Basis: Trailing twelve months (TTM). Source: stored company filings and market data; unavailable inputs remain N/A.
The yield on cost (YOC) is 3.57%.
YIELD ON COST (YOC)
3.57%
PFIS now pays $2.49 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) | $40.27 | 6.18% |
| 5 years ago(2021-09-30) | $45.57 | 5.46% |
| 3 years ago(2023-10-03) | $39.84 | 6.25% |
| 1 year ago(2025-10-07) | $47.17 | 5.28% |
| Buying today(at $69.25) | $69.25 | 3.57% |
Projection: starting from today's 3.57% yield, assuming the dividend keeps compounding at 13.3% a year — the recent growth rate of its annual payout. Boards set dividends each year, so actual figures will differ.
Today
3.57%
In 3 years
5.19%
In 5 years
6.66%
In 10 years
12.43%
Try your own purchase price, dividend and growth rate for Peoples Financial Services Corp. (PFIS).
Starting Yield
3.60%
Ending YOC
18.16%
Year 15 Dividend
$12.57
Cum. Dividends Recd.
$98.54
| Year | Projected Div. / Share | YoY Dividend Hike | Yield on Cost (YOC) | Total Dividends Recd. |
|---|---|---|---|---|
| Initial | $2.49 | N/A | 3.60% | $0.00 |
| Year 1 | $2.77 | +11.40% | 4.01% | $2.77 |
| Year 2 | $3.09 | +11.40% | 4.46% | $5.86 |
| Year 3 | $3.44 | +11.40% | 4.97% | $9.31 |
| Year 4 | $3.83 | +11.40% | 5.54% | $13.14 |
| Year 5 | $4.27 | +11.40% | 6.17% | $17.41 |
| Year 6 | $4.76 | +11.40% | 6.87% | $22.17 |
| Year 7 | $5.30 | +11.40% | 7.66% | $27.47 |
| Year 8 | $5.91 | +11.40% | 8.53% | $33.38 |
| Year 9 | $6.58 | +11.40% | 9.50% | $39.96 |
| Year 10 | $7.33 | +11.40% | 10.58% | $47.29 |
| Year 11 | $8.16 | +11.40% | 11.79% | $55.45 |
| Year 12 | $9.10 | +11.40% | 13.13% | $64.55 |
| Year 13 | $10.13 | +11.40% | 14.63% | $74.68 |
| Year 14 | $11.29 | +11.40% | 16.30% | $85.97 |
| Year 15 | $12.57 | +11.40% | 18.16% | $98.54 |
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
