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.
West Shore BankWSSH 56 5-Year Yield-on-Cost % is 2.27 as of Jul. 14, 2026, which is 32% below its 10-year median of 3.36. GuruFocus rates WSSH with a GF Score™ of 56/100 and a GF Value™ of $35.03 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,257 Banks companies, West Shore Bank ranks worse than 77.96% on this metric.
West Shore Bank's yield on cost for the quarter that ended in Dec. 2025 was 2.27.
The historical rank and industry rank for West Shore Bank's 5-Year Yield-on-Cost % or its related term are showing as below:
WSSH'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.25 Med: 3.36 Max: 4.62
Current: 2.27
During the past 7 years, West Shore Bank's highest Yield on Cost was 4.62. The lowest was 2.25. And the median was 3.36.
WSSH's 5-Year Yield-on-Cost % is ranked worse than 77.96% of 1257
companies
in the Banks industry
Industry Median: 3.89
vs WSSH: 2.27
West Shore Bank (OTCPK:WSSH) 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.
West Shore Bank 5-Year Yield-on-Cost % Related Terms
WSSH vs GVYB, TBBC, TCBS: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, West Shore 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.
West Shore Bank 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, West Shore Bank's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where West Shore Bank's 5-Year Yield-on-Cost % falls into.
West Shore Bank 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 West Shore Bank is calculated as
West Shore Bank (WSSH) has a 5-Year Yield-on-Cost % of 2.27 as of Jul. 14, 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 West Shore Bank and its competitors. This is 32% below median its historical median of 3.36. Over the past decade, West Shore Bank's 5-Year Yield-on-Cost % has ranged from 2.25 to 4.62. According to the industry distribution chart, West Shore Bank ranks #980 out of 1257 companies in the Banks industry, placing it in the top 78%.
Is West Shore Bank's 5-Year Yield-on-Cost % too high?
West Shore Bank's current 5-Year Yield-on-Cost % of 2.27 is 32% below median its 10-year median of 3.36. Over the past 10 years, this metric has ranged from a low of 2.25 to a high of 4.62. The Banks industry median 5-Year Yield-on-Cost % is 3.89. West Shore Bank's value of 2.27 is 41.6% below this industry median. Based on the distribution chart, West Shore Bank ranks #980 out of 1257 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, West Shore Bank has a GF Score™ of 56/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does West Shore Bank's 5-Year Yield-on-Cost % compare to GVYB and TBBC?
According to the Banks industry distribution chart, West Shore Bank ranks #980 out of 1257 companies for 5-Year Yield-on-Cost %. This places West Shore Bank in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.89. West Shore Bank's value of 2.27 is 41.6% below this benchmark. Historically, West Shore Bank's own 5-Year Yield-on-Cost % has ranged from 2.25 to 4.62 over the past decade. While the company's 10-year median is 3.36 vs. the industry median of 3.89, West Shore 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 3.89, based on 1,257 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. West Shore Bank's current 5-Year Yield-on-Cost % of 2.27 is 41.6% 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 West Shore 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. West Shore Bank's current 5-Year Yield-on-Cost % is 2.27, which is 32% below median its own 10-year median of 3.36. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is West Shore Bank stock overvalued right now?
Based on GuruFocus' analysis, West Shore Bank (WSSH) is currently considered Modestly Overvalued. The stock's GF Value™ is $35.03, compared to a current price of $43.05 — trading 22.9% above its estimated fair value. The current 5-Year Yield-on-Cost % is 2.27, which is 32% below median its 10-year median of 3.36 and 41.6% below the Banks industry median of 3.89. West Shore Bank's overall GF Score™ is 56/100 with 7 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 West Shore Bank (WSSH), the current 5-Year Yield-on-Cost % is 2.27 as of Jul. 14, 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 West Shore Bank (WSSH) Overvalued in 2026?
Based on GuruFocus' analysis, West Shore Bank stock appears to be overvalued.
The current stock price of $43.05 is trading 22.9% above its estimated GF Value™ of $35.03.
GuruFocus considers West Shore Bank to be Modestly Overvalued.
Key valuation signals for WSSH:
5-Year Yield-on-Cost %: 2.27 (32% below median its 10-year median of 3.36)
GF Value™: $35.03 vs. price of $43.05 (22.9% above fair value)
Industry Position: 41.6% below the Banks median (#980 of 1257)
No single metric tells the full story. See the WSSH stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
West Shore Bank Corp is a provider of banking and financial service. The banks services include time savings, demand deposits and checking account services; commercial, consumer and mortgage loan services; treasury and cash management services; wealth management and investment services; telephone banking, Internet banking and mobile banking services; safe deposit, and automated transaction machine (ATM/ITM) services, among others.
56GF Score
Get the complete analysis for WSSH
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
WSSH has been successfully added to your 
