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 account, 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 overdraft, and medium and long-term loans and credit facilities. The company has four reportable segments such as 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.

Financial Strength

6/10

Name	Current	Vs Industry	Vs History
Cash-To-Debt	2.22
Equity-to-Asset	0.08
Debt-to-Equity	1
Debt-to-EBITDA	N/A	N/A	N/A
Interest Coverage	N/A	N/A	N/A
Piotroski F-Score	6/9	0 1 2 3 4 5 6 7 8 9
Beneish M-Score	-2.68	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

6/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	8.7
	3-Year EPS without NRI Growth Rate	20.8
	3-Year Book Growth Rate	9.3

Momentum Rank

	Name	Current	Vs Industry		Vs History
	5-Day RSI	36.95
	9-Day RSI	39.91
	14-Day RSI	41.16
	6-1 Month Momentum %	7.55
	12-1 Month Momentum %	14

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	3-Year Average Share Buyback Ratio	-16.9
	Shareholder Yield %	11

Profitability Rank

9/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	35.02
	FCF Margin %	190.95
	ROE %	15.74
	ROA %	1.27
	Years of Profitability over Past 10-Year	10

GF Value Rank

10/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	5.4
	PE Ratio without NRI	5.4
	Shiller PE Ratio	9.57
	Price-to-Owner-Earnings	5.48
	PEG Ratio	0.3
	PS Ratio	1.89
	PB Ratio	0.8
	Price-to-Tangible-Book	0.88
	Price-to-Free-Cash-Flow	0.99
	Price-to-Operating-Cash-Flow	0.99
	EV-to-Revenue	-0.98
	EV-to-FCF	-0.52
	Price-to-Projected-FCF	0.19
	Price-to-DCF (Earnings Based)	0.17
	Price-to-DCF (FCF Based)	0.09
	Price-to-Peter-Lynch-Fair-Value	0.3
	Price-to-Graham-Number	0.46
	FCF Yield %	100.89
	Forward Rate of Return (Yacktman) %	51.61

Financials

Annual Quarterly TTM

STC:SHB's 30-Y Financials

AAPL

Income Statement Breakdown

Annual Quarterly

No Enough Data

AAPL

Balance Sheet Breakdown

Annual Quarterly

No Enough Data

AAPL

Cashflow Statement Breakdown

Annual Quarterly

No Enough Data

Historical Operating Revenue by Business Segment

Value % YoY

Historical Operating Revenue by Geographic Region

Value % YoY

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5-Step DuPont Analysis as of

Annual Quarterly

No Enough Data

Guru Trades

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Insider Trades

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Peter Lynch Chart

Y-axis scale:

Log Linear

Interactive Chart

Performance

Dividend

Log

Bar

Annualized Return %

Symbol	1 Week	1 Month	3 Months	6 Months	YTD	1 Year	3 Years	5 Years	10 Years

Total Annual Return %

Symbol	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015

Sai Gon - Hanoi Commercial Joint Stock Bank Executives

Details

GF Value: ₫12510.25

STC:SHB

Valuation Chart

Year:

Warning Signs

Warning! GuruFocus detected 5 Good signs with SHB. Try a 7-Day Free Trial to check it out.

Analyst Estimate

Annual Quarterly

Key Statistics

	Name	Value
	Revenue (TTM) (Mil ₫)	21,224,140
	EPS (TTM) (₫)	2054.058
	Beta	0
	Volatility %	27.68
	14-Day RSI	41.16
	14-Day ATR (₫)	261.661532
	20-Day SMA (₫)	11335
	12-1 Month Momentum %	14
	52-Week Range (₫)	9110.169491 - 13600
	Shares Outstanding (Mil)	3,618.9

Piotroski F-Score Details

Year:

	Component	Result
	Piotroski F-Score	6
	Positive ROA
	Positive CFROA
	Higher ROA yoy
	CFROA > ROA
	Lower Leverage yoy
	Higher Current Ratio yoy
	Less Shares Outstanding yoy
	Higher Gross Margin yoy
	Higher Asset Turnover yoy

Sai Gon - Hanoi Commercial Joint Stock Bank Filings

10-K10-QForm 4Others

	Filing Date	Document Date	Form
No Filing Data

Sai Gon - Hanoi Commercial Joint Stock Bank Stock Events

Financials Calendars

	Event	Date	Price(₫)
No Event Data

Sai Gon - Hanoi Commercial Joint Stock Bank Frequently Asked Questions

What is Sai Gon - Hanoi Commercial Joint Stock Bank(STC:SHB)'s stock price today?

The current price of STC:SHB is ₫11100.00. The 52 week high of STC:SHB is ₫13600.00 and 52 week low is ₫9110.17.

When is next earnings date of Sai Gon - Hanoi Commercial Joint Stock Bank(STC:SHB)?

The next earnings date of Sai Gon - Hanoi Commercial Joint Stock Bank(STC:SHB) is .

Does Sai Gon - Hanoi Commercial Joint Stock Bank(STC:SHB) pay dividends? If so, how much?

Sai Gon - Hanoi Commercial Joint Stock Bank(STC:SHB) does not pay dividend.

Press Release

	Subject	Date
No Press Release

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