Basis: Trailing twelve months (TTM). Source: stored company filings and market data; unavailable inputs remain N/A.
The yield on cost (YOC) is 9.82%.
YIELD ON COST (YOC)
9.82%
FGBIP now pays $1.69 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 |
|---|---|---|
| 5 years ago(2021-10-05) | $27.16 | 6.22% |
| 3 years ago(2023-10-04) | $18.50 | 9.14% |
| 1 year ago(2025-10-06) | $19.25 | 8.78% |
| Buying today(at $17.20) | $17.20 | 9.82% |
Projection: starting from today's 9.82% yield, assuming the dividend keeps compounding at 13.9% a year — the recent growth rate of its annual payout. Boards set dividends each year, so actual figures will differ.
Today
9.82%
In 3 years
14.51%
In 5 years
18.82%
In 10 years
36.06%
Try your own purchase price, dividend and growth rate for First Guaranty Bancshares, Inc. (FGBIP).
Starting Yield
9.83%
Ending YOC
31.17%
Year 15 Dividend
$5.36
Cum. Dividends Recd.
$49.56
| Year | Projected Div. / Share | YoY Dividend Hike | Yield on Cost (YOC) | Total Dividends Recd. |
|---|---|---|---|---|
| Initial | $1.69 | N/A | 9.83% | $0.00 |
| Year 1 | $1.83 | +8.00% | 10.61% | $1.83 |
| Year 2 | $1.97 | +8.00% | 11.46% | $3.80 |
| Year 3 | $2.13 | +8.00% | 12.38% | $5.93 |
| Year 4 | $2.30 | +8.00% | 13.37% | $8.22 |
| Year 5 | $2.48 | +8.00% | 14.44% | $10.71 |
| Year 6 | $2.68 | +8.00% | 15.59% | $13.39 |
| Year 7 | $2.90 | +8.00% | 16.84% | $16.29 |
| Year 8 | $3.13 | +8.00% | 18.19% | $19.41 |
| Year 9 | $3.38 | +8.00% | 19.64% | $22.79 |
| Year 10 | $3.65 | +8.00% | 21.21% | $26.44 |
| Year 11 | $3.94 | +8.00% | 22.91% | $30.38 |
| Year 12 | $4.26 | +8.00% | 24.74% | $34.64 |
| Year 13 | $4.60 | +8.00% | 26.72% | $39.23 |
| Year 14 | $4.96 | +8.00% | 28.86% | $44.20 |
| Year 15 | $5.36 | +8.00% | 31.17% | $49.56 |
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
