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During the past 12 months, Bac A Commercial Joint Stock Bank's average EPS without NRI Growth Rate was 4.30% per year.
During the past 3 years, the average EPS without NRI Growth Rate was 12.70% per year.
During the past 5 years, the average EPS without NRI Growth Rate was 10.50% 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 EPS without NRI growth rate.
During the past 6 years, the highest 3-Year average EPS without NRI Growth Rate of Bac A Commercial Joint Stock Bank was 12.70% per year. The lowest was 5.10% per year. And the median was 8.10% per year.
Bac A Commercial Joint Stock Bank (HSTC:BAB) 3-Year EPS without NRI Growth Rate Explanation
EPS without NRI is the amount of earnings without non-recurring items per outstanding share of the company's stock.
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists Earnings per share without Non-Recurring Items, which better reflects the company's underlying performance.
Bac A Commercial Joint Stock Bank 3-Year EPS without NRI Growth Rate Related Terms
Bac A Commercial Joint Stock Bank 3-Year EPS without NRI Growth Rate Competitor Comparison
For the Banks - Regional subindustry, Bac A Commercial Joint Stock Bank's 3-Year EPS without NRI Growth Rate, along with its competitors' market caps and 3-Year EPS without NRI 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.
Bac A Commercial Joint Stock Bank 3-Year EPS without NRI Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, Bac A Commercial Joint Stock Bank's 3-Year EPS without NRI Growth Rate distribution charts can be found below:
* The bar in red indicates where Bac A Commercial Joint Stock Bank's 3-Year EPS without NRI Growth Rate falls into.
Bac A Commercial Joint Stock Bank 3-Year EPS without NRI Growth Rate Calculation
This is the 3-year average growth rate of EPS without NRI. 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 EPS without NRI growth rate.
What does a 3-Year EPS without NRI Growth Rate of 12.70% mean?
Bac A Commercial Joint Stock Bank (HSTC:BAB) has a 3-Year EPS without NRI Growth Rate of 12.70% as of Jun. 2026. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Bac A Commercial Joint Stock Bank and its competitors. This is 57% above median its historical median of 8.10. Over the past decade, Bac A Commercial Joint Stock Bank's 3-Year EPS without NRI Growth Rate has ranged from 5.10 to 12.70. According to the industry distribution chart, Bac A Commercial Joint Stock Bank ranks #525 out of 1402 companies in the Banks industry, placing it in the top 37.4%.
Is Bac A Commercial Joint Stock Bank's 3-Year EPS without NRI Growth Rate too high?
Bac A Commercial Joint Stock Bank's current 3-Year EPS without NRI Growth Rate of 12.70% is 57% above median its 10-year median of 8.10. Over the past 10 years, this metric has ranged from a low of 5.10 to a high of 12.70. The Banks industry median 3-Year EPS without NRI Growth Rate is 7.60. Bac A Commercial Joint Stock Bank's value of 12.70% is 67.1% above this industry median. Based on the distribution chart, Bac A Commercial Joint Stock Bank ranks #525 out of 1402 companies in the Banks industry, which is above the industry midpoint. Overall, Bac A Commercial Joint Stock Bank has a GF Score™ of 70/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Bac A Commercial Joint Stock Bank's 3-Year EPS without NRI Growth Rate compare to competitors?
According to the Banks industry distribution chart, Bac A Commercial Joint Stock Bank ranks #525 out of 1402 companies for 3-Year EPS without NRI Growth Rate. This puts Bac A Commercial Joint Stock Bank in the upper half of its industry. The industry median 3-Year EPS without NRI Growth Rate is 7.60. Bac A Commercial Joint Stock Bank's value of 12.70% is 67.1% above this benchmark. Historically, Bac A Commercial Joint Stock Bank's own 3-Year EPS without NRI Growth Rate has ranged from 5.10 to 12.70 over the past decade. While the company's 10-year median is 8.10 vs. the industry median of 7.60, Bac A 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 EPS without NRI Growth Rate for a Banks company?
The median 3-Year EPS without NRI Growth Rate among Banks companies is 7.60, based on 1,402 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EPS without NRI Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EPS without NRI Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bac A Commercial Joint Stock Bank's current 3-Year EPS without NRI Growth Rate of 12.70% is 67.1% 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 EPS without NRI Growth Rate mean?
A high 3-Year EPS without NRI Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Bac A Commercial Joint Stock Bank and its competitors. For the Banks industry, the median 3-Year EPS without NRI Growth Rate is 7.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bac A Commercial Joint Stock Bank's current 3-Year EPS without NRI Growth Rate is 12.70%, which is 57% above median its own 10-year median of 8.10. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bac A Commercial Joint Stock Bank stock overvalued right now?
Based on GuruFocus' analysis, Bac A Commercial Joint Stock Bank (HSTC:BAB) is currently considered Modestly Undervalued. The stock's GF Value™ is ₫12,798.55, compared to a current price of ₫10,500.00 — trading 18% below its estimated fair value. The current 3-Year EPS without NRI Growth Rate is 12.70%, which is 57% above median its 10-year median of 8.10 and 67.1% above the Banks industry median of 7.60. Bac A Commercial Joint Stock Bank's overall GF Score™ is 70/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year EPS without NRI Growth Rate calculated?
3-Year EPS without NRI Growth Rate is calculated from a company's financial statements. For Bac A Commercial Joint Stock Bank (HSTC:BAB), the current 3-Year EPS without NRI Growth Rate is 12.70% 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 Bac A Commercial Joint Stock Bank (HSTC:BAB) Overvalued in 2026?
Based on GuruFocus' analysis, Bac A Commercial Joint Stock Bank stock appears to be undervalued.
The current stock price of ₫10,500.00 is trading 18% below its estimated GF Value™ of ₫12,798.55.
GuruFocus considers Bac A Commercial Joint Stock Bank to be Modestly Undervalued.
Key valuation signals for HSTC:BAB:
3-Year EPS without NRI Growth Rate: 12.70% (57% above median its 10-year median of 8.10)
GF Value™: ₫12,798.55 vs. price of ₫10,500.00 (18% below fair value)
Industry Position: 67.1% above the Banks median (#525 of 1402)
No single metric tells the full story. See the HSTC:BAB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Bac A Commercial Joint Stock Bank provides banking services like commercial banking products and services-including deposits, loans, and, international payments-to individual and institutional clients, with a specialized focus on investing in high-tech agriculture, health, and education sectors. The company's services include Guarantee service; Payment deposit; Trade finance; Insurance; Overseas and domestic fast money transfers and others.
70GF Score
Get the complete analysis for HSTC:BAB
3-Year EPS without NRI Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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