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.
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.
3-1 Month Momentum % is the total return of the stock from 3-month ago to 1-month ago. As of today (2026-07-30), Sai Gon - Hanoi Commercial Joint Stock Bank's 3-1 Month Momentum % is -6.87%.
STC:SHB's 3-1 Month Momentum % is ranked worse than 83.4% of 1578
companies
in the Banks industry
Industry Median: 2.635
vs STC:SHB: -6.87
Sai Gon - Hanoi Commercial Joint Stock Bank (STC:SHB) 3-1 Month Momentum % Explanation
Momentum investing is a trading strategy in which investors buy securities that are rising and sell before the prices start to go back down. The 3-1 Month Momentum % measures the total return to a stock over the past three months, but ignores the previous month.
The reason why the most recent month’s return dropped related to the short-term reversal effect associated with momentum. There is an academic finding that short-term momentum actually has a reversal effect, whereby the previous winners (measured over the past months) do poorly the next month, while the previous losers do well the next month. In order to eliminate the short-term reversal effect, the previous month return was not included in this calculation.
Sai Gon - Hanoi Commercial Joint Stock Bank 3-1 Month Momentum % Related Terms
Sai Gon - Hanoi Commercial Joint Stock Bank 3-1 Month Momentum % Competitor Comparison
For the Banks - Regional subindustry, Sai Gon - Hanoi Commercial Joint Stock Bank's 3-1 Month Momentum %, along with its competitors' market caps and 3-1 Month Momentum % 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 3-1 Month Momentum % vs Banks Industry
Sai Gon - Hanoi Commercial Joint Stock Bank (STC:SHB) 3-1 Month Momentum % Calculation
3-1 Month Momentum % is calculated as following:
3-1 Month Momentum %
=
( Price 1-month ago
/
Price 3-month ago
- 1 )
*
100 %
* 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.
Sai Gon - Hanoi Commercial Joint Stock Bank (STC:SHB) has a 3-1 Month Momentum % of -6.87% as of Jul. 30, 2026. 3-1 Month Momentum measures the total return of the stock from 3-month ago to 1-month ago. View historical data on Sai Gon - Hanoi Commercial Joint Stock Bank and its competitors. According to the industry distribution chart, Sai Gon - Hanoi Commercial Joint Stock Bank ranks #1316 out of 1578 companies in the Banks industry, placing it in the top 83.4%.
Is Sai Gon - Hanoi Commercial Joint Stock Bank's 3-1 Month Momentum % too high?
Sai Gon - Hanoi Commercial Joint Stock Bank's current 3-1 Month Momentum % is -6.87%. Based on the distribution chart, Sai Gon - Hanoi Commercial Joint Stock Bank ranks #1316 out of 1578 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Sai Gon - Hanoi Commercial Joint Stock Bank has a GF Score™ of 67/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Sai Gon - Hanoi Commercial Joint Stock Bank's 3-1 Month Momentum % compare to competitors?
According to the Banks industry distribution chart, Sai Gon - Hanoi Commercial Joint Stock Bank ranks #1316 out of 1578 companies for 3-1 Month Momentum %. This places Sai Gon - Hanoi Commercial Joint Stock Bank in the lower half of its industry. The industry median 3-1 Month Momentum % is 2.64. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-1 Month Momentum % for a Banks company?
The median 3-1 Month Momentum % among Banks companies is 2.64, based on 1,578 companies in the industry. Companies in the top quartile (top 25%) have a 3-1 Month Momentum % significantly above this median, while those in the bottom quartile fall well below. However, 3-1 Month Momentum % 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 3-1 Month Momentum % mean?
A high 3-1 Month Momentum % can signal that a stock is expensive relative to its fundamentals. 3-1 Month Momentum measures the total return of the stock from 3-month ago to 1-month ago. View historical data on Sai Gon - Hanoi Commercial Joint Stock Bank and its competitors. For the Banks industry, the median 3-1 Month Momentum % is 2.64 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sai Gon - Hanoi Commercial Joint Stock Bank's current 3-1 Month Momentum % is -6.87%. 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 Modestly Undervalued. The stock's GF Value™ is ₫14,428.12, compared to a current price of ₫11,750.00 — trading 18.6% below its estimated fair value. The current 3-1 Month Momentum % is -6.87%. Sai Gon - Hanoi Commercial Joint Stock Bank's overall GF Score™ is 67/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-1 Month Momentum % calculated?
3-1 Month Momentum % is calculated from a company's financial statements. For Sai Gon - Hanoi Commercial Joint Stock Bank (STC:SHB), the current 3-1 Month Momentum % is -6.87% as of Jul. 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 ₫11,750.00 is trading 18.6% below its estimated GF Value™ of ₫14,428.12.
GuruFocus considers Sai Gon - Hanoi Commercial Joint Stock Bank to be Modestly Undervalued.
Key valuation signals for STC:SHB:
3-1 Month Momentum %: -6.87%
GF Value™: ₫14,428.12 vs. price of ₫11,750.00 (18.6% 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.
67GF Score
Get the complete analysis for STC:SHB
3-1 Month Momentum % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
STC:SHB has been successfully added to your 
