Basis: Trailing twelve months (TTM). Source: stored company filings and market data; unavailable inputs remain N/A.
The yield on cost (YOC) is 2.48%.
YIELD ON COST (YOC)
2.48%
GABC now pays $1.22 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) | $25.79 | 4.73% |
| 5 years ago(2021-09-30) | $38.63 | 3.16% |
| 3 years ago(2023-10-03) | $26.43 | 4.62% |
| 1 year ago(2025-10-07) | $38.93 | 3.13% |
| Buying today(at $49.06) | $49.06 | 2.48% |
Projection: starting from today's 2.48% yield, assuming the dividend keeps compounding at 8.3% a year — the recent growth rate of its annual payout. Boards set dividends each year, so actual figures will differ.
Today
2.48%
In 3 years
3.15%
In 5 years
3.71%
In 10 years
5.55%
Try your own purchase price, dividend and growth rate for German American Bancorp, Inc. (GABC).
Starting Yield
2.49%
Ending YOC
8.85%
Year 15 Dividend
$4.34
Cum. Dividends Recd.
$38.47
| Year | Projected Div. / Share | YoY Dividend Hike | Yield on Cost (YOC) | Total Dividends Recd. |
|---|---|---|---|---|
| Initial | $1.22 | N/A | 2.49% | $0.00 |
| Year 1 | $1.33 | +8.83% | 2.71% | $1.33 |
| Year 2 | $1.44 | +8.83% | 2.95% | $2.77 |
| Year 3 | $1.57 | +8.83% | 3.21% | $4.35 |
| Year 4 | $1.71 | +8.83% | 3.49% | $6.06 |
| Year 5 | $1.86 | +8.83% | 3.80% | $7.92 |
| Year 6 | $2.03 | +8.83% | 4.13% | $9.95 |
| Year 7 | $2.21 | +8.83% | 4.50% | $12.15 |
| Year 8 | $2.40 | +8.83% | 4.89% | $14.55 |
| Year 9 | $2.61 | +8.83% | 5.33% | $17.17 |
| Year 10 | $2.84 | +8.83% | 5.80% | $20.01 |
| Year 11 | $3.09 | +8.83% | 6.31% | $23.10 |
| Year 12 | $3.37 | +8.83% | 6.86% | $26.47 |
| Year 13 | $3.67 | +8.83% | 7.47% | $30.14 |
| Year 14 | $3.99 | +8.83% | 8.13% | $34.13 |
| Year 15 | $4.34 | +8.83% | 8.85% | $38.47 |
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
