During the past 12 months, Sai Gon - Hanoi Commercial Joint Stock Bank's average Book Value Per Share Growth Rate was 16.70% 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 book value growth rate using book value per share data.
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 stock PB Ratio (=0.86) is close to 1-year low of 0.86.
Sai Gon - Hanoi Commercial Joint Stock Bank (STC:SHB) Book Value per Share Explanation
Usually a company's book value and Tangible Book per Share may not reflect its true value. The assets may be carried on the balance sheets at the original cost minus depreciation. This may underestimate the true economic values of the assets. It also may over-estimate their true economic value because the assets can become obsolete.
For financial companies such as banks and insurance companies, their assets may be reported in current market value of the assets owned. Book values of financial companies are more accurate indicator of the economic value of the company.
Sai Gon - Hanoi Commercial Joint Stock Bank Book Value per Share Related Terms
Sai Gon - Hanoi Commercial Joint Stock Bank Book Value per Share Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Sai Gon - Hanoi Commercial Joint Stock Bank Book Value per Share Chart
Sai Gon - Hanoi Commercial Joint Stock Bank Annual Data
Sai Gon - Hanoi Commercial Joint Stock Bank Book Value per Share Competitor Comparison
For the Banks - Regional subindustry, Sai Gon - Hanoi Commercial Joint Stock Bank's PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Banks Industry
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
What does a Book Value per Share of ₫15,361.04 mean?
Sai Gon - Hanoi Commercial Joint Stock Bank (STC:SHB) has a Book Value per Share of ₫15,361.04 as of Mar. 2026. Book value per share gives the per-share value of a company's stockholder equity. View historical data on Sai Gon - Hanoi Commercial Joint Stock Bank and its competitors.
Is Sai Gon - Hanoi Commercial Joint Stock Bank's Book Value per Share too high?
Sai Gon - Hanoi Commercial Joint Stock Bank's current Book Value per Share is ₫15,361.04. Overall, Sai Gon - Hanoi Commercial Joint Stock Bank has a GF Score™ of 68/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Sai Gon - Hanoi Commercial Joint Stock Bank's Book Value per Share compare to competitors?
Sai Gon - Hanoi Commercial Joint Stock Bank's Book Value per Share of ₫15,361.04 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Book Value per Share for a Banks company?
A good Book Value per Share depends on the Banks industry context. However, Book Value per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Book Value per Share mean?
A high Book Value per Share can signal that a stock is expensive relative to its fundamentals. Book value per share gives the per-share value of a company's stockholder equity. View historical data on Sai Gon - Hanoi Commercial Joint Stock Bank and its competitors. Sai Gon - Hanoi Commercial Joint Stock Bank's current Book Value per Share is ₫15,361.04. 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 Fairly Valued. The stock's GF Value™ is ₫14,361.09, compared to a current price of ₫13,150.00 — trading 8.4% below its estimated fair value. The current Book Value per Share is ₫15,361.04. Sai Gon - Hanoi Commercial Joint Stock Bank's overall GF Score™ is 68/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Book Value per Share calculated?
Book Value per Share is calculated from a company's financial statements. For Sai Gon - Hanoi Commercial Joint Stock Bank (STC:SHB), the current Book Value per Share is ₫15,361.04 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 ₫13,150.00 is trading 8.4% below its estimated GF Value™ of ₫14,361.09.
GuruFocus considers Sai Gon - Hanoi Commercial Joint Stock Bank to be Fairly Valued.
Key valuation signals for STC:SHB:
Book Value per Share: ₫15,361.04
GF Value™: ₫14,361.09 vs. price of ₫13,150.00 (8.4% below fair value)
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 Business Description
Sai Gon - Hanoi Commercial Joint Stock Bank is a Vietnam-based banking corporation. It offers various banking services to its customers, including retail banking, corporate banking, and other banking-related services. Its products and services include savings, current accounts, money transfer services, E-banking, guarantee service, and forex trading and treasury services. It also provides credit in the form of car loans, rubber loans, agricultural product loans, business overdrafts, and medium and long-term loans and credit facilities. The company operates in four reportable segments: credit, investment, services, and treasury. The primary source of its revenue is interest income, commission, and fees received by providing advisory and financial services to the customer.
68GF Score
Get the complete analysis for STC:SHB
Book Value per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
STC:SHB has been successfully added to your 
