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Graham Number is a figure that measures a stock's fundamental value by taking into account the company's earnings per share and book value per share. The Graham number is the upper bound of the price range that a defensive investor should pay for the stock. According to the theory, any stock price below the Graham number is considered undervalued, and thus worth investing in.
STC:BID's Price-to-Graham-Number is ranked better than 52.23% of 1436
companies
in the Banks industry
Industry Median: 0.81
vs STC:BID: 0.79
Graham Number is a combination of asset valuation and earnings power valuation. It is a very conservative way of valuing a stock.
Joint Stock Commercial Bank for Investment and Development of Vietnam (STC:BID) Graham Number Explanation
Ben Graham actually did not publish a formula like this. But he wrote in The Intelligent Investor (1948 version) regarding to the criteria for purchases:
Current price should not be more than 15 times average earnings of the past three years.
Current price should not be more than 1.5 times the book value last reported. However, a multiplier of earnings below 15 could justify a correspondingly higher multiplier of assets. As a rule of thumb we suggest that the product of the multiplier times the ratio of price to book value should not exceed 22.5. (This figure corresponds to 15 times earnings and 1.5 times book value. It would admit an issue selling at only 9 times earnings and 2.5 times asset value, etc.)
Unlike valuation methods such as DCF or Discounted Earnings, the Graham number does not take growth into the valuation. Unlike the valuation methods based on book value alone, it takes into account the earnings power. Therefore, the Graham Number is a combination of asset valuation and earnings power valuation.
In general, the Graham number is a very conservative way of valuing a stock. It cannot be applied to companies with negative book values.
Joint Stock Commercial Bank for Investment and Development of Vietnam's Price to Graham number Ratio for today is calculated as
Price to Graham number
=
Share Price (Today)
/
Graham number (Q: Mar. 2026 )
=
38800.00
/
49,218.60
=
0.79
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Be Aware
Please keep these in mind:
1. Graham Number does not take growth into account. Therefore it underestimates the values of the companies that have good earnings growth. We feel that if the earnings per share grows more than 10% a year, Graham Number underestimates the value.
2. Graham Number punishes the companies that have temporarily low earnings. Therefore, an average of earnings makes more sense in the calculation of Graham Number.
3. Graham Numbers underestimates companies that are light with book.
Joint Stock Commercial Bank for Investment and Development of Vietnam Graham Number Related Terms
Joint Stock Commercial Bank for Investment and Development of Vietnam Graham Number Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Joint Stock Commercial Bank for Investment and Development of Vietnam Graham Number Chart
Joint Stock Commercial Bank for Investment and Development of Vietnam Annual Data
* 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.
Joint Stock Commercial Bank for Investment and Development of Vietnam Price-to-Graham-Number vs Banks Industry
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Joint Stock Commercial Bank for Investment and Development of Vietnam (STC:BID) has a Graham Number of ₫49,218.60 as of Mar. 2026. The Graham Number values a company based on its per-share earnings and book value. View historical data on Joint Stock Commercial Bank for Investment and Development of Vietnam and its competitors. This is 4355528% above median its historical median of 1.13. Over the past decade, Joint Stock Commercial Bank for Investment and Development of Vietnam's Graham Number has ranged from 0.67 to 2.12. According to the industry distribution chart, Joint Stock Commercial Bank for Investment and Development of Vietnam ranks #686 out of 1436 companies in the Banks industry, placing it in the top 47.8%.
Is Joint Stock Commercial Bank for Investment and Development of Vietnam's Graham Number too high?
Joint Stock Commercial Bank for Investment and Development of Vietnam's current Graham Number of ₫49,218.60 is 4355528% above median its 10-year median of 1.13. Over the past 10 years, this metric has ranged from a low of 0.67 to a high of 2.12. Based on the distribution chart, Joint Stock Commercial Bank for Investment and Development of Vietnam ranks #686 out of 1436 companies in the Banks industry, which is above the industry midpoint. Overall, Joint Stock Commercial Bank for Investment and Development of Vietnam has a GF Score™ of 85/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Joint Stock Commercial Bank for Investment and Development of Vietnam's Graham Number compare to competitors?
According to the Banks industry distribution chart, Joint Stock Commercial Bank for Investment and Development of Vietnam ranks #686 out of 1436 companies for Graham Number. This puts Joint Stock Commercial Bank for Investment and Development of Vietnam in the upper half of its industry. The industry median Graham Number is 0.81. Historically, Joint Stock Commercial Bank for Investment and Development of Vietnam's own Graham Number has ranged from 0.67 to 2.12 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 Graham Number for a Banks company?
The median Graham Number among Banks companies is 0.81, based on 1,436 companies in the industry. Companies in the top quartile (top 25%) have a Graham Number significantly above this median, while those in the bottom quartile fall well below. However, Graham Number 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 Graham Number mean?
A high Graham Number can signal that a stock is expensive relative to its fundamentals. The Graham Number values a company based on its per-share earnings and book value. View historical data on Joint Stock Commercial Bank for Investment and Development of Vietnam and its competitors. For the Banks industry, the median Graham Number is 0.81 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Joint Stock Commercial Bank for Investment and Development of Vietnam's current Graham Number is ₫49,218.60, which is 4355528% above median its own 10-year median of 1.13. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Joint Stock Commercial Bank for Investment and Development of Vietnam stock overvalued right now?
Based on GuruFocus' analysis, Joint Stock Commercial Bank for Investment and Development of Vietnam (STC:BID) is currently considered Modestly Undervalued. The stock's GF Value™ is ₫47,509.84, compared to a current price of ₫38,800.00 — trading 18.3% below its estimated fair value. The current Graham Number is ₫49,218.60, which is 4355528% above median its 10-year median of 1.13. Joint Stock Commercial Bank for Investment and Development of Vietnam's overall GF Score™ is 85/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Graham Number calculated?
Graham Number is calculated from a company's financial statements. For Joint Stock Commercial Bank for Investment and Development of Vietnam (STC:BID), the current Graham Number is ₫49,218.60 as of Mar. 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 Joint Stock Commercial Bank for Investment and Development of Vietnam (STC:BID) Overvalued in 2026?
Based on GuruFocus' analysis, Joint Stock Commercial Bank for Investment and Development of Vietnam stock appears to be undervalued.
The current stock price of ₫38,800.00 is trading 18.3% below its estimated GF Value™ of ₫47,509.84.
GuruFocus considers Joint Stock Commercial Bank for Investment and Development of Vietnam to be Modestly Undervalued.
Key valuation signals for STC:BID:
Graham Number: ₫49,218.60 (4355528% above median its 10-year median of 1.13)
GF Value™: ₫47,509.84 vs. price of ₫38,800.00 (18.3% below fair value)
No single metric tells the full story. See the STC:BID stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Joint Stock Commercial Bank for Investment and Development of Vietnam Business Description
Joint Stock Commercial Bank for Investment and Development of Vietnam is one of the leading commercial banks based in Vietnam. It is a leading provider of products and modern banking services and utilities such as loans, deposits, savings and current account. Its secondary offerings include insurance products of all types such as life and non-life insurance. Its add on services include a variety of brokerage services, investment advice and contribution to established enterprises to invest various projects. The bank's distribution network spans predominantly across Vietnam and a few countries abroad such as Laos, Cambodia, Myanmar, Russia and Czech Republic.
85GF Score
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