Sai Gon - Hanoi Commercial Joint Stock Bank (STC:SHB) Beginning Cash Position: ₫161,907,719 Mil (As of Mar. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

STC:SHB Sai Gon - Hanoi Commercial Joint Stock Bank STC:SHB
66 GF Score
Price ₫12,800.00
GF Value ₫14,375.20
Valuation Modestly Undervalued
! 1 Warning Sign
View Full Analysis

What is Sai Gon - Hanoi Commercial Joint Stock Bank Beginning Cash Position?

Sai Gon - Hanoi Commercial Joint Stock Bank STC:SHB +1.59% 66 Beginning Cash Position is ₫161,907,719 Mil as of Mar. 2026. GuruFocus rates STC:SHB with a GF Score™ of 66/100 and a GF Value™ of ₫14,375.20 (Modestly Undervalued). The stock has 1 warning sign investors should review.

Sai Gon - Hanoi Commercial Joint Stock Bank's Beginning Cash Position for the quarter that ended in Mar. 2026 was ₫161,907,719 Mil.

Sai Gon - Hanoi Commercial Joint Stock Bank's quarterly Beginning Cash Position increased from Sep. 2025 (₫123,545,042 Mil) to Dec. 2025 (₫134,798,134 Mil) and increased from Dec. 2025 (₫134,798,134 Mil) to Mar. 2026 (₫161,907,719 Mil).

Sai Gon - Hanoi Commercial Joint Stock Bank's annual Beginning Cash Position increased from Dec. 2023 (₫69,500,092 Mil) to Dec. 2024 (₫110,859,786 Mil) and increased from Dec. 2024 (₫110,859,786 Mil) to Dec. 2025 (₫121,317,534 Mil).


Sai Gon - Hanoi Commercial Joint Stock Bank Beginning Cash Position Related Terms


Sai Gon - Hanoi Commercial Joint Stock Bank Beginning Cash Position Historical Data

* Premium members only.

The historical data trend for Sai Gon - Hanoi Commercial Joint Stock Bank's Beginning Cash Position can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Sai Gon - Hanoi Commercial Joint Stock Bank Beginning Cash Position Chart

Sai Gon - Hanoi Commercial Joint Stock Bank Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Beginning Cash Position
Get a 7-Day Free Trial Premium Member Only Premium Member Only 47,580,006.00 71,809,167.00 69,500,092.00 110,859,786.00 121,317,534.00

Sai Gon - Hanoi Commercial Joint Stock Bank Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Beginning Cash Position Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 121,317,534.00 136,032,807.00 123,545,042.00 134,798,134.00 161,907,719.00
STC:SHB
66GF Score
Sai Gon - Hanoi Commercial Joint Stock Bank STC:SHB
Beginning Cash Position is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Sai Gon - Hanoi Commercial Joint Stock Bank Beginning Cash Position Calculation

Beginning Cash Position is the cash and equivalents balance at the beginning of the accounting period, as indicated on the Cash Flow statement.

What does a Beginning Cash Position of ₫161,907,719 Mil mean?
Sai Gon - Hanoi Commercial Joint Stock Bank (STC:SHB) has a Beginning Cash Position of ₫161,907,719 Mil as of Mar. 2026. Beginning Cash Position is the cash and equivalents balance at the beginning of the accounting period, as indicated on the Cash Flow statement. View historical data on Sai Gon - Hanoi Commercial Joint Stock Bank and its competitors.
Is Sai Gon - Hanoi Commercial Joint Stock Bank's Beginning Cash Position too high?
Sai Gon - Hanoi Commercial Joint Stock Bank's current Beginning Cash Position is ₫161,907,719 Mil. Overall, Sai Gon - Hanoi Commercial Joint Stock Bank has a GF Score™ of 66/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Sai Gon - Hanoi Commercial Joint Stock Bank's Beginning Cash Position compare to competitors?
Sai Gon - Hanoi Commercial Joint Stock Bank's Beginning Cash Position of ₫161,907,719 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Beginning Cash Position for a Banks company?
A good Beginning Cash Position depends on the Banks industry context. However, Beginning Cash Position should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Beginning Cash Position mean?
A high Beginning Cash Position can signal that a stock is expensive relative to its fundamentals. Beginning Cash Position is the cash and equivalents balance at the beginning of the accounting period, as indicated on the Cash Flow statement. View historical data on Sai Gon - Hanoi Commercial Joint Stock Bank and its competitors. Sai Gon - Hanoi Commercial Joint Stock Bank's current Beginning Cash Position is ₫161,907,719 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Sai Gon - Hanoi Commercial Joint Stock Bank stock overvalued right now?
Based on GuruFocus' analysis, Sai Gon - Hanoi Commercial Joint Stock Bank (STC:SHB) is currently considered Modestly Undervalued. The stock's GF Value™ is ₫14,375.20, compared to a current price of ₫12,800.00 — trading 11% below its estimated fair value. The current Beginning Cash Position is ₫161,907,719 Mil. Sai Gon - Hanoi Commercial Joint Stock Bank's overall GF Score™ is 66/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Beginning Cash Position calculated?
Beginning Cash Position is calculated from a company's financial statements. For Sai Gon - Hanoi Commercial Joint Stock Bank (STC:SHB), the current Beginning Cash Position is ₫161,907,719 Mil as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Sai Gon - Hanoi Commercial Joint Stock Bank (STC:SHB) Overvalued in 2026?

Based on GuruFocus' analysis, Sai Gon - Hanoi Commercial Joint Stock Bank stock appears to be undervalued. The current stock price of ₫12,800.00 is trading 11% below its estimated GF Value™ of ₫14,375.20. GuruFocus considers Sai Gon - Hanoi Commercial Joint Stock Bank to be Modestly Undervalued.

Key valuation signals for STC:SHB:

  • Beginning Cash Position: ₫161,907,719 Mil
  • GF Value™: ₫14,375.20 vs. price of ₫12,800.00 (11% below fair value)
  • GF Score™: 66/100 with 1 warning sign

No single metric tells the full story. See the STC:SHB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Sai Gon - Hanoi Commercial Joint Stock Bank Business Description

Address 77 Tran Hung Dao Street, Hoan Kiem District, Cua Nam Ward, Hanoi, VNM
Sai Gon - Hanoi Commercial Joint Stock Bank is a Vietnam-based banking corporation. It offers various banking services to its customers, including retail banking, corporate banking, and other banking-related services. Its products and services include savings, current accounts, money transfer services, E-banking, guarantee service, and forex trading and treasury services. It also provides credit in the form of car loans, rubber loans, agricultural product loans, business overdrafts, and medium and long-term loans and credit facilities. The company operates in four reportable segments: credit, investment, services, and treasury. The primary source of its revenue is interest income, commission, and fees received by providing advisory and financial services to the customer.
66GF Score

Get the complete analysis for STC:SHB

Beginning Cash Position is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₫12,800.00
Price
₫14,375.20
GF Value