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During the past 12 months, Southeast Asia Commercial Joint Stock Bank's average Book Value per Share Growth Rate was 6.70% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 14.70% per year.
During the past 5 years, the average Book Value per Share Growth Rate was 19.80% 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 Southeast Asia Commercial Joint Stock Bank was 29.90% per year. The lowest was 14.70% per year. And the median was 24.20% per year.
Southeast Asia Commercial Joint Stock Bank (STC:SSB) 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.
Southeast Asia Commercial Joint Stock Bank 3-Year Book Growth Rate Related Terms
Southeast Asia Commercial Joint Stock Bank 3-Year Book Growth Rate Competitor Comparison
For the Banks - Regional subindustry, Southeast 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.
Southeast Asia Commercial Joint Stock Bank 3-Year Book Growth Rate vs Banks Industry
Southeast 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 14.70% mean?
Southeast Asia Commercial Joint Stock Bank (STC:SSB) has a 3-Year Book Growth Rate of 14.70% 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 Southeast Asia Commercial Joint Stock Bank and its competitors. This is 39% below median its historical median of 24.20. Over the past decade, Southeast Asia Commercial Joint Stock Bank's 3-Year Book Growth Rate has ranged from 14.70 to 29.90. According to the industry distribution chart, Southeast Asia Commercial Joint Stock Bank ranks #333 out of 1498 companies in the Banks industry, placing it in the top 22.2%.
Is Southeast Asia Commercial Joint Stock Bank's 3-Year Book Growth Rate too high?
Southeast Asia Commercial Joint Stock Bank's current 3-Year Book Growth Rate of 14.70% is 39% below median its 10-year median of 24.20. Over the past 10 years, this metric has ranged from a low of 14.70 to a high of 29.90. The Banks industry median 3-Year Book Growth Rate is 8.75. Southeast Asia Commercial Joint Stock Bank's value of 14.70% is 68% above this industry median. Based on the distribution chart, Southeast Asia Commercial Joint Stock Bank ranks #333 out of 1498 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Southeast Asia Commercial Joint Stock Bank has a GF Score™ of 66/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Southeast Asia Commercial Joint Stock Bank's 3-Year Book Growth Rate compare to competitors?
According to the Banks industry distribution chart, Southeast Asia Commercial Joint Stock Bank ranks #333 out of 1498 companies for 3-Year Book Growth Rate. This places Southeast Asia Commercial Joint Stock Bank in the top 22% of its industry — outperforming the majority of peers. The industry median 3-Year Book Growth Rate is 8.75. Southeast Asia Commercial Joint Stock Bank's value of 14.70% is 68% above this benchmark. Historically, Southeast Asia Commercial Joint Stock Bank's own 3-Year Book Growth Rate has ranged from 14.70 to 29.90 over the past decade. While the company's 10-year median is 24.20 vs. the industry median of 8.75, Southeast 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 8.75, based on 1,498 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. Southeast Asia Commercial Joint Stock Bank's current 3-Year Book Growth Rate of 14.70% is 68% 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 Southeast Asia Commercial Joint Stock Bank and its competitors. For the Banks industry, the median 3-Year Book Growth Rate is 8.75 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Southeast Asia Commercial Joint Stock Bank's current 3-Year Book Growth Rate is 14.70%, which is 39% below median its own 10-year median of 24.20. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Southeast Asia Commercial Joint Stock Bank stock overvalued right now?
Based on GuruFocus' analysis, Southeast Asia Commercial Joint Stock Bank (STC:SSB) is currently considered Fairly Valued. The stock's GF Value™ is ₫14,205.45, compared to a current price of ₫15,050.00 — trading 5.9% above its estimated fair value. The current 3-Year Book Growth Rate is 14.70%, which is 39% below median its 10-year median of 24.20 and 68% above the Banks industry median of 8.75. Southeast Asia Commercial Joint Stock Bank's overall GF Score™ is 66/100 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 Southeast Asia Commercial Joint Stock Bank (STC:SSB), the current 3-Year Book Growth Rate is 14.70% 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 Southeast Asia Commercial Joint Stock Bank (STC:SSB) Overvalued in 2026?
Based on GuruFocus' analysis, Southeast Asia Commercial Joint Stock Bank stock appears to be overvalued.
The current stock price of ₫15,050.00 is trading 5.9% above its estimated GF Value™ of ₫14,205.45.
GuruFocus considers Southeast Asia Commercial Joint Stock Bank to be Fairly Valued.
Key valuation signals for STC:SSB:
3-Year Book Growth Rate: 14.70% (39% below median its 10-year median of 24.20)
GF Value™: ₫14,205.45 vs. price of ₫15,050.00 (5.9% above fair value)
Industry Position: 68% above the Banks median (#333 of 1498)
No single metric tells the full story. See the STC:SSB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Southeast Asia Commercial Joint Stock Bank is engaged in mobilizing and receiving short, medium and long-term deposits from organizations and individuals; to grant short, medium and long-term loans to organizations and individuals; to provide settlement services, treasury services and other banking services; to invest in other entities and in bonds; and to trade foreign currencies in accordance with the laws and regulations. Its segments include Banking activities include products and services provided to customers include mobilising deposits; providing credit; settlement services via accounts and other banking activities; Finance company activities include consumer lending and other financial activities; and Debt management and asset exploitation activities.
66GF 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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