Basis: Trailing twelve months (TTM). Source: stored company filings and market data; unavailable inputs remain N/A.
The yield on cost (YOC) is 3.01%.
YIELD ON COST (YOC)
3.01%
VABK now pays $1.44 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(2016-10-06) | $22.68 | 6.35% |
| 5 years ago(2021-10-08) | $35.09 | 4.10% |
| 3 years ago(2023-10-02) | $28.82 | 5.00% |
| 1 year ago(2025-10-06) | $38.62 | 3.73% |
| Buying today(at $48.15) | $48.15 | 3.01% |
Projection: starting from today's 3.01% yield, assuming the dividend keeps compounding at -1.6% a year — the recent growth rate of its annual payout. Boards set dividends each year, so actual figures will differ.
Today
3.01%
In 3 years
2.87%
In 5 years
2.79%
In 10 years
2.58%
Try your own purchase price, dividend and growth rate for Virginia National Bankshares Corporation (VABK).
Starting Yield
2.99%
Ending YOC
4.85%
Year 15 Dividend
$2.34
Cum. Dividends Recd.
$28.24
| Year | Projected Div. / Share | YoY Dividend Hike | Yield on Cost (YOC) | Total Dividends Recd. |
|---|---|---|---|---|
| Initial | $1.44 | N/A | 2.99% | $0.00 |
| Year 1 | $1.49 | +3.28% | 3.09% | $1.49 |
| Year 2 | $1.54 | +3.28% | 3.19% | $3.02 |
| Year 3 | $1.59 | +3.28% | 3.29% | $4.61 |
| Year 4 | $1.64 | +3.28% | 3.40% | $6.25 |
| Year 5 | $1.69 | +3.28% | 3.51% | $7.94 |
| Year 6 | $1.75 | +3.28% | 3.63% | $9.69 |
| Year 7 | $1.80 | +3.28% | 3.75% | $11.49 |
| Year 8 | $1.86 | +3.28% | 3.87% | $13.36 |
| Year 9 | $1.93 | +3.28% | 4.00% | $15.28 |
| Year 10 | $1.99 | +3.28% | 4.13% | $17.27 |
| Year 11 | $2.05 | +3.28% | 4.27% | $19.32 |
| Year 12 | $2.12 | +3.28% | 4.41% | $21.45 |
| Year 13 | $2.19 | +3.28% | 4.55% | $23.64 |
| Year 14 | $2.26 | +3.28% | 4.70% | $25.90 |
| Year 15 | $2.34 | +3.28% | 4.85% | $28.24 |
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
