Basis: Trailing twelve months (TTM). Source: stored company filings and market data; unavailable inputs remain N/A.
The yield on cost (YOC) is 2.71%.
YIELD ON COST (YOC)
2.71%
ASRV now pays $0.12 per share a year. Measured against the price it actually traded at back then, a long-term holder is earning:
| If you bought | Price then | Yield on cost today |
|---|---|---|
| 10 years ago(2016-10-04) | $3.26 | 3.68% |
| 5 years ago(2021-09-30) | $3.88 | 3.09% |
| 3 years ago(2023-10-03) | $2.51 | 4.78% |
| 1 year ago(2025-10-07) | $3.02 | 3.97% |
| Buying today(at $4.46) | $4.46 | 2.71% |
Projection: starting from today's 2.71% yield, assuming the dividend keeps compounding at 4.7% a year — the recent growth rate of its annual payout. Boards set dividends each year, so actual figures will differ.
Today
2.71%
In 3 years
3.11%
In 5 years
3.41%
In 10 years
4.28%
Try your own purchase price, dividend and growth rate for AmeriServ Financial, Inc. (ASRV).
Starting Yield
2.69%
Ending YOC
4.65%
Year 15 Dividend
$0.21
Cum. Dividends Recd.
$2.44
| Year | Projected Div. / Share | YoY Dividend Hike | Yield on Cost (YOC) | Total Dividends Recd. |
|---|---|---|---|---|
| Initial | $0.12 | N/A | 2.69% | $0.00 |
| Year 1 | $0.12 | +3.71% | 2.79% | $0.12 |
| Year 2 | $0.13 | +3.71% | 2.90% | $0.25 |
| Year 3 | $0.13 | +3.71% | 3.00% | $0.39 |
| Year 4 | $0.14 | +3.71% | 3.12% | $0.53 |
| Year 5 | $0.14 | +3.71% | 3.23% | $0.67 |
| Year 6 | $0.15 | +3.71% | 3.35% | $0.82 |
| Year 7 | $0.15 | +3.71% | 3.47% | $0.97 |
| Year 8 | $0.16 | +3.71% | 3.60% | $1.13 |
| Year 9 | $0.17 | +3.71% | 3.74% | $1.30 |
| Year 10 | $0.17 | +3.71% | 3.88% | $1.47 |
| Year 11 | $0.18 | +3.71% | 4.02% | $1.65 |
| Year 12 | $0.19 | +3.71% | 4.17% | $1.84 |
| Year 13 | $0.19 | +3.71% | 4.32% | $2.03 |
| Year 14 | $0.20 | +3.71% | 4.48% | $2.23 |
| Year 15 | $0.21 | +3.71% | 4.65% | $2.44 |
Yield on cost is the dividend yield measured against your original purchase price, not today's price. As a company raises its dividend, the yield on what you actually paid keeps rising even when the market yield holds steady.
Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute
