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WTB Financial AWTBFA 66 5-Year Yield-on-Cost % is 1.09 as of Sep. 14, 2026, which is 15% below its 10-year median of 1.28. GuruFocus rates WTBFA with a GF Score™ of 66/100 and a GF Value™ of $718.43 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,241 Banks companies, WTB Financial A ranks worse than 91.86% on this metric.
WTB Financial A's yield on cost for the quarter that ended in Jun. 2026 was 1.09.
The historical rank and industry rank for WTB Financial A's 5-Year Yield-on-Cost % or its related term are showing as below:
WTBFA'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.67 Med: 1.28 Max: 2.4
Current: 1.09
During the past 10 years, WTB Financial A's highest Yield on Cost was 2.40. The lowest was 0.67. And the median was 1.28.
WTBFA's 5-Year Yield-on-Cost % is ranked worse than 91.86% of 1241
companies
in the Banks industry
Industry Median: 3.84
vs WTBFA: 1.09
WTB Financial A (OTCPK:WTBFA) 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.
WTB Financial A 5-Year Yield-on-Cost % Related Terms
WTBFA vs MCB, FSBC, UVSP: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, WTB Financial A'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.
WTB Financial A 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, WTB Financial A's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where WTB Financial A's 5-Year Yield-on-Cost % falls into.
WTB Financial A 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 WTB Financial A is calculated as
WTB Financial A (WTBFA) has a 5-Year Yield-on-Cost % of 1.09 as of Sep. 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 WTB Financial A and its competitors. This is 15% below median its historical median of 1.28. Over the past decade, WTB Financial A's 5-Year Yield-on-Cost % has ranged from 0.67 to 2.40. According to the industry distribution chart, WTB Financial A ranks #1140 out of 1241 companies in the Banks industry, placing it in the top 91.9%.
Is WTB Financial A's 5-Year Yield-on-Cost % too high?
WTB Financial A's current 5-Year Yield-on-Cost % of 1.09 is 15% below median its 10-year median of 1.28. Over the past 10 years, this metric has ranged from a low of 0.67 to a high of 2.40. The Banks industry median 5-Year Yield-on-Cost % is 3.84. WTB Financial A's value of 1.09 is 71.6% below this industry median. Based on the distribution chart, WTB Financial A ranks #1140 out of 1241 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, WTB Financial A has a GF Score™ of 66/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does WTB Financial A's 5-Year Yield-on-Cost % compare to MCB and FSBC?
According to the Banks industry distribution chart, WTB Financial A ranks #1140 out of 1241 companies for 5-Year Yield-on-Cost %. This places WTB Financial A in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.84. WTB Financial A's value of 1.09 is 71.6% below this benchmark. Historically, WTB Financial A's own 5-Year Yield-on-Cost % has ranged from 0.67 to 2.40 over the past decade. While the company's 10-year median is 1.28 vs. the industry median of 3.84, WTB Financial A 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 3.84, based on 1,241 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. WTB Financial A's current 5-Year Yield-on-Cost % of 1.09 is 71.6% 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 WTB Financial A and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.84 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. WTB Financial A's current 5-Year Yield-on-Cost % is 1.09, which is 15% below median its own 10-year median of 1.28. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is WTB Financial A stock overvalued right now?
Based on GuruFocus' analysis, WTB Financial A (WTBFA) is currently considered Fairly Valued. The stock's GF Value™ is $718.43, compared to a current price of $680.00 — trading 5.3% below its estimated fair value. The current 5-Year Yield-on-Cost % is 1.09, which is 15% below median its 10-year median of 1.28 and 71.6% below the Banks industry median of 3.84. WTB Financial A's overall GF Score™ is 66/100 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 WTB Financial A (WTBFA), the current 5-Year Yield-on-Cost % is 1.09 as of Sep. 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 WTB Financial A (WTBFA) Overvalued in 2026?
Based on GuruFocus' analysis, WTB Financial A stock appears to be undervalued.
The current stock price of $680.00 is trading 5.3% below its estimated GF Value™ of $718.43.
GuruFocus considers WTB Financial A to be Fairly Valued.
Key valuation signals for WTBFA:
5-Year Yield-on-Cost %: 1.09 (15% below median its 10-year median of 1.28)
GF Value™: $718.43 vs. price of $680.00 (5.3% below fair value)
Industry Position: 71.6% below the Banks median (#1140 of 1241)
No single metric tells the full story. See the WTBFA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
WTB Financial A operates as a bank holding company of Washington Trust Bank. The company is engaged in the business of financial services in Washington, Idaho and Oregon. It also provides a wide range of banking, fiduciary, asset management, mortgage banking, and other financial services to corporate and individual customers. Its loan segments consist of the following disaggregation of loan types. Commercial and industrial loans are segmented into seven pools, including commercial taxable loans, commercial tax-exempt loans, commercial lines of credit, other commercial loans, commercial credit card loans, small business administration loans, and overdrafts.
66GF 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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