Basis: Trailing twelve months (TTM). Source: stored company filings and market data; unavailable inputs remain N/A.
The yield on cost (YOC) is 1.99%.
YIELD ON COST (YOC)
1.99%
CBSH now pays $1.10 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) | $30.01 | 3.67% |
| 5 years ago(2021-09-30) | $54.60 | 2.01% |
| 3 years ago(2023-10-03) | $39.95 | 2.75% |
| 1 year ago(2025-10-07) | $56.14 | 1.96% |
| Buying today(at $55.14) | $55.14 | 1.99% |
Projection: starting from today's 1.99% yield, assuming the dividend keeps compounding at 5.5% a year — the recent growth rate of its annual payout. Boards set dividends each year, so actual figures will differ.
Today
1.99%
In 3 years
2.34%
In 5 years
2.61%
In 10 years
3.42%
Try your own purchase price, dividend and growth rate for Commerce Bancshares, Inc. (CBSH).
Starting Yield
1.99%
Ending YOC
4.07%
Year 15 Dividend
$2.24
Cum. Dividends Recd.
$24.65
| Year | Projected Div. / Share | YoY Dividend Hike | Yield on Cost (YOC) | Total Dividends Recd. |
|---|---|---|---|---|
| Initial | $1.10 | N/A | 1.99% | $0.00 |
| Year 1 | $1.15 | +4.87% | 2.09% | $1.15 |
| Year 2 | $1.21 | +4.87% | 2.19% | $2.36 |
| Year 3 | $1.27 | +4.87% | 2.30% | $3.63 |
| Year 4 | $1.33 | +4.87% | 2.41% | $4.96 |
| Year 5 | $1.40 | +4.87% | 2.53% | $6.36 |
| Year 6 | $1.46 | +4.87% | 2.65% | $7.82 |
| Year 7 | $1.53 | +4.87% | 2.78% | $9.36 |
| Year 8 | $1.61 | +4.87% | 2.92% | $10.96 |
| Year 9 | $1.69 | +4.87% | 3.06% | $12.65 |
| Year 10 | $1.77 | +4.87% | 3.21% | $14.42 |
| Year 11 | $1.86 | +4.87% | 3.37% | $16.28 |
| Year 12 | $1.95 | +4.87% | 3.53% | $18.22 |
| Year 13 | $2.04 | +4.87% | 3.70% | $20.27 |
| Year 14 | $2.14 | +4.87% | 3.88% | $22.41 |
| Year 15 | $2.24 | +4.87% | 4.07% | $24.65 |
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
