SHB.VN Sai Gon Ha Noi Commercial Joint Stock Bank

Financial Services Banks - Regional Vietnam Stocks
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10,650 VND
Close of Oct 30, 2026
10,000 17,100
Market cap
VND 49.3T
P/E
4.4x
P/B
0.67x
ROE
19.4%
Dividend yield
4.08%
Fundamental score
3.8/5

Ratios use the latest price and the current fiscal year annualized from 2 quarters up to Jun 2026.

Is SHB.VN undervalued?

Graham number
Price10,650
Graham value29,471
Discount63.9%

SHB.VN trades 63.9% below its Graham number.

Graham number = √(22.5 × EPS × book value per share): the most a defensive investor should pay according to Benjamin Graham. An estimate, not a recommendation to buy or sell. How is it calculated?

Sai Gon Ha Noi Commercial Joint Stock Bank fundamental analysis

17 of 18 checks passed

ROE 1/2

Moderate return on equity (19.4%), between 10% and 20%.

ROA 1/1

Return on assets (1.5%) is above the industry median (1.4%).

Profit Consistency 2/2

Profitable for 7 consecutive years.

Earnings Growth 5Y 1/1

Earnings per share grew over the past 5 years.

Earnings Acceleration 1/1

Last year's EPS growth (28.3%) is above the 5-year average (5.4% a year).

Earnings Growth vs Industry 1/1

Last year's EPS growth (28.3%) is above the industry median (16.3%).

Revenue Growth 1/2

Revenue grew 9.7% a year over the past 3 years.

Leverage 1/2

Total assets are 12.8x equity, within a prudent level for a financial company.

Equity Growth 1/1

Shareholders' equity grew over the past 5 years.

PE vs Market 1/1

PE (4.4x) is below the market median (11.2x).

PE vs Industry 1/1

PE (4.4x) is below the industry median (7.8x).

PBV 1/1

Price to book (0.7x) is below the industry median (1.2x).

Graham Number 1/1

The price is below the Graham number (PE x PB = 2.9, limit 22.5).

PEG 1/1

PEG on 5-year earnings growth is 0.81, growth is cheap.

Dividend Yield 1/2

Dividend yield (4.1%) is above the bottom 25% of dividend payers in the market.

Dividend Stability 0/2

Dividends were not paid steadily for the past 5 years.

Dividend Growth 1/1

Dividends paid grew over the past 5 years.

Payout Ratio 1/1

Payout ratio is 16.8%, covered by earnings.

Each check is worth 1 or 2 points by how much it says about the quality of the company. The score is the share of points earned, out of 5. Ask AI to explain this score

Sai Gon Ha Noi Commercial Joint Stock Bank stock price

Prices on the chart can differ slightly from the closing prices StockSummer uses for its ratios.

About Sai Gon Ha Noi Commercial Joint Stock Bank

Saigon - Hanoi Commercial Joint Stock Bank, together with its subsidiaries, provides various banking products and services to individuals and organizations in Vietnam and internationally. It operates through the Credit, Investment, Services, and Treasury segments. The company offers demand, term, and savings deposits; sporting, securities, payment, and current accounts; debit and credit cards; card payment; VIP banking; international and domestic money transfer and receipt, …

Full company profile