Basis: Latest reported fiscal year. Source: stored company filings and market data; unavailable inputs remain N/A.
The yield on cost (YOC) is 2.81%.
YIELD ON COST (YOC)
2.81%
ISBA now pays $1.12 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(2016-07-27) | $27.60 | 4.06% |
| 5 years ago(2021-07-29) | $22.90 | 4.89% |
| 3 years ago(2023-08-01) | $20.70 | 5.41% |
| 1 year ago(2025-07-28) | $30.30 | 3.70% |
| Buying today(at $39.42) | $39.42 | 2.81% |
Projection: starting from today's 2.81% yield, assuming the dividend keeps compounding at its historical 0.7% rate. Boards set dividends each year, so actual figures will differ.
Today
2.81%
In 3 years
2.92%
In 5 years
2.99%
In 10 years
3.18%
Try your own purchase price, dividend and growth rate for Isabella Bank Corporation (ISBA).
Starting Yield
2.84%
Ending YOC
3.17%
Year 15 Dividend
$1.25
Cum. Dividends Recd.
$17.82
| Year | Projected Div. / Share | YoY Dividend Hike | Yield on Cost (YOC) | Total Dividends Recd. |
|---|---|---|---|---|
| Initial | $1.12 | N/A | 2.84% | $0.00 |
| Year 1 | $1.13 | +0.73% | 2.86% | $1.13 |
| Year 2 | $1.14 | +0.73% | 2.88% | $2.26 |
| Year 3 | $1.14 | +0.73% | 2.90% | $3.41 |
| Year 4 | $1.15 | +0.73% | 2.93% | $4.56 |
| Year 5 | $1.16 | +0.73% | 2.95% | $5.72 |
| Year 6 | $1.17 | +0.73% | 2.97% | $6.89 |
| Year 7 | $1.18 | +0.73% | 2.99% | $8.07 |
| Year 8 | $1.19 | +0.73% | 3.01% | $9.26 |
| Year 9 | $1.20 | +0.73% | 3.03% | $10.46 |
| Year 10 | $1.20 | +0.73% | 3.06% | $11.66 |
| Year 11 | $1.21 | +0.73% | 3.08% | $12.87 |
| Year 12 | $1.22 | +0.73% | 3.10% | $14.10 |
| Year 13 | $1.23 | +0.73% | 3.12% | $15.33 |
| Year 14 | $1.24 | +0.73% | 3.15% | $16.57 |
| Year 15 | $1.25 | +0.73% | 3.17% | $17.82 |
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
