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During the past 12 months, Vietnam International Commercial Joint Stock Bank's average EPS without NRI Growth Rate was -1.20% 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 7.80% 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 International Commercial Joint Stock Bank was 37.40% per year. The lowest was -4.70% per year. And the median was 13.10% per year.
Vietnam International Commercial Joint Stock Bank (STC:VIB) 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 International Commercial Joint Stock Bank 3-Year EPS without NRI Growth Rate Related Terms
Vietnam International Commercial Joint Stock Bank 3-Year EPS without NRI Growth Rate Competitor Comparison
For the Banks - Regional subindustry, Vietnam International 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 International Commercial Joint Stock Bank 3-Year EPS without NRI Growth Rate vs Banks Industry
Vietnam International 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?
Vietnam International Commercial Joint Stock Bank (STC:VIB) 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 Vietnam International Commercial Joint Stock Bank and its competitors. According to the industry distribution chart, Vietnam International Commercial Joint Stock Bank ranks #1127 out of 1409 companies in the Banks industry, placing it in the top 80%.
Is Vietnam International Commercial Joint Stock Bank's 3-Year EPS without NRI Growth Rate too high?
Vietnam International Commercial Joint Stock Bank's current 3-Year EPS without NRI Growth Rate is -4.70%. Based on the distribution chart, Vietnam International Commercial Joint Stock Bank ranks #1127 out of 1409 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Vietnam International Commercial Joint Stock Bank has a GF Score™ of 75/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Vietnam International Commercial Joint Stock Bank's 3-Year EPS without NRI Growth Rate compare to competitors?
According to the Banks industry distribution chart, Vietnam International Commercial Joint Stock Bank ranks #1127 out of 1409 companies for 3-Year EPS without NRI Growth Rate. This places Vietnam International Commercial Joint Stock Bank in the lower half of its industry. The industry median 3-Year EPS without NRI Growth Rate is 7.50. 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 1,409 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. 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 International 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 International Commercial Joint Stock Bank's current 3-Year EPS without NRI Growth Rate is -4.70%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Vietnam International Commercial Joint Stock Bank stock overvalued right now?
Based on GuruFocus' analysis, Vietnam International Commercial Joint Stock Bank (STC:VIB) is currently considered Modestly Undervalued. The stock's GF Value™ is ₫17,465.64, compared to a current price of ₫14,950.00 — trading 14.4% below its estimated fair value. The current 3-Year EPS without NRI Growth Rate is -4.70%. Vietnam International Commercial Joint Stock Bank's overall GF Score™ is 75/100 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 International Commercial Joint Stock Bank (STC:VIB), 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 Vietnam International Commercial Joint Stock Bank (STC:VIB) Overvalued in 2026?
Based on GuruFocus' analysis, Vietnam International Commercial Joint Stock Bank stock appears to be undervalued.
The current stock price of ₫14,950.00 is trading 14.4% below its estimated GF Value™ of ₫17,465.64.
GuruFocus considers Vietnam International Commercial Joint Stock Bank to be Modestly Undervalued.
Key valuation signals for STC:VIB:
3-Year EPS without NRI Growth Rate: -4.70%
GF Value™: ₫17,465.64 vs. price of ₫14,950.00 (14.4% below fair value)
No single metric tells the full story. See the STC:VIB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Vietnam International Commercial Joint Stock Bank is a joint stock commercial banks in Vietnam. The company's services includes credits, payment card, savings, car loans, home loans, consumer loans, insurance, digital banking, payment accounts, among others. It operates Domestically and Internationally as well.
75GF Score
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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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