Basis: Trailing twelve months (TTM). Source: stored company filings and market data; unavailable inputs remain N/A.
The yield on cost (YOC) is 1.90%.
YIELD ON COST (YOC)
1.90%
OBT now pays $0.72 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(2016-10-03) | $11.66 | 6.17% |
| 5 years ago(2021-10-05) | $17.08 | 4.22% |
| 3 years ago(2023-10-06) | $21.95 | 3.28% |
| 1 year ago(2025-10-01) | $25.10 | 2.87% |
| Buying today(at $37.71) | $37.71 | 1.90% |
Projection: starting from today's 1.90% yield, assuming the dividend keeps compounding at 9.3% a year — the recent growth rate of its annual payout. Boards set dividends each year, so actual figures will differ.
Today
1.90%
In 3 years
2.48%
In 5 years
2.96%
In 10 years
4.61%
Try your own purchase price, dividend and growth rate for Orange County Bancorp, Inc. (OBT).
Starting Yield
1.91%
Ending YOC
5.52%
Year 15 Dividend
$2.08
Cum. Dividends Recd.
$19.94
| Year | Projected Div. / Share | YoY Dividend Hike | Yield on Cost (YOC) | Total Dividends Recd. |
|---|---|---|---|---|
| Initial | $0.72 | N/A | 1.91% | $0.00 |
| Year 1 | $0.77 | +7.34% | 2.05% | $0.77 |
| Year 2 | $0.83 | +7.34% | 2.20% | $1.60 |
| Year 3 | $0.89 | +7.34% | 2.36% | $2.49 |
| Year 4 | $0.96 | +7.34% | 2.53% | $3.45 |
| Year 5 | $1.03 | +7.34% | 2.72% | $4.47 |
| Year 6 | $1.10 | +7.34% | 2.92% | $5.58 |
| Year 7 | $1.18 | +7.34% | 3.13% | $6.76 |
| Year 8 | $1.27 | +7.34% | 3.36% | $8.03 |
| Year 9 | $1.36 | +7.34% | 3.61% | $9.39 |
| Year 10 | $1.46 | +7.34% | 3.88% | $10.85 |
| Year 11 | $1.57 | +7.34% | 4.16% | $12.42 |
| Year 12 | $1.68 | +7.34% | 4.47% | $14.10 |
| Year 13 | $1.81 | +7.34% | 4.79% | $15.91 |
| Year 14 | $1.94 | +7.34% | 5.15% | $17.85 |
| Year 15 | $2.08 | +7.34% | 5.52% | $19.94 |
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
