Basis: Trailing twelve months (TTM). Source: stored company filings and market data; unavailable inputs remain N/A.
The yield on cost (YOC) is 2.30%.
YIELD ON COST (YOC)
2.30%
HFBL now pays $0.56 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) | $11.76 | 4.76% |
| 5 years ago(2021-10-06) | $18.50 | 3.03% |
| 3 years ago(2023-10-09) | $13.93 | 4.02% |
| 1 year ago(2025-10-03) | $13.90 | 4.03% |
| Buying today(at $24.38) | $24.38 | 2.30% |
Projection: starting from today's 2.30% yield, assuming the dividend keeps compounding at 9.7% a year — the recent growth rate of its annual payout. Boards set dividends each year, so actual figures will differ.
Today
2.30%
In 3 years
3.04%
In 5 years
3.66%
In 10 years
5.84%
Try your own purchase price, dividend and growth rate for Home Federal Bancorp, Inc. of Louisiana (HFBL).
Starting Yield
2.30%
Ending YOC
9.97%
Year 15 Dividend
$2.43
Cum. Dividends Recd.
$20.06
| Year | Projected Div. / Share | YoY Dividend Hike | Yield on Cost (YOC) | Total Dividends Recd. |
|---|---|---|---|---|
| Initial | $0.56 | N/A | 2.30% | $0.00 |
| Year 1 | $0.62 | +10.28% | 2.53% | $0.62 |
| Year 2 | $0.68 | +10.28% | 2.79% | $1.30 |
| Year 3 | $0.75 | +10.28% | 3.08% | $2.05 |
| Year 4 | $0.83 | +10.28% | 3.40% | $2.88 |
| Year 5 | $0.91 | +10.28% | 3.75% | $3.79 |
| Year 6 | $1.01 | +10.28% | 4.13% | $4.80 |
| Year 7 | $1.11 | +10.28% | 4.56% | $5.91 |
| Year 8 | $1.23 | +10.28% | 5.02% | $7.13 |
| Year 9 | $1.35 | +10.28% | 5.54% | $8.49 |
| Year 10 | $1.49 | +10.28% | 6.11% | $9.98 |
| Year 11 | $1.64 | +10.28% | 6.74% | $11.62 |
| Year 12 | $1.81 | +10.28% | 7.43% | $13.43 |
| Year 13 | $2.00 | +10.28% | 8.20% | $15.43 |
| Year 14 | $2.20 | +10.28% | 9.04% | $17.63 |
| Year 15 | $2.43 | +10.28% | 9.97% | $20.06 |
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
