Sai Gon - Hanoi Commercial Joint Stock Bank (STC:SHB) Defensive Interval Ratio

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

STC:SHB Sai Gon - Hanoi Commercial Joint Stock Bank STC:SHB
69 GF Score
Price ₫12,600.00
GF Value ₫14,371.67
Valuation Modestly Undervalued
! 1 Warning Sign
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What is Sai Gon - Hanoi Commercial Joint Stock Bank Defensive Interval Ratio?

STC:SHB
69GF Score
Sai Gon - Hanoi Commercial Joint Stock Bank STC:SHB
Defensive Interval Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
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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 ₫12,600.00 is trading 12.3% below its estimated GF Value™ of ₫14,371.67. GuruFocus considers Sai Gon - Hanoi Commercial Joint Stock Bank to be Modestly Undervalued.

Key valuation signals for STC:SHB:

  • Defensive Interval Ratio:
  • GF Value™: ₫14,371.67 vs. price of ₫12,600.00 (12.3% below fair value)
  • GF Score™: 69/100 with 1 warning sign

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

Address 77 Tran Hung Dao Street, Hoan Kiem District, Cua Nam Ward, Hanoi, VNM
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.
69GF Score

Get the complete analysis for STC:SHB

Defensive Interval Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₫12,600.00
Price
₫14,371.67
GF Value