Basis: Trailing twelve months (TTM). Source: stored company filings and market data; unavailable inputs remain N/A.
The yield on cost (YOC) is 6.59%.
YIELD ON COST (YOC)
6.59%
UBCP now pays $0.95 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) | $10.95 | 8.68% |
| 5 years ago(2021-09-30) | $14.30 | 6.64% |
| 3 years ago(2023-10-03) | $11.13 | 8.54% |
| 1 year ago(2025-10-07) | $13.26 | 7.16% |
| Buying today(at $14.16) | $14.16 | 6.59% |
Projection: starting from today's 6.59% yield, assuming the dividend keeps compounding at 7.6% a year — the recent growth rate of its annual payout. Boards set dividends each year, so actual figures will differ.
Today
6.59%
In 3 years
8.22%
In 5 years
9.52%
In 10 years
13.77%
Try your own purchase price, dividend and growth rate for United Bancorp, Inc. (UBCP).
Starting Yield
6.71%
Ending YOC
28.22%
Year 15 Dividend
$4.00
Cum. Dividends Recd.
$33.35
| Year | Projected Div. / Share | YoY Dividend Hike | Yield on Cost (YOC) | Total Dividends Recd. |
|---|---|---|---|---|
| Initial | $0.95 | N/A | 6.71% | $0.00 |
| Year 1 | $1.05 | +10.05% | 7.38% | $1.05 |
| Year 2 | $1.15 | +10.05% | 8.13% | $2.20 |
| Year 3 | $1.27 | +10.05% | 8.94% | $3.46 |
| Year 4 | $1.39 | +10.05% | 9.84% | $4.86 |
| Year 5 | $1.53 | +10.05% | 10.83% | $6.39 |
| Year 6 | $1.69 | +10.05% | 11.92% | $8.08 |
| Year 7 | $1.86 | +10.05% | 13.12% | $9.93 |
| Year 8 | $2.04 | +10.05% | 14.43% | $11.98 |
| Year 9 | $2.25 | +10.05% | 15.88% | $14.23 |
| Year 10 | $2.48 | +10.05% | 17.48% | $16.70 |
| Year 11 | $2.72 | +10.05% | 19.24% | $19.43 |
| Year 12 | $3.00 | +10.05% | 21.17% | $22.42 |
| Year 13 | $3.30 | +10.05% | 23.30% | $25.72 |
| Year 14 | $3.63 | +10.05% | 25.64% | $29.35 |
| Year 15 | $4.00 | +10.05% | 28.22% | $33.35 |
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
