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During the past 12 months, Vietnam Maritime Commercial Joint Stock Bank's average Book Value per Share Growth Rate was 15.10% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 16.50% per year.
During the past 5 years, the average Book Value per Share Growth Rate was 18.30% 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 7 years, the highest 3-Year average Book Value per Share Growth Rate of Vietnam Maritime Commercial Joint Stock Bank was 19.90% per year. The lowest was 16.50% per year. And the median was 18.30% per year.
Vietnam Maritime Commercial Joint Stock Bank (STC:MSB) 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.
Vietnam Maritime Commercial Joint Stock Bank 3-Year Book Growth Rate Related Terms
Vietnam Maritime Commercial Joint Stock Bank 3-Year Book Growth Rate Competitor Comparison
For the Banks - Regional subindustry, Vietnam Maritime 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.
Vietnam Maritime Commercial Joint Stock Bank 3-Year Book Growth Rate vs Banks Industry
Vietnam Maritime 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 16.50% mean?
Vietnam Maritime Commercial Joint Stock Bank (STC:MSB) has a 3-Year Book Growth Rate of 16.50% 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 Vietnam Maritime Commercial Joint Stock Bank and its competitors. This is 10% below median its historical median of 18.30. Over the past decade, Vietnam Maritime Commercial Joint Stock Bank's 3-Year Book Growth Rate has ranged from 16.50 to 19.90. According to the industry distribution chart, Vietnam Maritime Commercial Joint Stock Bank ranks #254 out of 1491 companies in the Banks industry, placing it in the top 17%.
Is Vietnam Maritime Commercial Joint Stock Bank's 3-Year Book Growth Rate too high?
Vietnam Maritime Commercial Joint Stock Bank's current 3-Year Book Growth Rate of 16.50% is 10% below median its 10-year median of 18.30. Over the past 10 years, this metric has ranged from a low of 16.50 to a high of 19.90. The Banks industry median 3-Year Book Growth Rate is 8.80. Vietnam Maritime Commercial Joint Stock Bank's value of 16.50% is 87.5% above this industry median. Based on the distribution chart, Vietnam Maritime Commercial Joint Stock Bank ranks #254 out of 1491 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Vietnam Maritime Commercial Joint Stock Bank has a GF Score™ of 62/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Vietnam Maritime Commercial Joint Stock Bank's 3-Year Book Growth Rate compare to competitors?
According to the Banks industry distribution chart, Vietnam Maritime Commercial Joint Stock Bank ranks #254 out of 1491 companies for 3-Year Book Growth Rate. This places Vietnam Maritime Commercial Joint Stock Bank in the top 17% of its industry — outperforming the majority of peers. The industry median 3-Year Book Growth Rate is 8.80. Vietnam Maritime Commercial Joint Stock Bank's value of 16.50% is 87.5% above this benchmark. Historically, Vietnam Maritime Commercial Joint Stock Bank's own 3-Year Book Growth Rate has ranged from 16.50 to 19.90 over the past decade. While the company's 10-year median is 18.30 vs. the industry median of 8.80, Vietnam Maritime 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. Vietnam Maritime Commercial Joint Stock Bank's current 3-Year Book Growth Rate of 16.50% is 87.5% 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 Vietnam Maritime 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. Vietnam Maritime Commercial Joint Stock Bank's current 3-Year Book Growth Rate is 16.50%, which is 10% below median its own 10-year median of 18.30. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Vietnam Maritime Commercial Joint Stock Bank stock overvalued right now?
Based on GuruFocus' analysis, Vietnam Maritime Commercial Joint Stock Bank (STC:MSB) is currently considered Significantly Overvalued. The stock's GF Value™ is ₫9,268.30, compared to a current price of ₫13,350.00 — trading 44% above its estimated fair value. The current 3-Year Book Growth Rate is 16.50%, which is 10% below median its 10-year median of 18.30 and 87.5% above the Banks industry median of 8.80. Vietnam Maritime Commercial Joint Stock Bank's overall GF Score™ is 62/100 with 7 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 Vietnam Maritime Commercial Joint Stock Bank (STC:MSB), the current 3-Year Book Growth Rate is 16.50% 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 Vietnam Maritime Commercial Joint Stock Bank (STC:MSB) Overvalued in 2026?
Based on GuruFocus' analysis, Vietnam Maritime Commercial Joint Stock Bank stock appears to be overvalued.
The current stock price of ₫13,350.00 is trading 44% above its estimated GF Value™ of ₫9,268.30.
GuruFocus considers Vietnam Maritime Commercial Joint Stock Bank to be Significantly Overvalued.
Key valuation signals for STC:MSB:
3-Year Book Growth Rate: 16.50% (10% below median its 10-year median of 18.30)
GF Value™: ₫9,268.30 vs. price of ₫13,350.00 (44% above fair value)
Industry Position: 87.5% above the Banks median (#254 of 1491)
No single metric tells the full story. See the STC:MSB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Vietnam Maritime Commercial Joint Stock Bank is engaged in providing banking and related services including mobilizing and receiving short, medium and long-term deposits from organizations and individuals; making short, medium and long-term loans to organizations and individuals based on the nature and capability of the Bank's capital; conducting foreign exchange transactions; international trade finance services; discounting of commercial papers, bonds and other valuable papers; conducting payments and treasury services; performing capital contributions, share purchases, securities investments and other banking services. The company provides Savings, Retail Loan products, Insurance, Card Products, Payment services, E-Banking services, and other banking services.
62GF 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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