Basis: Trailing twelve months (TTM). Source: stored company filings and market data; unavailable inputs remain N/A.
The yield on cost (YOC) is 2.65%.
YIELD ON COST (YOC)
2.65%
CIVB now pays $0.71 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) | $14.86 | 4.78% |
| 5 years ago(2021-09-30) | $23.23 | 3.06% |
| 3 years ago(2023-10-03) | $15.27 | 4.65% |
| 1 year ago(2025-10-07) | $20.90 | 3.40% |
| Buying today(at $27.18) | $27.18 | 2.65% |
Projection: starting from today's 2.65% yield, assuming the dividend keeps compounding at 6.9% a year — the recent growth rate of its annual payout. Boards set dividends each year, so actual figures will differ.
Today
2.65%
In 3 years
3.24%
In 5 years
3.70%
In 10 years
5.18%
Try your own purchase price, dividend and growth rate for Civista Bancshares, Inc. (CIVB).
Starting Yield
2.61%
Ending YOC
9.65%
Year 15 Dividend
$2.62
Cum. Dividends Recd.
$22.92
| Year | Projected Div. / Share | YoY Dividend Hike | Yield on Cost (YOC) | Total Dividends Recd. |
|---|---|---|---|---|
| Initial | $0.71 | N/A | 2.61% | $0.00 |
| Year 1 | $0.77 | +9.10% | 2.85% | $0.77 |
| Year 2 | $0.85 | +9.10% | 3.11% | $1.62 |
| Year 3 | $0.92 | +9.10% | 3.39% | $2.54 |
| Year 4 | $1.01 | +9.10% | 3.70% | $3.55 |
| Year 5 | $1.10 | +9.10% | 4.04% | $4.65 |
| Year 6 | $1.20 | +9.10% | 4.40% | $5.84 |
| Year 7 | $1.31 | +9.10% | 4.81% | $7.15 |
| Year 8 | $1.43 | +9.10% | 5.24% | $8.57 |
| Year 9 | $1.55 | +9.10% | 5.72% | $10.13 |
| Year 10 | $1.70 | +9.10% | 6.24% | $11.82 |
| Year 11 | $1.85 | +9.10% | 6.81% | $13.68 |
| Year 12 | $2.02 | +9.10% | 7.43% | $15.69 |
| Year 13 | $2.20 | +9.10% | 8.10% | $17.90 |
| Year 14 | $2.40 | +9.10% | 8.84% | $20.30 |
| Year 15 | $2.62 | +9.10% | 9.65% | $22.92 |
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
