Sai Gon - Hanoi Commercial Joint Stock Bank (STC:SHB) Margin of Safety % (DCF Dividends Based): N/A (As of Aug. 08, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

STC:SHB Sai Gon - Hanoi Commercial Joint Stock Bank STC:SHB
67 GF Score
Price ₫11,700.00
GF Value ₫13,799.79
Valuation Modestly Undervalued
! 4 Warning Signs
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What is Sai Gon - Hanoi Commercial Joint Stock Bank Margin of Safety % (DCF Dividends Based)?

Margin of Safety % (DCF Dividends Based) = (Intrinsic Value: DCF (Dividends Based) - Current Price) / Intrinsic Value: DCF (Dividends Based).

Note: Discounted Dividend model is only suitable for companies who have a consistant distribution history with more than 5 years. If the company's dividends does not remain steady over a long period, results may not be accurate due to the low consistency. The model is also only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, the data will not be stored into our database.

As of today (2026-08-08), Sai Gon - Hanoi Commercial Joint Stock Bank's Predictability Rank is 3-Stars. Sai Gon - Hanoi Commercial Joint Stock Bank's intrinsic value calculated from the Discounted Dividend model is ₫81347.07 and current share price is ₫11700.00. Consequently,

Sai Gon - Hanoi Commercial Joint Stock Bank's Margin of Safety % (DCF Dividends Based) using Discounted Dividend model is N/A.

Sai Gon - Hanoi Commercial Joint Stock Bank Margin of Safety % (DCF Dividends Based) Competitor Comparison

For the Banks - Regional subindustry, Sai Gon - Hanoi Commercial Joint Stock Bank's Margin of Safety % (DCF Dividends Based), along with its competitors' market caps and Margin of Safety % (DCF Dividends Based) 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 Margin of Safety % (DCF Dividends Based) vs Banks Industry

For the Banks industry and Financial Services sector, Sai Gon - Hanoi Commercial Joint Stock Bank's Margin of Safety % (DCF Dividends Based) distribution charts can be found below:

* The bar in red indicates where Sai Gon - Hanoi Commercial Joint Stock Bank's Margin of Safety % (DCF Dividends Based) falls into.


STC:SHB
67GF Score
Sai Gon - Hanoi Commercial Joint Stock Bank STC:SHB
Margin of Safety % (DCF Dividends Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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Sai Gon - Hanoi Commercial Joint Stock Bank Margin of Safety % (DCF Dividends Based) Calculation

Sai Gon - Hanoi Commercial Joint Stock Bank's Margin of Safety % (DCF Dividends Based) for today is calculated as

Margin of Safety % (DCF Dividends Based)=(Intrinsic Value: DCF (Dividends Based)-Current Price)/Intrinsic Value: DCF (Dividends Based)
=(0.00-11700.00)/0.00
=N/A

* 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.

The intrinsic value is calculated from the Discounted Dividend model with default parameters.

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 ₫11,700.00 is trading 15.2% below its estimated GF Value™ of ₫13,799.79. GuruFocus considers Sai Gon - Hanoi Commercial Joint Stock Bank to be Modestly Undervalued.

Key valuation signals for STC:SHB:

  • Margin of Safety % (DCF Dividends Based): N/A
  • GF Value™: ₫13,799.79 vs. price of ₫11,700.00 (15.2% below fair value)
  • GF Score™: 67/100 with 4 warning signs

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

Address 77 Tran Hung Dao Street, Hoan Kiem District, Cua Nam Ward, Hanoi, VNM
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.
67GF Score

Get the complete analysis for STC:SHB

Margin of Safety % (DCF Dividends Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₫11,700.00
Price
₫13,799.79
GF Value