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During the past 12 months, Vietnam Maritime Commercial Joint Stock Bank's average EPS without NRI Growth Rate was 11.20% per year.
During the past 3 years, the average EPS without NRI Growth Rate was 7.70% per year.
During the past 5 years, the average EPS without NRI Growth Rate was 17.20% 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 7 years, the highest 3-Year average EPS without NRI Growth Rate of Vietnam Maritime Commercial Joint Stock Bank was 61.90% per year. The lowest was 7.70% per year. And the median was 19.05% per year.
Vietnam Maritime Commercial Joint Stock Bank (STC:MSB) 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.
Vietnam Maritime Commercial Joint Stock Bank 3-Year EPS without NRI Growth Rate Related Terms
Vietnam Maritime Commercial Joint Stock Bank 3-Year EPS without NRI Growth Rate Competitor Comparison
For the Banks - Regional subindustry, Vietnam Maritime 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.
Vietnam Maritime Commercial Joint Stock Bank 3-Year EPS without NRI Growth Rate vs Banks Industry
Vietnam Maritime 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 7.70% mean?
Vietnam Maritime Commercial Joint Stock Bank (STC:MSB) has a 3-Year EPS without NRI Growth Rate of 7.70% 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 Vietnam Maritime Commercial Joint Stock Bank and its competitors. This is 60% below median its historical median of 19.05. Over the past decade, Vietnam Maritime Commercial Joint Stock Bank's 3-Year EPS without NRI Growth Rate has ranged from 7.70 to 61.90. According to the industry distribution chart, Vietnam Maritime Commercial Joint Stock Bank ranks #698 out of 1412 companies in the Banks industry, placing it in the top 49.4%.
Is Vietnam Maritime Commercial Joint Stock Bank's 3-Year EPS without NRI Growth Rate too high?
Vietnam Maritime Commercial Joint Stock Bank's current 3-Year EPS without NRI Growth Rate of 7.70% is 60% below median its 10-year median of 19.05. Over the past 10 years, this metric has ranged from a low of 7.70 to a high of 61.90. The Banks industry median 3-Year EPS without NRI Growth Rate is 7.50. Vietnam Maritime Commercial Joint Stock Bank's value of 7.70% is 2.7% above this industry median. Based on the distribution chart, Vietnam Maritime Commercial Joint Stock Bank ranks #698 out of 1412 companies in the Banks industry, which is above the industry midpoint. Overall, Vietnam Maritime Commercial Joint Stock Bank has a GF Scoreâ„¢ of 62/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Vietnam Maritime Commercial Joint Stock Bank's 3-Year EPS without NRI Growth Rate compare to competitors?
According to the Banks industry distribution chart, Vietnam Maritime Commercial Joint Stock Bank ranks #698 out of 1412 companies for 3-Year EPS without NRI Growth Rate. This puts Vietnam Maritime Commercial Joint Stock Bank in the upper half of its industry. The industry median 3-Year EPS without NRI Growth Rate is 7.50. Vietnam Maritime Commercial Joint Stock Bank's value of 7.70% is 2.7% above this benchmark. Historically, Vietnam Maritime Commercial Joint Stock Bank's own 3-Year EPS without NRI Growth Rate has ranged from 7.70 to 61.90 over the past decade. While the company's 10-year median is 19.05 vs. the industry median of 7.50, Vietnam Maritime 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 7.50, 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. Vietnam Maritime Commercial Joint Stock Bank's current 3-Year EPS without NRI Growth Rate of 7.70% is 2.7% 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 Vietnam Maritime 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. Vietnam Maritime Commercial Joint Stock Bank's current 3-Year EPS without NRI Growth Rate is 7.70%, which is 60% below median its own 10-year median of 19.05. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Vietnam Maritime Commercial Joint Stock Bank stock overvalued right now?
Based on GuruFocus' analysis, Vietnam Maritime Commercial Joint Stock Bank (STC:MSB) is currently considered Significantly Overvalued. The stock's GF Value™ is ₫11,057.47, compared to a current price of ₫15,950.00 — trading 44.2% above its estimated fair value. The current 3-Year EPS without NRI Growth Rate is 7.70%, which is 60% below median its 10-year median of 19.05 and 2.7% above the Banks industry median of 7.50. Vietnam Maritime Commercial Joint Stock Bank's overall GF Score™ is 62/100 with 7 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 Vietnam Maritime Commercial Joint Stock Bank (STC:MSB), the current 3-Year EPS without NRI Growth Rate is 7.70% 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 Vietnam Maritime Commercial Joint Stock Bank (STC:MSB) Overvalued in 2026?
Based on GuruFocus' analysis, Vietnam Maritime Commercial Joint Stock Bank stock appears to be overvalued.
The current stock price of â‚«15,950.00 is trading 44.2% above its estimated GF Value™ of â‚«11,057.47.
GuruFocus considers Vietnam Maritime Commercial Joint Stock Bank to be Significantly Overvalued.
Key valuation signals for STC:MSB:
3-Year EPS without NRI Growth Rate: 7.70% (60% below median its 10-year median of 19.05)
GF Value™: â‚«11,057.47 vs. price of â‚«15,950.00 (44.2% above fair value)
Industry Position: 2.7% above the Banks median (#698 of 1412)
No single metric tells the full story. See the STC:MSB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Vietnam Maritime Commercial Joint Stock Bank is engaged in providing banking and related services including mobilizing and receiving short, medium and long-term deposits from organizations and individuals; making short, medium and long-term loans to organizations and individuals based on the nature and capability of the Bank's capital; conducting foreign exchange transactions; international trade finance services; discounting of commercial papers, bonds and other valuable papers; conducting payments and treasury services; performing capital contributions, share purchases, securities investments and other banking services. The company provides Savings, Retail Loan products, Insurance, Card Products, Payment services, E-Banking services, and other banking services.
62GF Score
Get the complete analysis for STC:MSB
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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