Basis: Trailing twelve months (TTM). Source: stored company filings and market data; unavailable inputs remain N/A.
The yield on cost (YOC) is 1.92%.
YIELD ON COST (YOC)
1.92%
LSBK now pays $0.36 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(2016-10-07) | $9.99 | 3.60% |
| 5 years ago(2021-10-01) | $11.03 | 3.26% |
| 3 years ago(2023-10-04) | $7.39 | 4.87% |
| 1 year ago(2025-10-08) | $12.96 | 2.78% |
| Buying today(at $18.05) | $18.05 | 1.92% |
Projection: starting from today's 1.92% yield, assuming the dividend keeps compounding at -2.9% a year — the recent growth rate of its annual payout. Boards set dividends each year, so actual figures will differ.
Today
1.92%
In 3 years
1.76%
In 5 years
1.66%
In 10 years
1.44%
Try your own purchase price, dividend and growth rate for Lake Shore Bancorp, Inc. (LSBK).
Starting Yield
1.99%
Ending YOC
1.29%
Year 15 Dividend
$0.23
Cum. Dividends Recd.
$4.32
| Year | Projected Div. / Share | YoY Dividend Hike | Yield on Cost (YOC) | Total Dividends Recd. |
|---|---|---|---|---|
| Initial | $0.36 | N/A | 1.99% | $0.00 |
| Year 1 | $0.35 | -2.86% | 1.94% | $0.35 |
| Year 2 | $0.34 | -2.86% | 1.88% | $0.69 |
| Year 3 | $0.33 | -2.86% | 1.83% | $1.02 |
| Year 4 | $0.32 | -2.86% | 1.78% | $1.34 |
| Year 5 | $0.31 | -2.86% | 1.73% | $1.65 |
| Year 6 | $0.30 | -2.86% | 1.68% | $1.95 |
| Year 7 | $0.29 | -2.86% | 1.63% | $2.25 |
| Year 8 | $0.29 | -2.86% | 1.58% | $2.53 |
| Year 9 | $0.28 | -2.86% | 1.54% | $2.81 |
| Year 10 | $0.27 | -2.86% | 1.49% | $3.08 |
| Year 11 | $0.26 | -2.86% | 1.45% | $3.34 |
| Year 12 | $0.25 | -2.86% | 1.41% | $3.60 |
| Year 13 | $0.25 | -2.86% | 1.37% | $3.84 |
| Year 14 | $0.24 | -2.86% | 1.33% | $4.08 |
| Year 15 | $0.23 | -2.86% | 1.29% | $4.32 |
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
