Basis: Trailing twelve months (TTM). Source: stored company filings and market data; unavailable inputs remain N/A.
The yield on cost (YOC) is 1.48%.
YIELD ON COST (YOC)
1.48%
CZWI now pays $0.32 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(2016-10-03) | $10.92 | 2.93% |
| 5 years ago(2021-10-05) | $13.85 | 2.31% |
| 3 years ago(2023-10-06) | $9.28 | 3.45% |
| 1 year ago(2025-10-02) | $15.75 | 2.03% |
| Buying today(at $21.26) | $21.26 | 1.48% |
Projection: starting from today's 1.48% yield, assuming the dividend keeps compounding at 4.9% a year — the recent growth rate of its annual payout. Boards set dividends each year, so actual figures will differ.
Today
1.48%
In 3 years
1.71%
In 5 years
1.88%
In 10 years
2.39%
Try your own purchase price, dividend and growth rate for Citizens Community Bancorp, Inc. (CZWI).
Starting Yield
1.51%
Ending YOC
3.87%
Year 15 Dividend
$0.82
Cum. Dividends Recd.
$8.23
| Year | Projected Div. / Share | YoY Dividend Hike | Yield on Cost (YOC) | Total Dividends Recd. |
|---|---|---|---|---|
| Initial | $0.32 | N/A | 1.51% | $0.00 |
| Year 1 | $0.34 | +6.49% | 1.60% | $0.34 |
| Year 2 | $0.36 | +6.49% | 1.71% | $0.70 |
| Year 3 | $0.39 | +6.49% | 1.82% | $1.09 |
| Year 4 | $0.41 | +6.49% | 1.94% | $1.50 |
| Year 5 | $0.44 | +6.49% | 2.06% | $1.94 |
| Year 6 | $0.47 | +6.49% | 2.20% | $2.41 |
| Year 7 | $0.50 | +6.49% | 2.34% | $2.90 |
| Year 8 | $0.53 | +6.49% | 2.49% | $3.43 |
| Year 9 | $0.56 | +6.49% | 2.65% | $4.00 |
| Year 10 | $0.60 | +6.49% | 2.82% | $4.60 |
| Year 11 | $0.64 | +6.49% | 3.01% | $5.24 |
| Year 12 | $0.68 | +6.49% | 3.20% | $5.92 |
| Year 13 | $0.72 | +6.49% | 3.41% | $6.64 |
| Year 14 | $0.77 | +6.49% | 3.63% | $7.41 |
| Year 15 | $0.82 | +6.49% | 3.87% | $8.23 |
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
