Basis: Trailing twelve months (TTM). Source: stored company filings and market data; unavailable inputs remain N/A.
The yield on cost (YOC) is 2.29%.
YIELD ON COST (YOC)
2.29%
PBHC now pays $0.40 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) | $12.16 | 3.29% |
| 5 years ago(2021-09-30) | $16.20 | 2.47% |
| 3 years ago(2023-10-03) | $14.25 | 2.81% |
| 1 year ago(2025-10-07) | $15.38 | 2.60% |
| Buying today |
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
| $16.95 |
| 2.29% |
Projection: starting from today's 2.29% yield, assuming the dividend keeps compounding at 10.3% a year — the recent growth rate of its annual payout. Boards set dividends each year, so actual figures will differ.
Today
2.29%
In 3 years
3.07%
In 5 years
3.74%
In 10 years
6.11%
Try your own purchase price, dividend and growth rate for Pathfinder Bancorp, Inc. (PBHC).
Starting Yield
2.36%
Ending YOC
10.93%
Year 15 Dividend
$1.85
Cum. Dividends Recd.
$14.95
| Year | Projected Div. / Share | YoY Dividend Hike | Yield on Cost (YOC) | Total Dividends Recd. |
|---|---|---|---|---|
| Initial | $0.40 | N/A | 2.36% | $0.00 |
| Year 1 | $0.44 | +10.76% | 2.61% | $0.44 |
| Year 2 | $0.49 | +10.76% | 2.90% | $0.93 |
| Year 3 | $0.54 | +10.76% | 3.21% | $1.48 |
| Year 4 | $0.60 | +10.76% | 3.55% | $2.08 |
| Year 5 | $0.67 | +10.76% | 3.93% | $2.75 |
| Year 6 | $0.74 | +10.76% | 4.36% | $3.48 |
| Year 7 | $0.82 | +10.76% | 4.83% | $4.30 |
| Year 8 | $0.91 | +10.76% | 5.35% | $5.21 |
| Year 9 | $1.00 | +10.76% | 5.92% | $6.21 |
| Year 10 | $1.11 | +10.76% | 6.56% | $7.32 |
| Year 11 | $1.23 | +10.76% | 7.26% | $8.55 |
| Year 12 | $1.36 | +10.76% | 8.04% | $9.92 |
| Year 13 | $1.51 | +10.76% | 8.91% | $11.43 |
| Year 14 | $1.67 | +10.76% | 9.87% | $13.10 |
| Year 15 | $1.85 | +10.76% | 10.93% | $14.95 |
