Basis: Trailing twelve months (TTM). Source: stored company filings and market data; unavailable inputs remain N/A.
The yield on cost (YOC) is 3.20%.
YIELD ON COST (YOC)
3.20%
WSBF now pays $0.64 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) | $16.99 | 3.77% |
| 5 years ago(2021-10-04) | $20.45 | 3.13% |
| 3 years ago(2023-10-05) | $10.56 | 6.06% |
| 1 year ago(2025-10-01) | $15.46 | 4.14% |
| Buying today(at $19.87) | $19.87 | 3.20% |
Projection: starting from today's 3.20% yield, assuming the dividend keeps compounding at -17.6% a year — the recent growth rate of its annual payout. Boards set dividends each year, so actual figures will differ.
Today
3.20%
In 3 years
1.79%
In 5 years
1.22%
In 10 years
0.46%
Try your own purchase price, dividend and growth rate for Waterstone Financial, Inc. (WSBF).
Starting Yield
3.22%
Ending YOC
0.33%
Year 15 Dividend
$0.07
Cum. Dividends Recd.
$3.51
| Year | Projected Div. / Share | YoY Dividend Hike | Yield on Cost (YOC) | Total Dividends Recd. |
|---|---|---|---|---|
| Initial | $0.64 | N/A | 3.22% | $0.00 |
| Year 1 | $0.55 | -14.06% | 2.77% | $0.55 |
| Year 2 | $0.47 | -14.06% | 2.38% | $1.02 |
| Year 3 | $0.41 | -14.06% | 2.04% | $1.43 |
| Year 4 | $0.35 | -14.06% | 1.76% | $1.78 |
| Year 5 | $0.30 | -14.06% | 1.51% | $2.08 |
| Year 6 | $0.26 | -14.06% | 1.30% | $2.34 |
| Year 7 | $0.22 | -14.06% | 1.12% | $2.56 |
| Year 8 | $0.19 | -14.06% | 0.96% | $2.75 |
| Year 9 | $0.16 | -14.06% | 0.82% | $2.91 |
| Year 10 | $0.14 | -14.06% | 0.71% | $3.05 |
| Year 11 | $0.12 | -14.06% | 0.61% | $3.17 |
| Year 12 | $0.10 | -14.06% | 0.52% | $3.28 |
| Year 13 | $0.09 | -14.06% | 0.45% | $3.37 |
| Year 14 | $0.08 | -14.06% | 0.39% | $3.44 |
| Year 15 | $0.07 | -14.06% | 0.33% | $3.51 |
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
