Sai Gon - Hanoi Commercial Joint Stock Bank (STC:SHB) Moat Score: 0/10 (As of Jun. 30, 2026)


STC:SHB Sai Gon - Hanoi Commercial Joint Stock Bank STC:SHB
68 GF Score
Price ₫13,600.00
GF Value ₫14,308.17
Valuation Fairly Valued
! 1 Warning Sign
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What is Sai Gon - Hanoi Commercial Joint Stock Bank Moat Score?

Sai Gon - Hanoi Commercial Joint Stock Bank has the Moat Score of 0, which implies that the company might have No Moat - No discernible moat.

Sai Gon - Hanoi Commercial Joint Stock Bank has

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Sai Gon - Hanoi Commercial Joint Stock Bank might have No Moat - No discernible moat.

Sai Gon - Hanoi Commercial Joint Stock Bank  (STC:SHB) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Sai Gon - Hanoi Commercial Joint Stock Bank Moat Score Related Terms

STC:SHB
68GF Score
Sai Gon - Hanoi Commercial Joint Stock Bank STC:SHB
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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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:

  • Moat Score: 0
  • GF Value™: ₫14,308.17 vs. price of ₫13,600.00 (4.9% below fair value)
  • GF Score™: 68/100 with 1 warning sign

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.
68GF Score

Get the complete analysis for STC:SHB

Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₫13,600.00
Price
₫14,308.17
GF Value