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During the past 12 months, Joint Stock Commercial Bank for Foreign Trade of Vietnam's average Book Value per Share Growth Rate was 14.20% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 18.30% per year.
During the past 5 years, the average Book Value per Share Growth Rate was 19.80% per year.
During the past 10 years, the average Book Value per Share Growth Rate was 18.40% 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 13 years, the highest 3-Year average Book Value per Share Growth Rate of Joint Stock Commercial Bank for Foreign Trade of Vietnam was 23.50% per year. The lowest was 2.70% per year. And the median was 18.30% per year.
Joint Stock Commercial Bank for Foreign Trade of Vietnam (STC:VCB) 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.
Joint Stock Commercial Bank for Foreign Trade of Vietnam 3-Year Book Growth Rate Related Terms
Joint Stock Commercial Bank for Foreign Trade of Vietnam 3-Year Book Growth Rate Competitor Comparison
* 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.
Joint Stock Commercial Bank for Foreign Trade of Vietnam 3-Year Book Growth Rate vs Banks Industry
Joint Stock Commercial Bank for Foreign Trade of Vietnam 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 18.30% mean?
Joint Stock Commercial Bank for Foreign Trade of Vietnam (STC:VCB) has a 3-Year Book Growth Rate of 18.30% 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 Joint Stock Commercial Bank for Foreign Trade of Vietnam and its competitors. This is near median its historical median of 18.30. Over the past decade, Joint Stock Commercial Bank for Foreign Trade of Vietnam's 3-Year Book Growth Rate has ranged from 2.70 to 23.50. According to the industry distribution chart, Joint Stock Commercial Bank for Foreign Trade of Vietnam ranks #194 out of 1496 companies in the Banks industry, placing it in the top 13%.
Is Joint Stock Commercial Bank for Foreign Trade of Vietnam's 3-Year Book Growth Rate too high?
Joint Stock Commercial Bank for Foreign Trade of Vietnam's current 3-Year Book Growth Rate of 18.30% is near median its 10-year median of 18.30. Over the past 10 years, this metric has ranged from a low of 2.70 to a high of 23.50. The Banks industry median 3-Year Book Growth Rate is 8.70. Joint Stock Commercial Bank for Foreign Trade of Vietnam's value of 18.30% is 110.3% above this industry median. Based on the distribution chart, Joint Stock Commercial Bank for Foreign Trade of Vietnam ranks #194 out of 1496 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Joint Stock Commercial Bank for Foreign Trade of Vietnam has a GF Score™ of 85/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Joint Stock Commercial Bank for Foreign Trade of Vietnam's 3-Year Book Growth Rate compare to competitors?
According to the Banks industry distribution chart, Joint Stock Commercial Bank for Foreign Trade of Vietnam ranks #194 out of 1496 companies for 3-Year Book Growth Rate. This places Joint Stock Commercial Bank for Foreign Trade of Vietnam in the top 13% of its industry — outperforming the majority of peers. The industry median 3-Year Book Growth Rate is 8.70. Joint Stock Commercial Bank for Foreign Trade of Vietnam's value of 18.30% is 110.3% above this benchmark. Historically, Joint Stock Commercial Bank for Foreign Trade of Vietnam's own 3-Year Book Growth Rate has ranged from 2.70 to 23.50 over the past decade. While the company's 10-year median is 18.30 vs. the industry median of 8.70, Joint Stock Commercial Bank for Foreign Trade of Vietnam 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 8.70, based on 1,496 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. Joint Stock Commercial Bank for Foreign Trade of Vietnam's current 3-Year Book Growth Rate of 18.30% is 110.3% 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 Joint Stock Commercial Bank for Foreign Trade of Vietnam and its competitors. For the Banks industry, the median 3-Year Book Growth Rate is 8.70 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Joint Stock Commercial Bank for Foreign Trade of Vietnam's current 3-Year Book Growth Rate is 18.30%, which is near 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 Joint Stock Commercial Bank for Foreign Trade of Vietnam stock overvalued right now?
Based on GuruFocus' analysis, Joint Stock Commercial Bank for Foreign Trade of Vietnam (STC:VCB) is currently considered Modestly Undervalued. The stock's GF Value™ is ₫70,924.15, compared to a current price of ₫59,000.00 — trading 16.8% below its estimated fair value. The current 3-Year Book Growth Rate is 18.30%, which is near median its 10-year median of 18.30 and 110.3% above the Banks industry median of 8.70. Joint Stock Commercial Bank for Foreign Trade of Vietnam's overall GF Score™ is 85/100 with 1 warning sign 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 Joint Stock Commercial Bank for Foreign Trade of Vietnam (STC:VCB), the current 3-Year Book Growth Rate is 18.30% 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 Joint Stock Commercial Bank for Foreign Trade of Vietnam (STC:VCB) Overvalued in 2026?
Based on GuruFocus' analysis, Joint Stock Commercial Bank for Foreign Trade of Vietnam stock appears to be undervalued.
The current stock price of ₫59,000.00 is trading 16.8% below its estimated GF Value™ of ₫70,924.15.
GuruFocus considers Joint Stock Commercial Bank for Foreign Trade of Vietnam to be Modestly Undervalued.
Key valuation signals for STC:VCB:
3-Year Book Growth Rate: 18.30% (near median its 10-year median of 18.30)
GF Value™: ₫70,924.15 vs. price of ₫59,000.00 (16.8% below fair value)
Industry Position: 110.3% above the Banks median (#194 of 1496)
No single metric tells the full story. See the STC:VCB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Joint Stock Commercial Bank for Foreign Trade of Vietnam is a a state-owned commercial bank. Its activities include selling gold bars; mobilizing and receiving short, medium and long-term deposits from organizations and individuals; lending to organizations and individuals up to the nature and capability of the bank's capital resources; conducting settlement and cash services; providing other banking services. Its personal banking services include Account Services, Digital Banking Services, Cards, Loans, Savings, Insurance, Investments, and Money Transfer Services. Institutional banking provides SME banking, and corporate banking.
85GF Score
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