Basis: Trailing twelve months (TTM). Source: stored company filings and market data; unavailable inputs remain N/A.
The yield on cost (YOC) is 1.13%.
YIELD ON COST (YOC)
1.13%
HIFS now pays $3.22 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) | $138.24 | 2.33% |
| 5 years ago(2021-09-30) | $336.70 | 0.96% |
| 3 years ago(2023-10-03) | $171.99 | 1.87% |
| 1 year ago(2025-10-07) | $294.59 | 1.09% |
| Buying today(at $283.75) | $283.75 | 1.13% |
Projection: starting from today's 1.13% yield, assuming the dividend keeps compounding at -1.5% a year — the recent growth rate of its annual payout. Boards set dividends each year, so actual figures will differ.
Today
1.13%
In 3 years
1.08%
In 5 years
1.04%
In 10 years
0.95%
Try your own purchase price, dividend and growth rate for Hingham Institution for Savings (HIFS).
Starting Yield
1.13%
Ending YOC
1.47%
Year 15 Dividend
$4.18
Cum. Dividends Recd.
$55.69
| Year | Projected Div. / Share | YoY Dividend Hike | Yield on Cost (YOC) | Total Dividends Recd. |
|---|---|---|---|---|
| Initial | $3.22 | N/A | 1.13% | $0.00 |
| Year 1 | $3.28 | +1.76% | 1.15% | $3.28 |
| Year 2 | $3.33 | +1.76% | 1.18% | $6.61 |
| Year 3 | $3.39 | +1.76% | 1.20% | $10.00 |
| Year 4 | $3.45 | +1.76% | 1.22% | $13.46 |
| Year 5 | $3.51 | +1.76% | 1.24% | $16.97 |
| Year 6 | $3.58 | +1.76% | 1.26% | $20.55 |
| Year 7 | $3.64 | +1.76% | 1.28% | $24.18 |
| Year 8 | $3.70 | +1.76% | 1.30% | $27.89 |
| Year 9 | $3.77 | +1.76% | 1.33% | $31.65 |
| Year 10 | $3.83 | +1.76% | 1.35% | $35.49 |
| Year 11 | $3.90 | +1.76% | 1.37% | $39.39 |
| Year 12 | $3.97 | +1.76% | 1.40% | $43.36 |
| Year 13 | $4.04 | +1.76% | 1.42% | $47.40 |
| Year 14 | $4.11 | +1.76% | 1.45% | $51.51 |
| Year 15 | $4.18 | +1.76% | 1.47% | $55.69 |
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
