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Orient Commercial JSCSTC:OCB +1.45%73 3-Year Book Growth Rate is 10.30% as of Jun. 2026, which is 34% below its 10-year median of 15.50. GuruFocus rates STC:OCB with a GF Score™ of 73/100 and a GF Value™ of ₫12,936.21 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 1,486 Banks companies, Orient Commercial JSC ranks better than 59.02% on this metric.
During the past 12 months, Orient Commercial JSC's average Book Value per Share Growth Rate was 8.20% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 10.30% per year.
During the past 5 years, the average Book Value per Share Growth Rate was 14.00% 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 Orient Commercial JSC was 30.00% per year. The lowest was 10.30% per year. And the median was 15.50% per year.
Orient Commercial JSC (STC:OCB) 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.
Orient Commercial JSC 3-Year Book Growth Rate Related Terms
Orient Commercial JSC 3-Year Book Growth Rate Competitor Comparison
For the Banks - Regional subindustry, Orient Commercial JSC'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.
Orient Commercial JSC 3-Year Book Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, Orient Commercial JSC's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where Orient Commercial JSC's 3-Year Book Growth Rate falls into.
Orient Commercial JSC 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 10.30% mean?
Orient Commercial JSC (STC:OCB) has a 3-Year Book Growth Rate of 10.30% 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 Orient Commercial JSC and its competitors. This is 34% below median its historical median of 15.50. Over the past decade, Orient Commercial JSC's 3-Year Book Growth Rate has ranged from 10.30 to 30.00. According to the industry distribution chart, Orient Commercial JSC ranks #609 out of 1486 companies in the Banks industry, placing it in the top 41%.
Is Orient Commercial JSC's 3-Year Book Growth Rate too high?
Orient Commercial JSC's current 3-Year Book Growth Rate of 10.30% is 34% below median its 10-year median of 15.50. Over the past 10 years, this metric has ranged from a low of 10.30 to a high of 30.00. The Banks industry median 3-Year Book Growth Rate is 8.80. Orient Commercial JSC's value of 10.30% is 17% above this industry median. Based on the distribution chart, Orient Commercial JSC ranks #609 out of 1486 companies in the Banks industry, which is above the industry midpoint. Overall, Orient Commercial JSC has a GF Score™ of 73/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Orient Commercial JSC's 3-Year Book Growth Rate compare to competitors?
According to the Banks industry distribution chart, Orient Commercial JSC ranks #609 out of 1486 companies for 3-Year Book Growth Rate. This puts Orient Commercial JSC in the upper half of its industry. The industry median 3-Year Book Growth Rate is 8.80. Orient Commercial JSC's value of 10.30% is 17% above this benchmark. Historically, Orient Commercial JSC's own 3-Year Book Growth Rate has ranged from 10.30 to 30.00 over the past decade. While the company's 10-year median is 15.50 vs. the industry median of 8.80, Orient Commercial JSC 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 1,486 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. Orient Commercial JSC's current 3-Year Book Growth Rate of 10.30% is 17% 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 Orient Commercial JSC 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. Orient Commercial JSC's current 3-Year Book Growth Rate is 10.30%, which is 34% below median its own 10-year median of 15.50. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Orient Commercial JSC stock overvalued right now?
Based on GuruFocus' analysis, Orient Commercial JSC (STC:OCB) is currently considered Modestly Undervalued. The stock's GF Value™ is ₫12,936.21, compared to a current price of ₫10,450.00 — trading 19.2% below its estimated fair value. The current 3-Year Book Growth Rate is 10.30%, which is 34% below median its 10-year median of 15.50 and 17% above the Banks industry median of 8.80. Orient Commercial JSC's overall GF Score™ is 73/100 with 2 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 Orient Commercial JSC (STC:OCB), the current 3-Year Book Growth Rate is 10.30% 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 Orient Commercial JSC (STC:OCB) Overvalued in 2026?
Based on GuruFocus' analysis, Orient Commercial JSC stock appears to be undervalued.
The current stock price of ₫10,450.00 is trading 19.2% below its estimated GF Value™ of ₫12,936.21.
GuruFocus considers Orient Commercial JSC to be Modestly Undervalued.
Key valuation signals for STC:OCB:
3-Year Book Growth Rate: 10.30% (34% below median its 10-year median of 15.50)
GF Value™: ₫12,936.21 vs. price of ₫10,450.00 (19.2% below fair value)
Industry Position: 17% above the Banks median (#609 of 1486)
No single metric tells the full story. See the STC:OCB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Orient Commercial Joint Stock Bank (OCB) is a Vietnamese commercial bank headquartered in Ho Chi Minh City. It offers a broad range of retail and corporate banking services, including savings and term deposits, personal and business loans, mortgages, credit and debit cards, money transfers, foreign exchange, and bancassurance. The bank also provides trade finance, working capital financing, and treasury services to small and medium-sized enterprises and larger corporate clients. OCB serves individual customers, households, and businesses through an extensive network of branches, transaction offices, and digital banking channels across Vietnam, with a concentration in major urban centers. Revenue is generated primarily from net interest income on loans and deposits, supplemented by fees from payment services, insurance distribution, card services, and other non-interest activities. The bank is listed on the Ho Chi Minh Stock Exchange.
73GF Score
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