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NCB Financial GroupXJAM:NCBFG 60 5-Year Yield-on-Cost % is 2.98 as of Sep. 15, 2026, which is 54% above its 10-year median of 1.93. GuruFocus rates XJAM:NCBFG with a GF Score™ of 60/100 and a GF Value™ of JMD39.20 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 46 Diversified Financial Services companies, NCB Financial Group ranks worse than 65.22% on this metric.
NCB Financial Group's yield on cost for the quarter that ended in Mar. 2026 was 2.98.
The historical rank and industry rank for NCB Financial Group's 5-Year Yield-on-Cost % or its related term are showing as below:
XJAM:NCBFG'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.35 Med: 1.93 Max: 5.66
Current: 2.98
During the past 13 years, NCB Financial Group's highest Yield on Cost was 5.66. The lowest was 0.35. And the median was 1.93.
XJAM:NCBFG's 5-Year Yield-on-Cost % is ranked worse than 65.22% of 46
companies
in the Diversified Financial Services industry
Industry Median: 4.335
vs XJAM:NCBFG: 2.98
NCB Financial Group (XJAM:NCBFG) 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.
NCB Financial Group 5-Year Yield-on-Cost % Related Terms
XJAM:NCBFG vs FRHC, VOYA: 5-Year Yield-on-Cost % Comparison
For the Financial Conglomerates subindustry, NCB Financial Group'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.
NCB Financial Group 5-Year Yield-on-Cost % vs Diversified Financial Services Industry
For the Diversified Financial Services industry and Financial Services sector, NCB Financial Group's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where NCB Financial Group's 5-Year Yield-on-Cost % falls into.
NCB Financial Group 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.
NCB Financial Group (XJAM:NCBFG) has a 5-Year Yield-on-Cost % of 2.98 as of Sep. 15, 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 NCB Financial Group and its competitors. This is 54% above median its historical median of 1.93. Over the past decade, NCB Financial Group's 5-Year Yield-on-Cost % has ranged from 0.35 to 5.66. According to the industry distribution chart, NCB Financial Group ranks #30 out of 46 companies in the Diversified Financial Services industry, placing it in the top 65.2%.
Is NCB Financial Group's 5-Year Yield-on-Cost % too high?
NCB Financial Group's current 5-Year Yield-on-Cost % of 2.98 is 54% above median its 10-year median of 1.93. Over the past 10 years, this metric has ranged from a low of 0.35 to a high of 5.66. The Diversified Financial Services industry median 5-Year Yield-on-Cost % is 4.34. NCB Financial Group's value of 2.98 is 31.3% below this industry median. Based on the distribution chart, NCB Financial Group ranks #30 out of 46 companies in the Diversified Financial Services industry, which is below the industry midpoint. Overall, NCB Financial Group has a GF Score™ of 60/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does NCB Financial Group's 5-Year Yield-on-Cost % compare to FRHC and VOYA?
According to the Diversified Financial Services industry distribution chart, NCB Financial Group ranks #30 out of 46 companies for 5-Year Yield-on-Cost %. This places NCB Financial Group in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 4.34. NCB Financial Group's value of 2.98 is 31.3% below this benchmark. Historically, NCB Financial Group's own 5-Year Yield-on-Cost % has ranged from 0.35 to 5.66 over the past decade. While the company's 10-year median is 1.93 vs. the industry median of 4.34, NCB Financial Group 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 Diversified Financial Services company?
The median 5-Year Yield-on-Cost % among Diversified Financial Services companies is 4.34, based on 46 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. NCB Financial Group's current 5-Year Yield-on-Cost % of 2.98 is 31.3% 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 NCB Financial Group and its competitors. For the Diversified Financial Services industry, the median 5-Year Yield-on-Cost % is 4.34 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. NCB Financial Group's current 5-Year Yield-on-Cost % is 2.98, which is 54% above median its own 10-year median of 1.93. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is NCB Financial Group stock overvalued right now?
Based on GuruFocus' analysis, NCB Financial Group (XJAM:NCBFG) is currently considered Significantly Overvalued. The stock's GF Value™ is JMD39.20, compared to a current price of JMD67.09 — trading 71.1% above its estimated fair value. The current 5-Year Yield-on-Cost % is 2.98, which is 54% above median its 10-year median of 1.93 and 31.3% below the Diversified Financial Services industry median of 4.34. NCB Financial Group's overall GF Score™ is 60/100 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 NCB Financial Group (XJAM:NCBFG), the current 5-Year Yield-on-Cost % is 2.98 as of Sep. 15, 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 NCB Financial Group (XJAM:NCBFG) Overvalued in 2026?
Based on GuruFocus' analysis, NCB Financial Group stock appears to be overvalued.
The current stock price of JMD67.09 is trading 71.1% above its estimated GF Value™ of JMD39.20.
GuruFocus considers NCB Financial Group to be Significantly Overvalued.
Key valuation signals for XJAM:NCBFG:
5-Year Yield-on-Cost %: 2.98 (54% above median its 10-year median of 1.93)
GF Value™: JMD39.20 vs. price of JMD67.09 (71.1% above fair value)
Industry Position: 31.3% below the Diversified Financial Services median (#30 of 46)
No single metric tells the full story. See the XJAM:NCBFG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
NCB Financial Group Ltd provides financial services. Its segments comprise Banking and Investment Activities which includes Consumer & SME Banking, Corporate and Commerical Banking, Payment services, Treasury and Correspondent banking, Wealth, Asset management, and Investment Banking; And Insurance Activities Life and Health Insurance and pension Management, and General Insurance. Maximum revenue is from Life and Health Insurance and pension Management sector, with maximum profit from Jamaica and Trinidad and Tobago.
60GF Score
Get the complete analysis for XJAM:NCBFG
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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