STC:HDB's 5-Year Yield-on-Cost % is not ranked *
in the Banks industry.
Industry Median: 3.89 * Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
Ho Chi Minh City Development Joint Stock Commercial Bank (STC:HDB) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Ho Chi Minh City Development Joint Stock Commercial Bank 5-Year Yield-on-Cost % Related Terms
Ho Chi Minh City Development Joint Stock Commercial Bank 5-Year Yield-on-Cost % Competitor Comparison
* 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.
Ho Chi Minh City Development Joint Stock Commercial Bank 5-Year Yield-on-Cost % vs Banks Industry
Ho Chi Minh City Development Joint Stock Commercial Bank 5-Year Yield-on-Cost % Calculation
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Ho Chi Minh City Development Joint Stock Commercial Bank (STC:HDB) has a 5-Year Yield-on-Cost % of 0.00 as of Jul. 13, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Ho Chi Minh City Development Joint Stock Commercial Bank and its competitors. Over the past decade, Ho Chi Minh City Development Joint Stock Commercial Bank's 5-Year Yield-on-Cost % has ranged from 2.51 to 5.45. According to the industry distribution chart, Ho Chi Minh City Development Joint Stock Commercial Bank ranks #999999 out of 1258 companies in the Banks industry.
Is Ho Chi Minh City Development Joint Stock Commercial Bank's 5-Year Yield-on-Cost % too high?
Ho Chi Minh City Development Joint Stock Commercial Bank's current 5-Year Yield-on-Cost % is 0.00. Over the past 10 years, this metric has ranged from a low of 2.51 to a high of 5.45. Based on the distribution chart, Ho Chi Minh City Development Joint Stock Commercial Bank ranks #999999 out of 1258 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Ho Chi Minh City Development Joint Stock Commercial Bank has a GF Score™ of 74/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Ho Chi Minh City Development Joint Stock Commercial Bank's 5-Year Yield-on-Cost % compare to competitors?
According to the Banks industry distribution chart, Ho Chi Minh City Development Joint Stock Commercial Bank ranks #999999 out of 1258 companies for 5-Year Yield-on-Cost %. This places Ho Chi Minh City Development Joint Stock Commercial Bank in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.89. Historically, Ho Chi Minh City Development Joint Stock Commercial Bank's own 5-Year Yield-on-Cost % has ranged from 2.51 to 5.45 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.89, based on 1,258 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Ho Chi Minh City Development Joint Stock Commercial Bank and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.89 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Ho Chi Minh City Development Joint Stock Commercial Bank's current 5-Year Yield-on-Cost % is 0.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Ho Chi Minh City Development Joint Stock Commercial Bank stock overvalued right now?
Based on GuruFocus' analysis, Ho Chi Minh City Development Joint Stock Commercial Bank (STC:HDB) is currently considered Modestly Overvalued. The stock's GF Value™ is ₫23,816.54, compared to a current price of ₫27,000.00 — trading 13.4% above its estimated fair value. The current 5-Year Yield-on-Cost % is 0.00. Ho Chi Minh City Development Joint Stock Commercial Bank's overall GF Score™ is 74/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Ho Chi Minh City Development Joint Stock Commercial Bank (STC:HDB), the current 5-Year Yield-on-Cost % is 0.00 as of Jul. 13, 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 Ho Chi Minh City Development Joint Stock Commercial Bank (STC:HDB) Overvalued in 2026?
Based on GuruFocus' analysis, Ho Chi Minh City Development Joint Stock Commercial Bank stock appears to be overvalued.
The current stock price of ₫27,000.00 is trading 13.4% above its estimated GF Value™ of ₫23,816.54.
GuruFocus considers Ho Chi Minh City Development Joint Stock Commercial Bank to be Modestly Overvalued.
Key valuation signals for STC:HDB:
5-Year Yield-on-Cost %: 0.00
GF Value™: ₫23,816.54 vs. price of ₫27,000.00 (13.4% above fair value)
No single metric tells the full story. See the STC:HDB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Ho Chi Minh City Development Joint Stock Commercial Bank Business Description
Ho Chi Minh City Development Joint Stock Commercial Bank is a Vietnamese commercial bank providing personal and commercial banking services to retail customers, corporations, and investors.
74GF Score
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