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During the past 12 months, Vietnam Technological and Commercial Joint Stock bank's average EPS without NRI Growth Rate was 26.90% 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 11.70% per year.
During the past 10 years, the average EPS without NRI Growth Rate was 23.20% 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 11 years, the highest 3-Year average EPS without NRI Growth Rate of Vietnam Technological and Commercial Joint Stock bank was 82.50% per year. The lowest was 5.20% per year. And the median was 14.35% per year.
Vietnam Technological and Commercial Joint Stock bank (STC:TCB) 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 Technological and Commercial Joint Stock bank 3-Year EPS without NRI Growth Rate Related Terms
Vietnam Technological and Commercial Joint Stock bank 3-Year EPS without NRI Growth Rate Competitor Comparison
For the Banks - Regional subindustry, Vietnam Technological and 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 Technological and Commercial Joint Stock bank 3-Year EPS without NRI Growth Rate vs Banks Industry
Vietnam Technological and 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 Technological and Commercial Joint Stock bank (STC:TCB) 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 Technological and Commercial Joint Stock bank and its competitors. This is 46% below median its historical median of 14.35. Over the past decade, Vietnam Technological and Commercial Joint Stock bank's 3-Year EPS without NRI Growth Rate has ranged from 5.20 to 82.50. According to the industry distribution chart, Vietnam Technological and Commercial Joint Stock bank ranks #693 out of 1402 companies in the Banks industry, placing it in the top 49.4%.
Is Vietnam Technological and Commercial Joint Stock bank's 3-Year EPS without NRI Growth Rate too high?
Vietnam Technological and Commercial Joint Stock bank's current 3-Year EPS without NRI Growth Rate of 7.70% is 46% below median its 10-year median of 14.35. Over the past 10 years, this metric has ranged from a low of 5.20 to a high of 82.50. The Banks industry median 3-Year EPS without NRI Growth Rate is 7.50. Vietnam Technological and Commercial Joint Stock bank's value of 7.70% is 2.7% above this industry median. Based on the distribution chart, Vietnam Technological and Commercial Joint Stock bank ranks #693 out of 1402 companies in the Banks industry, which is above the industry midpoint. Overall, Vietnam Technological and Commercial Joint Stock bank has a GF Score™ of 80/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Vietnam Technological and Commercial Joint Stock bank's 3-Year EPS without NRI Growth Rate compare to competitors?
According to the Banks industry distribution chart, Vietnam Technological and Commercial Joint Stock bank ranks #693 out of 1402 companies for 3-Year EPS without NRI Growth Rate. This puts Vietnam Technological and 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 Technological and Commercial Joint Stock bank's value of 7.70% is 2.7% above this benchmark. Historically, Vietnam Technological and Commercial Joint Stock bank's own 3-Year EPS without NRI Growth Rate has ranged from 5.20 to 82.50 over the past decade. While the company's 10-year median is 14.35 vs. the industry median of 7.50, Vietnam Technological and 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 1,402 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. Vietnam Technological and 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 Technological and 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 Technological and Commercial Joint Stock bank's current 3-Year EPS without NRI Growth Rate is 7.70%, which is 46% below median its own 10-year median of 14.35. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Vietnam Technological and Commercial Joint Stock bank stock overvalued right now?
Based on GuruFocus' analysis, Vietnam Technological and Commercial Joint Stock bank (STC:TCB) is currently considered Fairly Valued. The stock's GF Value™ is ₫33,223.14, compared to a current price of ₫31,950.00 — trading 3.8% below its estimated fair value. The current 3-Year EPS without NRI Growth Rate is 7.70%, which is 46% below median its 10-year median of 14.35 and 2.7% above the Banks industry median of 7.50. Vietnam Technological and Commercial Joint Stock bank's overall GF Score™ is 80/100 with 3 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 Technological and Commercial Joint Stock bank (STC:TCB), 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 Technological and Commercial Joint Stock bank (STC:TCB) Overvalued in 2026?
Based on GuruFocus' analysis, Vietnam Technological and Commercial Joint Stock bank stock appears to be undervalued.
The current stock price of ₫31,950.00 is trading 3.8% below its estimated GF Value™ of ₫33,223.14.
GuruFocus considers Vietnam Technological and Commercial Joint Stock bank to be Fairly Valued.
Key valuation signals for STC:TCB:
3-Year EPS without NRI Growth Rate: 7.70% (46% below median its 10-year median of 14.35)
GF Value™: ₫33,223.14 vs. price of ₫31,950.00 (3.8% below fair value)
Industry Position: 2.7% above the Banks median (#693 of 1402)
No single metric tells the full story. See the STC:TCB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Vietnam Technological and Commercial Joint Stock bank The principal activities of the Bank are mobilizing and receiving short, medium and long-term deposit funds from organizations and individuals; lending on short, medium and long-term basis; conducting settlement and cash services and other banking services as approved by the SBV; conducting investments in subsidiaries, associates, joint-ventures and other companies; conducting investments in bonds and dealing in foreign exchange as per regulations.
80GF Score
Get the complete analysis for STC:TCB
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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