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During the past 12 months, Loc Phat Vietnam Commercial Joint Stock Bank's average EPS without NRI Growth Rate was 13.80% per year.
During the past 3 years, the average EPS without NRI Growth Rate was 30.30% per year.
During the past 5 years, the average EPS without NRI Growth Rate was 41.00% 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 8 years, the highest 3-Year average EPS without NRI Growth Rate of Loc Phat Vietnam Commercial Joint Stock Bank was 44.60% per year. The lowest was 30.30% per year. And the median was 41.90% per year.
Loc Phat Vietnam Commercial Joint Stock Bank (STC:LPB) 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.
Loc Phat Vietnam Commercial Joint Stock Bank 3-Year EPS without NRI Growth Rate Related Terms
Loc Phat Vietnam Commercial Joint Stock Bank 3-Year EPS without NRI Growth Rate Competitor Comparison
For the Banks - Regional subindustry, Loc Phat Vietnam 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.
Loc Phat Vietnam Commercial Joint Stock Bank 3-Year EPS without NRI Growth Rate vs Banks Industry
Loc Phat Vietnam 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 30.30% mean?
Loc Phat Vietnam Commercial Joint Stock Bank (STC:LPB) has a 3-Year EPS without NRI Growth Rate of 30.30% 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 Loc Phat Vietnam Commercial Joint Stock Bank and its competitors. This is 28% below median its historical median of 41.90. Over the past decade, Loc Phat Vietnam Commercial Joint Stock Bank's 3-Year EPS without NRI Growth Rate has ranged from 30.30 to 44.60. According to the industry distribution chart, Loc Phat Vietnam Commercial Joint Stock Bank ranks #186 out of 1412 companies in the Banks industry, placing it in the top 13.2%.
Is Loc Phat Vietnam Commercial Joint Stock Bank's 3-Year EPS without NRI Growth Rate too high?
Loc Phat Vietnam Commercial Joint Stock Bank's current 3-Year EPS without NRI Growth Rate of 30.30% is 28% below median its 10-year median of 41.90. Over the past 10 years, this metric has ranged from a low of 30.30 to a high of 44.60. The Banks industry median 3-Year EPS without NRI Growth Rate is 7.30. Loc Phat Vietnam Commercial Joint Stock Bank's value of 30.30% is 315.1% above this industry median. Based on the distribution chart, Loc Phat Vietnam Commercial Joint Stock Bank ranks #186 out of 1412 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Loc Phat Vietnam Commercial Joint Stock Bank has a GF Score™ of 67/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Loc Phat Vietnam Commercial Joint Stock Bank's 3-Year EPS without NRI Growth Rate compare to competitors?
According to the Banks industry distribution chart, Loc Phat Vietnam Commercial Joint Stock Bank ranks #186 out of 1412 companies for 3-Year EPS without NRI Growth Rate. This places Loc Phat Vietnam Commercial Joint Stock Bank in the top 13% of its industry — outperforming the majority of peers. The industry median 3-Year EPS without NRI Growth Rate is 7.30. Loc Phat Vietnam Commercial Joint Stock Bank's value of 30.30% is 315.1% above this benchmark. Historically, Loc Phat Vietnam Commercial Joint Stock Bank's own 3-Year EPS without NRI Growth Rate has ranged from 30.30 to 44.60 over the past decade. While the company's 10-year median is 41.90 vs. the industry median of 7.30, Loc Phat Vietnam 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 7.30, based on 1,412 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. Loc Phat Vietnam Commercial Joint Stock Bank's current 3-Year EPS without NRI Growth Rate of 30.30% is 315.1% 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 Loc Phat Vietnam Commercial Joint Stock Bank and its competitors. For the Banks industry, the median 3-Year EPS without NRI Growth Rate is 7.30 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Loc Phat Vietnam Commercial Joint Stock Bank's current 3-Year EPS without NRI Growth Rate is 30.30%, which is 28% below median its own 10-year median of 41.90. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Loc Phat Vietnam Commercial Joint Stock Bank stock overvalued right now?
Based on GuruFocus' analysis, Loc Phat Vietnam Commercial Joint Stock Bank (STC:LPB) is currently considered Significantly Overvalued. The stock's GF Value™ is ₫37,357.75, compared to a current price of ₫53,800.00 — trading 44% above its estimated fair value. The current 3-Year EPS without NRI Growth Rate is 30.30%, which is 28% below median its 10-year median of 41.90 and 315.1% above the Banks industry median of 7.30. Loc Phat Vietnam Commercial Joint Stock Bank's overall GF Score™ is 67/100 with 4 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 Loc Phat Vietnam Commercial Joint Stock Bank (STC:LPB), the current 3-Year EPS without NRI Growth Rate is 30.30% 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 Loc Phat Vietnam Commercial Joint Stock Bank (STC:LPB) Overvalued in 2026?
Based on GuruFocus' analysis, Loc Phat Vietnam Commercial Joint Stock Bank stock appears to be overvalued.
The current stock price of â‚«53,800.00 is trading 44% above its estimated GF Value™ of â‚«37,357.75.
GuruFocus considers Loc Phat Vietnam Commercial Joint Stock Bank to be Significantly Overvalued.
Key valuation signals for STC:LPB:
3-Year EPS without NRI Growth Rate: 30.30% (28% below median its 10-year median of 41.90)
GF Value™: â‚«37,357.75 vs. price of â‚«53,800.00 (44% above fair value)
Industry Position: 315.1% above the Banks median (#186 of 1412)
No single metric tells the full story. See the STC:LPB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Loc Phat Vietnam Commercial Joint Stock Bank is a financial institution in Vietnam operating with the mission of providing comprehensive financial solutions for individual customers, businesses, and partners. Its offerings include Payment accounts, Cards, savings, loans, International money transfer, Insurance, and other services.
67GF Score
Get the complete analysis for STC:LPB
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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