Basis: Trailing twelve months (TTM). Source: stored company filings and market data; unavailable inputs remain N/A.
The yield on cost (YOC) is 3.74%.
YIELD ON COST (YOC)
3.74%
NWFL now pays $1.27 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(2016-09-30) | $19.38 | 6.55% |
| 5 years ago(2021-10-08) | $25.67 | 4.95% |
| 3 years ago(2023-09-29) | $25.76 | 4.93% |
| 1 year ago(2025-10-03) | $25.49 | 4.98% |
| Buying today(at $34.07) | $34.07 | 3.74% |
Projection: starting from today's 3.74% yield, assuming the dividend keeps compounding at 4.5% a year — the recent growth rate of its annual payout. Boards set dividends each year, so actual figures will differ.
Today
3.74%
In 3 years
4.27%
In 5 years
4.66%
In 10 years
5.80%
Try your own purchase price, dividend and growth rate for Norwood Financial Corp. (NWFL).
Starting Yield
3.73%
Ending YOC
7.11%
Year 15 Dividend
$2.42
Cum. Dividends Recd.
$27.35
| Year | Projected Div. / Share | YoY Dividend Hike | Yield on Cost (YOC) | Total Dividends Recd. |
|---|---|---|---|---|
| Initial | $1.27 | N/A | 3.73% | $0.00 |
| Year 1 | $1.33 | +4.40% | 3.89% | $1.33 |
| Year 2 | $1.38 | +4.40% | 4.06% | $2.71 |
| Year 3 | $1.45 | +4.40% | 4.24% | $4.16 |
| Year 4 | $1.51 | +4.40% | 4.43% | $5.66 |
| Year 5 | $1.58 | +4.40% | 4.62% | $7.24 |
| Year 6 | $1.64 | +4.40% | 4.83% | $8.88 |
| Year 7 | $1.72 | +4.40% | 5.04% | $10.60 |
| Year 8 | $1.79 | +4.40% | 5.26% | $12.39 |
| Year 9 | $1.87 | +4.40% | 5.49% | $14.26 |
| Year 10 | $1.95 | +4.40% | 5.73% | $16.22 |
| Year 11 | $2.04 | +4.40% | 5.99% | $18.26 |
| Year 12 | $2.13 | +4.40% | 6.25% | $20.39 |
| Year 13 | $2.22 | +4.40% | 6.52% | $22.61 |
| Year 14 | $2.32 | +4.40% | 6.81% | $24.93 |
| Year 15 | $2.42 | +4.40% | 7.11% | $27.35 |
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
