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During the past 12 months, Vietnam Technological and Commercial Joint Stock bank's average Book Value per Share Growth Rate was 13.30% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 14.60% per year.
During the past 5 years, the average Book Value per Share Growth Rate was 17.30% per year.
During the past 10 years, the average Book Value per Share Growth Rate was 25.40% 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 12 years, the highest 3-Year average Book Value per Share Growth Rate of Vietnam Technological and Commercial Joint Stock bank was 46.60% per year. The lowest was 14.60% per year. And the median was 21.45% per year.
Vietnam Technological and Commercial Joint Stock bank (STC:TCB) 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 Technological and Commercial Joint Stock bank 3-Year Book Growth Rate Related Terms
Vietnam Technological and Commercial Joint Stock bank 3-Year Book Growth Rate Competitor Comparison
For the Banks - Regional subindustry, Vietnam Technological and 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 Technological and Commercial Joint Stock bank 3-Year Book Growth Rate vs Banks Industry
Vietnam Technological and 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 14.60% mean?
Vietnam Technological and Commercial Joint Stock bank (STC:TCB) has a 3-Year Book Growth Rate of 14.60% 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 Vietnam Technological and Commercial Joint Stock bank and its competitors. This is 32% below median its historical median of 21.45. Over the past decade, Vietnam Technological and Commercial Joint Stock bank's 3-Year Book Growth Rate has ranged from 14.60 to 46.60. According to the industry distribution chart, Vietnam Technological and Commercial Joint Stock bank ranks #338 out of 1486 companies in the Banks industry, placing it in the top 22.7%.
Is Vietnam Technological and Commercial Joint Stock bank's 3-Year Book Growth Rate too high?
Vietnam Technological and Commercial Joint Stock bank's current 3-Year Book Growth Rate of 14.60% is 32% below median its 10-year median of 21.45. Over the past 10 years, this metric has ranged from a low of 14.60 to a high of 46.60. The Banks industry median 3-Year Book Growth Rate is 8.80. Vietnam Technological and Commercial Joint Stock bank's value of 14.60% is 65.9% above this industry median. Based on the distribution chart, Vietnam Technological and Commercial Joint Stock bank ranks #338 out of 1486 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Vietnam Technological and Commercial Joint Stock bank has a GF Score™ of 80/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Vietnam Technological and Commercial Joint Stock bank's 3-Year Book Growth Rate compare to competitors?
According to the Banks industry distribution chart, Vietnam Technological and Commercial Joint Stock bank ranks #338 out of 1486 companies for 3-Year Book Growth Rate. This places Vietnam Technological and Commercial Joint Stock bank in the top 23% of its industry — outperforming the majority of peers. The industry median 3-Year Book Growth Rate is 8.80. Vietnam Technological and Commercial Joint Stock bank's value of 14.60% is 65.9% above this benchmark. Historically, Vietnam Technological and Commercial Joint Stock bank's own 3-Year Book Growth Rate has ranged from 14.60 to 46.60 over the past decade. While the company's 10-year median is 21.45 vs. the industry median of 8.80, Vietnam Technological and 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. Vietnam Technological and Commercial Joint Stock bank's current 3-Year Book Growth Rate of 14.60% is 65.9% 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 Technological and 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 Technological and Commercial Joint Stock bank's current 3-Year Book Growth Rate is 14.60%, which is 32% below median its own 10-year median of 21.45. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Vietnam Technological and Commercial Joint Stock bank stock overvalued right now?
Based on GuruFocus' analysis, Vietnam Technological and Commercial Joint Stock bank (STC:TCB) is currently considered Fairly Valued. The stock's GF Value™ is ₫32,548.35, compared to a current price of ₫32,250.00 — trading 0.9% below its estimated fair value. The current 3-Year Book Growth Rate is 14.60%, which is 32% below median its 10-year median of 21.45 and 65.9% above the Banks industry median of 8.80. Vietnam Technological and Commercial Joint Stock bank's overall GF Score™ is 80/100 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 Vietnam Technological and Commercial Joint Stock bank (STC:TCB), the current 3-Year Book Growth Rate is 14.60% 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 Vietnam Technological and Commercial Joint Stock bank (STC:TCB) Overvalued in 2026?
Based on GuruFocus' analysis, Vietnam Technological and Commercial Joint Stock bank stock appears to be undervalued.
The current stock price of ₫32,250.00 is trading 0.9% below its estimated GF Value™ of ₫32,548.35.
GuruFocus considers Vietnam Technological and Commercial Joint Stock bank to be Fairly Valued.
Key valuation signals for STC:TCB:
3-Year Book Growth Rate: 14.60% (32% below median its 10-year median of 21.45)
GF Value™: ₫32,548.35 vs. price of ₫32,250.00 (0.9% below fair value)
Industry Position: 65.9% above the Banks median (#338 of 1486)
No single metric tells the full story. See the STC:TCB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Vietnam Technological and Commercial Joint Stock bank The principal activities of the Bank are mobilizing and receiving short, medium and long-term deposit funds from organizations and individuals; lending on short, medium and long-term basis; conducting settlement and cash services and other banking services as approved by the SBV; conducting investments in subsidiaries, associates, joint-ventures and other companies; conducting investments in bonds and dealing in foreign exchange as per regulations.
80GF Score
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