STC:SHB's 5-Year Yield-on-Cost % is ranked worse than 61.45% of 1253
companies
in the Banks industry
Industry Median: 3.89
vs STC:SHB: 3.25
Sai Gon - Hanoi Commercial Joint Stock Bank (STC:SHB) 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.
Sai Gon - Hanoi Commercial Joint Stock Bank 5-Year Yield-on-Cost % Related Terms
Sai Gon - Hanoi Commercial Joint Stock Bank 5-Year Yield-on-Cost % Competitor Comparison
For the Banks - Regional subindustry, Sai Gon - Hanoi Commercial Joint Stock Bank's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
Sai Gon - Hanoi Commercial Joint Stock 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.
Sai Gon - Hanoi Commercial Joint Stock Bank (STC:SHB) has a 5-Year Yield-on-Cost % of 3.25 as of Jul. 11, 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 Sai Gon - Hanoi Commercial Joint Stock Bank and its competitors. This is near median its historical median of 3.46. Over the past decade, Sai Gon - Hanoi Commercial Joint Stock Bank's 5-Year Yield-on-Cost % has ranged from 2.44 to 7.31. According to the industry distribution chart, Sai Gon - Hanoi Commercial Joint Stock Bank ranks #770 out of 1253 companies in the Banks industry, placing it in the top 61.5%.
Is Sai Gon - Hanoi Commercial Joint Stock Bank's 5-Year Yield-on-Cost % too high?
Sai Gon - Hanoi Commercial Joint Stock Bank's current 5-Year Yield-on-Cost % of 3.25 is near median its 10-year median of 3.46. Over the past 10 years, this metric has ranged from a low of 2.44 to a high of 7.31. The Banks industry median 5-Year Yield-on-Cost % is 3.89. Sai Gon - Hanoi Commercial Joint Stock Bank's value of 3.25 is 16.5% below this industry median. Based on the distribution chart, Sai Gon - Hanoi Commercial Joint Stock Bank ranks #770 out of 1253 companies in the Banks industry, which is below the industry midpoint. Overall, Sai Gon - Hanoi Commercial Joint Stock Bank has a GF Score™ of 68/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Sai Gon - Hanoi Commercial Joint Stock Bank's 5-Year Yield-on-Cost % compare to competitors?
According to the Banks industry distribution chart, Sai Gon - Hanoi Commercial Joint Stock Bank ranks #770 out of 1253 companies for 5-Year Yield-on-Cost %. This places Sai Gon - Hanoi Commercial Joint Stock Bank in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.89. Sai Gon - Hanoi Commercial Joint Stock Bank's value of 3.25 is 16.5% below this benchmark. Historically, Sai Gon - Hanoi Commercial Joint Stock Bank's own 5-Year Yield-on-Cost % has ranged from 2.44 to 7.31 over the past decade. While the company's 10-year median is 3.46 vs. the industry median of 3.89, Sai Gon - Hanoi Commercial Joint Stock Bank has consistently been below the industry average. 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 1,253 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. Sai Gon - Hanoi Commercial Joint Stock Bank's current 5-Year Yield-on-Cost % of 3.25 is 16.5% below the industry median. 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 Sai Gon - Hanoi Commercial Joint Stock 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. Sai Gon - Hanoi Commercial Joint Stock Bank's current 5-Year Yield-on-Cost % is 3.25, which is near median its own 10-year median of 3.46. 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 Fairly Valued. The stock's GF Value™ is ₫14,361.09, compared to a current price of ₫13,150.00 — trading 8.4% below its estimated fair value. The current 5-Year Yield-on-Cost % is 3.25, which is near median its 10-year median of 3.46 and 16.5% below the Banks industry median of 3.89. Sai Gon - Hanoi Commercial Joint Stock Bank's overall GF Score™ is 68/100 with 1 warning sign 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 Sai Gon - Hanoi Commercial Joint Stock Bank (STC:SHB), the current 5-Year Yield-on-Cost % is 3.25 as of Jul. 11, 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 ₫13,150.00 is trading 8.4% below its estimated GF Value™ of ₫14,361.09.
GuruFocus considers Sai Gon - Hanoi Commercial Joint Stock Bank to be Fairly Valued.
Key valuation signals for STC:SHB:
5-Year Yield-on-Cost %: 3.25 (near median its 10-year median of 3.46)
GF Value™: ₫14,361.09 vs. price of ₫13,150.00 (8.4% below fair value)
Industry Position: 16.5% below the Banks median (#770 of 1253)
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.
68GF Score
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5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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