Komercijalna Banka AD Skopje (XMAE:KMB) 5-Year Yield-on-Cost %: 10.68 (As of Jul. 30, 2026) — 17% Above Median

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
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.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
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.

XMAE:KMB Komercijalna Banka AD Skopje XMAE:KMB
70 GF Score
Price MKD26,400.00
GF Value MKD29,502.11
Valuation Modestly Undervalued
! 3 Warning Signs
View Full Analysis

What is Komercijalna Banka AD Skopje 5-Year Yield-on-Cost %?

Komercijalna Banka AD Skopje XMAE:KMB +0.38% 70 5-Year Yield-on-Cost % is 10.68 as of Jul. 30, 2026, which is 17% above its 10-year median of 9.16. GuruFocus rates XMAE:KMB with a GF Score™ of 70/100 and a GF Value™ of MKD29,502.11 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 1,251 Banks companies, Komercijalna Banka AD Skopje ranks better than 88.25% on this metric.

Komercijalna Banka AD Skopje's yield on cost for the quarter that ended in Dec. 2025 was 10.68.


The historical rank and industry rank for Komercijalna Banka AD Skopje's 5-Year Yield-on-Cost % or its related term are showing as below:

XMAE:KMB' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 6.14   Med: 9.16   Max: 10.68
Current: 10.68


During the past 13 years, Komercijalna Banka AD Skopje's highest Yield on Cost was 10.68. The lowest was 6.14. And the median was 9.16.


XMAE:KMB's 5-Year Yield-on-Cost % is ranked better than
88.25% of 1251 companies
in the Banks industry
Industry Median: 3.84 vs XMAE:KMB: 10.68

Komercijalna Banka AD Skopje  (XMAE:KMB) 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.


Komercijalna Banka AD Skopje 5-Year Yield-on-Cost % Related Terms


XMAE:KMB vs PNC, USB: 5-Year Yield-on-Cost % Comparison

For the Banks - Regional subindustry, Komercijalna Banka AD Skopje'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.


Komercijalna Banka AD Skopje 5-Year Yield-on-Cost % vs Banks Industry

For the Banks industry and Financial Services sector, Komercijalna Banka AD Skopje's 5-Year Yield-on-Cost % distribution charts can be found below:

* The bar in red indicates where Komercijalna Banka AD Skopje's 5-Year Yield-on-Cost % falls into.


XMAE:KMB
70GF Score
Komercijalna Banka AD Skopje XMAE:KMB
5-Year Yield-on-Cost % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Komercijalna Banka AD Skopje 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 Komercijalna Banka AD Skopje is calculated as

Yield-on-Cost=Dividend Yield %*(1+Dividend Growth Rate)^5
Frequently Asked Questions Learn more about 5-Year Yield-on-Cost % →
What does a 5-Year Yield-on-Cost % of 10.68 mean?
Komercijalna Banka AD Skopje (XMAE:KMB) has a 5-Year Yield-on-Cost % of 10.68 as of Jul. 30, 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 Komercijalna Banka AD Skopje and its competitors. This is 17% above median its historical median of 9.16. Over the past decade, Komercijalna Banka AD Skopje's 5-Year Yield-on-Cost % has ranged from 6.14 to 10.68. According to the industry distribution chart, Komercijalna Banka AD Skopje ranks #147 out of 1251 companies in the Banks industry, placing it in the top 11.8%.
Is Komercijalna Banka AD Skopje's 5-Year Yield-on-Cost % too high?
Komercijalna Banka AD Skopje's current 5-Year Yield-on-Cost % of 10.68 is 17% above median its 10-year median of 9.16. Over the past 10 years, this metric has ranged from a low of 6.14 to a high of 10.68. The Banks industry median 5-Year Yield-on-Cost % is 3.84. Komercijalna Banka AD Skopje's value of 10.68 is 178.1% above this industry median. Based on the distribution chart, Komercijalna Banka AD Skopje ranks #147 out of 1251 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Komercijalna Banka AD Skopje has a GF Score™ of 70/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Komercijalna Banka AD Skopje's 5-Year Yield-on-Cost % compare to PNC and USB?
According to the Banks industry distribution chart, Komercijalna Banka AD Skopje ranks #147 out of 1251 companies for 5-Year Yield-on-Cost %. This places Komercijalna Banka AD Skopje in the top 12% of its industry — outperforming the majority of peers. The industry median 5-Year Yield-on-Cost % is 3.84. Komercijalna Banka AD Skopje's value of 10.68 is 178.1% above this benchmark. Historically, Komercijalna Banka AD Skopje's own 5-Year Yield-on-Cost % has ranged from 6.14 to 10.68 over the past decade. While the company's 10-year median is 9.16 vs. the industry median of 3.84, Komercijalna Banka AD Skopje 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 3.84, based on 1,251 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. Komercijalna Banka AD Skopje's current 5-Year Yield-on-Cost % of 10.68 is 178.1% 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 Komercijalna Banka AD Skopje 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. Komercijalna Banka AD Skopje's current 5-Year Yield-on-Cost % is 10.68, which is 17% above median its own 10-year median of 9.16. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Komercijalna Banka AD Skopje stock overvalued right now?
Based on GuruFocus' analysis, Komercijalna Banka AD Skopje (XMAE:KMB) is currently considered Modestly Undervalued. The stock's GF Value™ is MKD29,502.11, compared to a current price of MKD26,400.00 — trading 10.5% below its estimated fair value. The current 5-Year Yield-on-Cost % is 10.68, which is 17% above median its 10-year median of 9.16 and 178.1% above the Banks industry median of 3.84. Komercijalna Banka AD Skopje's overall GF Score™ is 70/100 with 3 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 Komercijalna Banka AD Skopje (XMAE:KMB), the current 5-Year Yield-on-Cost % is 10.68 as of Jul. 30, 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 Komercijalna Banka AD Skopje (XMAE:KMB) Overvalued in 2026?

Based on GuruFocus' analysis, Komercijalna Banka AD Skopje stock appears to be undervalued. The current stock price of MKD26,400.00 is trading 10.5% below its estimated GF Value™ of MKD29,502.11. GuruFocus considers Komercijalna Banka AD Skopje to be Modestly Undervalued.

Key valuation signals for XMAE:KMB:

  • 5-Year Yield-on-Cost %: 10.68 (17% above median its 10-year median of 9.16)
  • GF Value™: MKD29,502.11 vs. price of MKD26,400.00 (10.5% below fair value)
  • GF Score™: 70/100 with 3 warning signs
  • Industry Position: 178.1% above the Banks median (#147 of 1251)

No single metric tells the full story. See the XMAE:KMB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Komercijalna Banka AD Skopje Business Description

Address St.Orce Nikolov Street no. 3, P.O. Box 563, Skopje, MKD, 1000
Komercijalna Banka AD Skopje is a commercial bank. The principal activities of the bank are - collecting deposits, placing loans and advances domestically and abroad, factoring and financing commercial transactions, foreign exchange operations, fast money transfer, trading with foreign currencies, trading with securities, services of a bank-custodian of investment and pension funds, intermediating in selling insurance policies, data collection and analysis of company's credit rating, and many others. It operates in the Republic of Macedonia, Europe, and other EU member countries.
70GF Score

Get the complete analysis for XMAE:KMB

5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

MKD26,400.00
Price
MKD29,502.11
GF Value