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During the past 12 months, Sai Gon - Hanoi Commercial Joint Stock Bank's average Book Value per Share Growth Rate was 19.10% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 16.20% per year.
During the past 5 years, the average Book Value per Share Growth Rate was 13.40% per year.
During the past 10 years, the average Book Value per Share Growth Rate was 16.10% 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 Sai Gon - Hanoi Commercial Joint Stock Bank was 25.50% per year. The lowest was -4.00% per year. And the median was 9.30% per year.
Sai Gon - Hanoi Commercial Joint Stock Bank (STC:SHB) 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.
Sai Gon - Hanoi Commercial Joint Stock Bank 3-Year Book Growth Rate Related Terms
Sai Gon - Hanoi Commercial Joint Stock Bank 3-Year Book Growth Rate Competitor Comparison
For the Banks - Regional subindustry, Sai Gon - Hanoi 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.
Sai Gon - Hanoi Commercial Joint Stock Bank 3-Year Book Growth Rate vs Banks Industry
Sai Gon - Hanoi 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 16.20% mean?
Sai Gon - Hanoi Commercial Joint Stock Bank (STC:SHB) has a 3-Year Book Growth Rate of 16.20% as of Mar. 2026. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Sai Gon - Hanoi Commercial Joint Stock Bank and its competitors. This is 74% above median its historical median of 9.30. According to the industry distribution chart, Sai Gon - Hanoi Commercial Joint Stock Bank ranks #262 out of 1486 companies in the Banks industry, placing it in the top 17.6%.
Is Sai Gon - Hanoi Commercial Joint Stock Bank's 3-Year Book Growth Rate too high?
Sai Gon - Hanoi Commercial Joint Stock Bank's current 3-Year Book Growth Rate of 16.20% is 74% above median its 10-year median of 9.30. The Banks industry median 3-Year Book Growth Rate is 8.80. Sai Gon - Hanoi Commercial Joint Stock Bank's value of 16.20% is 84.1% above this industry median. Based on the distribution chart, Sai Gon - Hanoi Commercial Joint Stock Bank ranks #262 out of 1486 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Sai Gon - Hanoi Commercial Joint Stock Bank has a GF Score™ of 61/100 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 3-Year Book Growth Rate compare to competitors?
According to the Banks industry distribution chart, Sai Gon - Hanoi Commercial Joint Stock Bank ranks #262 out of 1486 companies for 3-Year Book Growth Rate. This places Sai Gon - Hanoi Commercial Joint Stock Bank in the top 18% of its industry — outperforming the majority of peers. The industry median 3-Year Book Growth Rate is 8.80. Sai Gon - Hanoi Commercial Joint Stock Bank's value of 16.20% is 84.1% above this benchmark. While the company's 10-year median is 9.30 vs. the industry median of 8.80, Sai Gon - Hanoi 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 1,486 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. Sai Gon - Hanoi Commercial Joint Stock Bank's current 3-Year Book Growth Rate of 16.20% is 84.1% 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 Sai Gon - Hanoi 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. Sai Gon - Hanoi Commercial Joint Stock Bank's current 3-Year Book Growth Rate is 16.20%, which is 74% above median its own 10-year median of 9.30. 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 ₫13,001.24, compared to a current price of ₫11,650.00 — trading 10.4% below its estimated fair value. The current 3-Year Book Growth Rate is 16.20%, which is 74% above median its 10-year median of 9.30 and 84.1% above the Banks industry median of 8.80. Sai Gon - Hanoi Commercial Joint Stock Bank's overall GF Score™ is 61/100 with 3 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 Sai Gon - Hanoi Commercial Joint Stock Bank (STC:SHB), the current 3-Year Book Growth Rate is 16.20% 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 ₫11,650.00 is trading 10.4% below its estimated GF Value™ of ₫13,001.24.
GuruFocus considers Sai Gon - Hanoi Commercial Joint Stock Bank to be Modestly Undervalued.
Key valuation signals for STC:SHB:
3-Year Book Growth Rate: 16.20% (74% above median its 10-year median of 9.30)
GF Value™: ₫13,001.24 vs. price of ₫11,650.00 (10.4% below fair value)
Industry Position: 84.1% above the Banks median (#262 of 1486)
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 (SHB) is a Vietnamese commercial bank headquartered in Hanoi. It provides retail and corporate banking through a nationwide branch and transaction office network, serving individuals, small and medium-sized enterprises, and larger corporate clients. Its offerings include savings and current accounts, mortgages, consumer and auto loans, business lending, overdrafts, and medium- and long-term credit facilities, alongside money transfers, guarantees, foreign exchange, treasury services, and digital and e-banking channels. The bank also conducts investment and treasury activities, including securities and bond holdings. It reports in four segments: credit, investment, services, and treasury. Interest income from loans and deposits is the largest revenue source, supplemented by fees and commissions from payment, advisory, and financial services, plus trading and investment gains.
61GF 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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