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During the past 12 months, Asia Commercial Joint Stock Bank's average EPS without NRI Growth Rate was -7.60% per year.
During the past 3 years, the average EPS without NRI Growth Rate was 4.70% per year.
During the past 5 years, the average EPS without NRI Growth Rate was 16.70% per year.
During the past 10 years, the average EPS without NRI Growth Rate was 23.60% 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 13 years, the highest 3-Year average EPS without NRI Growth Rate of Asia Commercial Joint Stock Bank was 43.90% per year. The lowest was -38.90% per year. And the median was 15.70% per year.
Asia Commercial Joint Stock Bank (STC:ACB) 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.
Asia Commercial Joint Stock Bank 3-Year EPS without NRI Growth Rate Related Terms
Asia Commercial Joint Stock Bank 3-Year EPS without NRI Growth Rate Competitor Comparison
For the Banks - Regional subindustry, Asia 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.
Asia Commercial Joint Stock Bank 3-Year EPS without NRI Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, Asia Commercial Joint Stock Bank's 3-Year EPS without NRI Growth Rate distribution charts can be found below:
* The bar in red indicates where Asia Commercial Joint Stock Bank's 3-Year EPS without NRI Growth Rate falls into.
Asia 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 4.70% mean?
Asia Commercial Joint Stock Bank (STC:ACB) has a 3-Year EPS without NRI Growth Rate of 4.70% 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 Asia Commercial Joint Stock Bank and its competitors. This is 70% below median its historical median of 15.70. According to the industry distribution chart, Asia Commercial Joint Stock Bank ranks #809 out of 1408 companies in the Banks industry, placing it in the top 57.5%.
Is Asia Commercial Joint Stock Bank's 3-Year EPS without NRI Growth Rate too high?
Asia Commercial Joint Stock Bank's current 3-Year EPS without NRI Growth Rate of 4.70% is 70% below median its 10-year median of 15.70. The Banks industry median 3-Year EPS without NRI Growth Rate is 7.50. Asia Commercial Joint Stock Bank's value of 4.70% is 37.3% below this industry median. Based on the distribution chart, Asia Commercial Joint Stock Bank ranks #809 out of 1408 companies in the Banks industry, which is below the industry midpoint. Overall, Asia Commercial Joint Stock Bank has a GF Score™ of 72/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Asia Commercial Joint Stock Bank's 3-Year EPS without NRI Growth Rate compare to competitors?
According to the Banks industry distribution chart, Asia Commercial Joint Stock Bank ranks #809 out of 1408 companies for 3-Year EPS without NRI Growth Rate. This places Asia Commercial Joint Stock Bank in the lower half of its industry. The industry median 3-Year EPS without NRI Growth Rate is 7.50. Asia Commercial Joint Stock Bank's value of 4.70% is 37.3% below this benchmark. While the company's 10-year median is 15.70 vs. the industry median of 7.50, Asia Commercial Joint Stock Bank has consistently been below 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 7.50, based on 1,408 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. Asia Commercial Joint Stock Bank's current 3-Year EPS without NRI Growth Rate of 4.70% is 37.3% below 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 Asia Commercial Joint Stock Bank and its competitors. For the Banks industry, the median 3-Year EPS without NRI Growth Rate is 7.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Asia Commercial Joint Stock Bank's current 3-Year EPS without NRI Growth Rate is 4.70%, which is 70% below median its own 10-year median of 15.70. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Asia Commercial Joint Stock Bank stock overvalued right now?
Based on GuruFocus' analysis, Asia Commercial Joint Stock Bank (STC:ACB) is currently considered Fairly Valued. The stock's GF Value™ is ₫20,984.48, compared to a current price of ₫22,650.00 — trading 7.9% above its estimated fair value. The current 3-Year EPS without NRI Growth Rate is 4.70%, which is 70% below median its 10-year median of 15.70 and 37.3% below the Banks industry median of 7.50. Asia Commercial Joint Stock Bank's overall GF Score™ is 72/100 with 6 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 Asia Commercial Joint Stock Bank (STC:ACB), the current 3-Year EPS without NRI Growth Rate is 4.70% 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 Asia Commercial Joint Stock Bank (STC:ACB) Overvalued in 2026?
Based on GuruFocus' analysis, Asia Commercial Joint Stock Bank stock appears to be overvalued.
The current stock price of ₫22,650.00 is trading 7.9% above its estimated GF Value™ of ₫20,984.48.
GuruFocus considers Asia Commercial Joint Stock Bank to be Fairly Valued.
Key valuation signals for STC:ACB:
3-Year EPS without NRI Growth Rate: 4.70% (70% below median its 10-year median of 15.70)
GF Value™: ₫20,984.48 vs. price of ₫22,650.00 (7.9% above fair value)
Industry Position: 37.3% below the Banks median (#809 of 1408)
No single metric tells the full story. See the STC:ACB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Asia Commercial Joint Stock Bank and its subsidiaries (the Group) mobilise short, medium, and long-term funds, receive entrusted investment funds, borrow from financial institutions, grant loans, discount commercial papers and bonds, provide settlement services, trade foreign currencies and gold, offer trade finance, and perform approved overseas services. The Group also conducts debt factoring, bond trading, fiduciary activities, commodity derivatives, insurance agency, securities depository and clearing, finance leasing, securities trading and consultancy, corporate finance services, investment fund and asset management. Its segments are Banking, Securities trading, Asset management, Finance Leasing, and Fund Management, operating in the northern, central, and southern regions.
72GF Score
Get the complete analysis for STC:ACB
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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