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Asia Commercial Joint Stock BankSTC:ACB 72 3-Year Book Growth Rate is 17.40% as of Jun. 2026, which is 102% above its 10-year median of 8.60. GuruFocus rates STC:ACB with a GF Score™ of 72/100 and a GF Value™ of ₫21,030.58 (Fairly Valued). The stock has 6 warning signs investors should review. Among 1,491 Banks companies, Asia Commercial Joint Stock Bank ranks better than 84.84% on this metric.
During the past 12 months, Asia Commercial Joint Stock Bank's average Book Value per Share Growth Rate was 13.90% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 17.40% per year.
During the past 5 years, the average Book Value per Share Growth Rate was 22.00% per year.
During the past 10 years, the average Book Value per Share Growth Rate was 8.10% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
During the past 13 years, the highest 3-Year average Book Value per Share Growth Rate of Asia Commercial Joint Stock Bank was 47.90% per year. The lowest was -8.10% per year. And the median was 8.60% per year.
Asia Commercial Joint Stock Bank (STC:ACB) 3-Year Book Growth Rate Explanation
Book Value per Share is the ratio of equity available to common shareholders divided by the shares outstanding. Book value per share effectively indicates a firm's net asset value on a per-share basis. It can be used by investors to gauge whether a stock price is undervalued by comparing it to the firm's market value per share. Theoretically, it is what the shareholders will receive if the company is liquidated.
Asia Commercial Joint Stock Bank 3-Year Book Growth Rate Related Terms
Asia Commercial Joint Stock Bank 3-Year Book Growth Rate Competitor Comparison
For the Banks - Regional subindustry, Asia Commercial Joint Stock Bank's 3-Year Book Growth Rate, along with its competitors' market caps and 3-Year Book Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Asia Commercial Joint Stock Bank 3-Year Book Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, Asia Commercial Joint Stock Bank's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where Asia Commercial Joint Stock Bank's 3-Year Book Growth Rate falls into.
Asia Commercial Joint Stock Bank 3-Year Book Growth Rate Calculation
This is the 3-year average growth rate of Book Value per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
What does a 3-Year Book Growth Rate of 17.40% mean?
Asia Commercial Joint Stock Bank (STC:ACB) has a 3-Year Book Growth Rate of 17.40% as of Jun. 2026. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Asia Commercial Joint Stock Bank and its competitors. This is 102% above median its historical median of 8.60. According to the industry distribution chart, Asia Commercial Joint Stock Bank ranks #226 out of 1491 companies in the Banks industry, placing it in the top 15.2%.
Is Asia Commercial Joint Stock Bank's 3-Year Book Growth Rate too high?
Asia Commercial Joint Stock Bank's current 3-Year Book Growth Rate of 17.40% is 102% above median its 10-year median of 8.60. The Banks industry median 3-Year Book Growth Rate is 8.80. Asia Commercial Joint Stock Bank's value of 17.40% is 97.7% above this industry median. Based on the distribution chart, Asia Commercial Joint Stock Bank ranks #226 out of 1491 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Asia Commercial Joint Stock Bank has a GF Score™ of 72/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Asia Commercial Joint Stock Bank's 3-Year Book Growth Rate compare to competitors?
According to the Banks industry distribution chart, Asia Commercial Joint Stock Bank ranks #226 out of 1491 companies for 3-Year Book Growth Rate. This places Asia Commercial Joint Stock Bank in the top 15% of its industry — outperforming the majority of peers. The industry median 3-Year Book Growth Rate is 8.80. Asia Commercial Joint Stock Bank's value of 17.40% is 97.7% above this benchmark. While the company's 10-year median is 8.60 vs. the industry median of 8.80, Asia Commercial Joint Stock Bank has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Book Growth Rate for a Banks company?
The median 3-Year Book Growth Rate among Banks companies is 8.80, based on 1,491 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Book Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Book Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Asia Commercial Joint Stock Bank's current 3-Year Book Growth Rate of 17.40% is 97.7% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year Book Growth Rate mean?
A high 3-Year Book Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Asia Commercial Joint Stock Bank and its competitors. For the Banks industry, the median 3-Year Book Growth Rate is 8.80 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Asia Commercial Joint Stock Bank's current 3-Year Book Growth Rate is 17.40%, which is 102% above median its own 10-year median of 8.60. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Asia Commercial Joint Stock Bank stock overvalued right now?
Based on GuruFocus' analysis, Asia Commercial Joint Stock Bank (STC:ACB) is currently considered Fairly Valued. The stock's GF Value™ is ₫21,030.58, compared to a current price of ₫22,200.00 — trading 5.6% above its estimated fair value. The current 3-Year Book Growth Rate is 17.40%, which is 102% above median its 10-year median of 8.60 and 97.7% above the Banks industry median of 8.80. Asia Commercial Joint Stock Bank's overall GF Score™ is 72/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Book Growth Rate calculated?
3-Year Book Growth Rate is calculated from a company's financial statements. For Asia Commercial Joint Stock Bank (STC:ACB), the current 3-Year Book Growth Rate is 17.40% as of Jun. 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 Asia Commercial Joint Stock Bank (STC:ACB) Overvalued in 2026?
Based on GuruFocus' analysis, Asia Commercial Joint Stock Bank stock appears to be overvalued.
The current stock price of ₫22,200.00 is trading 5.6% above its estimated GF Value™ of ₫21,030.58.
GuruFocus considers Asia Commercial Joint Stock Bank to be Fairly Valued.
Key valuation signals for STC:ACB:
3-Year Book Growth Rate: 17.40% (102% above median its 10-year median of 8.60)
GF Value™: ₫21,030.58 vs. price of ₫22,200.00 (5.6% above fair value)
Industry Position: 97.7% above the Banks median (#226 of 1491)
No single metric tells the full story. See the STC:ACB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Asia Commercial Joint Stock Bank and its subsidiaries (the Group) mobilise short, medium, and long-term funds, receive entrusted investment funds, borrow from financial institutions, grant loans, discount commercial papers and bonds, provide settlement services, trade foreign currencies and gold, offer trade finance, and perform approved overseas services. The Group also conducts debt factoring, bond trading, fiduciary activities, commodity derivatives, insurance agency, securities depository and clearing, finance leasing, securities trading and consultancy, corporate finance services, investment fund and asset management. Its segments are Banking, Securities trading, Asset management, Finance Leasing, and Fund Management, operating in the northern, central, and southern regions.
72GF Score
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3-Year Book Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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