Cost % of 1.52 is 60.6% 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 Woodsboro Bk MD and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.86 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Woodsboro Bk MD's current 5-Year Yield-on-Cost % is 1.52, which is 48% above median its own 10-year median of 1.03. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Woodsboro Bk MD stock overvalued right now?
Based on GuruFocus' analysis, Woodsboro Bk MD (WOBK) is currently considered Significantly Overvalued. The stock's GF Value™ is $65.30, compared to a current price of $86.00 — trading 31.7% above its estimated fair value. The current 5-Year Yield-on-Cost % is 1.52, which is 48% above median its 10-year median of 1.03 and 60.6% below the Banks industry median of 3.86. Woodsboro Bk MD's overall GF Score™ is 57/100 with 4 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 Woodsboro Bk MD (WOBK), the current 5-Year Yield-on-Cost % is 1.52 as of Jul. 20, 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 Woodsboro Bk MD (WOBK) Overvalued in 2026?
Based on GuruFocus' analysis, Woodsboro Bk MD stock appears to be overvalued.
The current stock price of $86.00 is trading 31.7% above its estimated GF Value™ of $65.30.
GuruFocus considers Woodsboro Bk MD to be Significantly Overvalued.
Key valuation signals for WOBK:
5-Year Yield-on-Cost %: 1.52 (48% above median its 10-year median of 1.03)
GF Value™: $65.30 vs. price of $86.00 (31.7% above fair value)
Industry Position: 60.6% below the Banks median (#1098 of 1255)
No single metric tells the full story. See the WOBK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Woodsboro Bk MD provides a variety of financial services to individuals and corporate customers in its principal market area of Frederick County, Maryland through its five offices in Woodsboro, Frederick, and Thurmont, Maryland. The Bank's loans are categorized into seven segments: commercial real estate, residential real estate, multifamily real estate, real estate construction, other construction and land development, commercial and consumer loans.
57GF Score
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