Sai Gon - Hanoi Commercial Joint Stock Bank has the GF Score of 68, which implies that the company
might have
Poor future performance potential.
The GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation, which has been found to be closely correlated to the long-term performances of stocks by backtesting from 2006 to 2021. The stocks with a higher GF Score generally generate higher returns than those with lower GF Scores. Therefore, when picking stocks, investors should invest in companies with high GF Scores. The GF Score ranges from 0 to 100, with 100 as the highest rank.
GF Score takes following five key aspects into consideration:
Each one of these components is ranked and the ranks also have positive correlation with the long term performances of stocks. The GF score is calculated using the five key aspects of analysis. Through backtesting, we know that each of these key aspects has a different impact on the stock price performance. Thus, they are weighted differently when calculating the total score. The Profitability Rank and the Growth Rank are weighted fully, while other parameters have less weight.
Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.
Sai Gon - Hanoi Commercial Joint Stock Bank (STC:SHB) GF Score Explanation
Based on the historical long-term performances among five valuation aspects, the GF Score is found to be closely correlated to the long-term performances of stocks. It ranges from 0 to 100, with 100 as the highest. GuruFocus divided GF Score into following 5 categories:
GF Score
Performance Potential and All-in-One Screener Examples (1)
(1) These are some simple examples. You can access our GF Score filter under All-in-One Screener’s Fundamental tab.
Sai Gon - Hanoi Commercial Joint Stock Bank GF Score Related Terms
Sai Gon - Hanoi Commercial Joint Stock Bank GF Score Competitor Comparison
For the Banks - Regional subindustry, Sai Gon - Hanoi Commercial Joint Stock Bank's GF Score, along with its competitors' market caps and GF Score 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.
Sai Gon - Hanoi Commercial Joint Stock Bank GF Score vs Banks Industry
Sai Gon - Hanoi Commercial Joint Stock Bank (STC:SHB) has a GF Score of 68 as of Jun. 30, 2026. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on Sai Gon - Hanoi Commercial Joint Stock Bank and its competitors. This is near median its historical median of 70.00. Over the past decade, Sai Gon - Hanoi Commercial Joint Stock Bank's GF Score has ranged from 11.00 to 88.00.
Is Sai Gon - Hanoi Commercial Joint Stock Bank's GF Score too high?
Sai Gon - Hanoi Commercial Joint Stock Bank's current GF Score of 68 is near median its 10-year median of 70.00. Over the past 10 years, this metric has ranged from a low of 11.00 to a high of 88.00. Overall, Sai Gon - Hanoi Commercial Joint Stock Bank has a GF Score™ of 68/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Sai Gon - Hanoi Commercial Joint Stock Bank's GF Score compare to competitors?
Sai Gon - Hanoi Commercial Joint Stock Bank's GF Score of 68 can be compared against companies in the Banks industry. Historically, Sai Gon - Hanoi Commercial Joint Stock Bank's own GF Score has ranged from 11.00 to 88.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good GF Score for a Banks company?
A good GF Score depends on the Banks industry context. However, GF Score 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 GF Score mean?
A high GF Score can signal that a stock is expensive relative to its fundamentals. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on Sai Gon - Hanoi Commercial Joint Stock Bank and its competitors. Sai Gon - Hanoi Commercial Joint Stock Bank's current GF Score is 68, which is near median its own 10-year median of 70.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Sai Gon - Hanoi Commercial Joint Stock Bank stock overvalued right now?
Based on GuruFocus' analysis, Sai Gon - Hanoi Commercial Joint Stock Bank (STC:SHB) is currently considered Fairly Valued. The stock's GF Value™ is ₫14,308.17, compared to a current price of ₫13,600.00 — trading 4.9% below its estimated fair value. The current GF Score is 68, which is near median its 10-year median of 70.00. Sai Gon - Hanoi Commercial Joint Stock Bank's overall GF Score™ is 68/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is GF Score calculated?
GF Score is calculated from a company's financial statements. For Sai Gon - Hanoi Commercial Joint Stock Bank (STC:SHB), the current GF Score is 68 as of Jun. 30, 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 Sai Gon - Hanoi Commercial Joint Stock Bank (STC:SHB) Overvalued in 2026?
Based on GuruFocus' analysis, Sai Gon - Hanoi Commercial Joint Stock Bank stock appears to be undervalued.
The current stock price of ₫13,600.00 is trading 4.9% below its estimated GF Value™ of ₫14,308.17.
GuruFocus considers Sai Gon - Hanoi Commercial Joint Stock Bank to be Fairly Valued.
Key valuation signals for STC:SHB:
GF Score: 68 (near median its 10-year median of 70.00)
GF Value™: ₫14,308.17 vs. price of ₫13,600.00 (4.9% below fair value)
No single metric tells the full story. See the STC:SHB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Sai Gon - Hanoi Commercial Joint Stock Bank Business Description
Sai Gon - Hanoi Commercial Joint Stock Bank is a Vietnam-based banking corporation. It offers various banking services to its customers, including retail banking, corporate banking, and other banking-related services. Its products and services include savings, current accounts, money transfer services, E-banking, guarantee service, and forex trading and treasury services. It also provides credit in the form of car loans, rubber loans, agricultural product loans, business overdrafts, and medium and long-term loans and credit facilities. The company operates in four reportable segments: credit, investment, services, and treasury. The primary source of its revenue is interest income, commission, and fees received by providing advisory and financial services to the customer.
68GF Score
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