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During the past 12 months, Loc Phat Vietnam Commercial Joint Stock Bank's average Book Value per Share Growth Rate was 5.70% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 21.00% per year.
During the past 5 years, the average Book Value per Share Growth Rate was 23.30% 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 8 years, the highest 3-Year average Book Value per Share Growth Rate of Loc Phat Vietnam Commercial Joint Stock Bank was 28.00% per year. The lowest was 21.00% per year. And the median was 23.00% per year.
Loc Phat Vietnam Commercial Joint Stock Bank (STC:LPB) 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.
Loc Phat Vietnam Commercial Joint Stock Bank 3-Year Book Growth Rate Related Terms
Loc Phat Vietnam Commercial Joint Stock Bank 3-Year Book Growth Rate Competitor Comparison
For the Banks - Regional subindustry, Loc Phat Vietnam 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.
Loc Phat Vietnam Commercial Joint Stock Bank 3-Year Book Growth Rate vs Banks Industry
Loc Phat Vietnam 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 21.00% mean?
Loc Phat Vietnam Commercial Joint Stock Bank (STC:LPB) has a 3-Year Book Growth Rate of 21.00% 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 Loc Phat Vietnam Commercial Joint Stock Bank and its competitors. This is near median its historical median of 23.00. Over the past decade, Loc Phat Vietnam Commercial Joint Stock Bank's 3-Year Book Growth Rate has ranged from 21.00 to 28.00. According to the industry distribution chart, Loc Phat Vietnam Commercial Joint Stock Bank ranks #147 out of 1497 companies in the Banks industry, placing it in the top 9.8%.
Is Loc Phat Vietnam Commercial Joint Stock Bank's 3-Year Book Growth Rate too high?
Loc Phat Vietnam Commercial Joint Stock Bank's current 3-Year Book Growth Rate of 21.00% is near median its 10-year median of 23.00. Over the past 10 years, this metric has ranged from a low of 21.00 to a high of 28.00. The Banks industry median 3-Year Book Growth Rate is 8.70. Loc Phat Vietnam Commercial Joint Stock Bank's value of 21.00% is 141.4% above this industry median. Based on the distribution chart, Loc Phat Vietnam Commercial Joint Stock Bank ranks #147 out of 1497 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Loc Phat Vietnam Commercial Joint Stock Bank has a GF Score™ of 67/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Loc Phat Vietnam Commercial Joint Stock Bank's 3-Year Book Growth Rate compare to competitors?
According to the Banks industry distribution chart, Loc Phat Vietnam Commercial Joint Stock Bank ranks #147 out of 1497 companies for 3-Year Book Growth Rate. This places Loc Phat Vietnam Commercial Joint Stock Bank in the top 10% of its industry — outperforming the majority of peers. The industry median 3-Year Book Growth Rate is 8.70. Loc Phat Vietnam Commercial Joint Stock Bank's value of 21.00% is 141.4% above this benchmark. Historically, Loc Phat Vietnam Commercial Joint Stock Bank's own 3-Year Book Growth Rate has ranged from 21.00 to 28.00 over the past decade. While the company's 10-year median is 23.00 vs. the industry median of 8.70, Loc Phat Vietnam 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 8.70, based on 1,497 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. Loc Phat Vietnam Commercial Joint Stock Bank's current 3-Year Book Growth Rate of 21.00% is 141.4% 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 Loc Phat Vietnam Commercial Joint Stock Bank and its competitors. For the Banks industry, the median 3-Year Book Growth Rate is 8.70 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Loc Phat Vietnam Commercial Joint Stock Bank's current 3-Year Book Growth Rate is 21.00%, which is near median its own 10-year median of 23.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Loc Phat Vietnam Commercial Joint Stock Bank stock overvalued right now?
Based on GuruFocus' analysis, Loc Phat Vietnam Commercial Joint Stock Bank (STC:LPB) is currently considered Significantly Overvalued. The stock's GF Value™ is ₫37,613.22, compared to a current price of ₫52,900.00 — trading 40.6% above its estimated fair value. The current 3-Year Book Growth Rate is 21.00%, which is near median its 10-year median of 23.00 and 141.4% above the Banks industry median of 8.70. Loc Phat Vietnam Commercial Joint Stock Bank's overall GF Score™ is 67/100 with 5 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 Loc Phat Vietnam Commercial Joint Stock Bank (STC:LPB), the current 3-Year Book Growth Rate is 21.00% 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 Loc Phat Vietnam Commercial Joint Stock Bank (STC:LPB) Overvalued in 2026?
Based on GuruFocus' analysis, Loc Phat Vietnam Commercial Joint Stock Bank stock appears to be overvalued.
The current stock price of ₫52,900.00 is trading 40.6% above its estimated GF Value™ of ₫37,613.22.
GuruFocus considers Loc Phat Vietnam Commercial Joint Stock Bank to be Significantly Overvalued.
Key valuation signals for STC:LPB:
3-Year Book Growth Rate: 21.00% (near median its 10-year median of 23.00)
GF Value™: ₫37,613.22 vs. price of ₫52,900.00 (40.6% above fair value)
Industry Position: 141.4% above the Banks median (#147 of 1497)
No single metric tells the full story. See the STC:LPB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Loc Phat Vietnam Commercial Joint Stock Bank is a financial institution in Vietnam operating with the mission of providing comprehensive financial solutions for individual customers, businesses, and partners. Its offerings include Payment accounts, Cards, savings, loans, International money transfer, Insurance, and other services.
67GF Score
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