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Sai Gon Ha Noi Commercial Joint Stock Bank (SHB) fair value: what the stock is really worth

As of Sep 24, 2026: fair value of Sai Gon Ha Noi Commercial Joint Stock Bank VND 18,584, price VND 11,600, upside +60.2%, quality 58 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? Yes
  2. Good quality? Yes
  3. Add to watchlist

Financial Services · VN · ISIN VN000000SHB9

SG Thin data Sep 24, 2026

Sai Gon Ha Noi Commercial Joint Stock Bank

SHB · VN

Clearly undervaluedStrong Fair Value upside, but quality is only moderate.

✓Fair value 18,584 VND · Strongly undervalued (+60%)
!Quality 58/100
✓Healthy Growth (revenue 5y +15.2 %/yr)
✓Highly profitable · 55.5% net margin (TTM)
✓generates free cash flow
✓Ranks above peers (12/12)
✓Wide moat 72/100
!Evidence only low, so the estimate is less certain
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

18,776 VND 5,130 VND Fair Value 18,584 VND Oct 2021 Sep 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.

How to read this chart

59‑month range 5,130 VND – 18,776 VND · fair‑value band 14,206 VND – 32,698 VND · the 11,600 VND price screens below the 18,584 VND fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 2026.

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Company profile

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.

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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, and WU money receipt; mobile, online, phone, and SMS banking; consumer, car, home, business, agricultural product, remittances, and promotion, as well as loans mortgaged with valuable paper; business overdraft; and bill collection services. It also provides short-, medium-, and long-term deposits; foreign currency transactions; discounting; factoring; shipment financing; asset preservation, including rental of lockers and safes; bancassurance; and interest lending transactions. The company offers investment banking; debt and asset management; finance banking; deposit and account management; tax payment, warranty, payment, loan, advance payment refund, contract performance, and bid guarantees, as well as loan arrangement commitments; international settlement and trade finance services; forex trading and treasury services consisting of swaps, forwards, and spots; and investment and hedging services. It provides cash management services; banking and financial consultancy; management services; advisory services, as well as engaging in trade of negotiable instruments and bonds; the provision of money brokerage services; and issuing certificates of deposit, promissory notes, and treasury bills and bonds. The company was formerly known as Nhon Ai Rural Commercial Joint Stock Bank and changed its name to Saigon - Hanoi Commercial Joint Stock Bank in September 2009. Saigon - Hanoi Commercial Joint Stock Bank was founded in 1993 and is headquartered in Hanoi, Vietnam.

Stock analysis

Sai Gon Ha Noi Commercial Joint Stock Bank (SHB) currently trades at 11,600 VND, while our model-based Fair Value estimate is 18,584 VND, implying the stock looks roughly 37.6% undervalued today.

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Valuation

Bull case: the Economic Profit group reads highest at a median of 22,089 VND per share, and 3 of the 6 models we run sit above the 11,600 VND price.

Bear case: the Dividend Discount group reads lowest at 6,517 VND, and 3 of the 6 models stay below the price. Evidence for this calculation is low.

Scenario range: 14,206 VND (bear) to 32,698 VND (bull), the price of 11,600 VND sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 58/100 (solid quality), in the Financial Services sector.

Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.

Sai Gon Ha Noi Commercial Joint Stock Bank reported revenue of 24.8T VND in FY2025 versus 17.8T VND in FY2021, a compound +8.6%/yr. Reported net income was 12.0T VND in FY2025, compounding +24.3%/yr from FY2021.

Key figures

Market cap 61.4T VND · P/E ratio 4.4 · P/S ratio 2.15 · EPS (TTM) 2,612 VND · Dividend yield 3.3% · Net margin 48.3% · Return on equity 18.3% · Return on assets 1.4%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 48 out of 100 (low confidence).

What moves the price

The share trades about 35% below its 52-week high and 4% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −38% fair-value upside, at 60%, SHB screens cheaper than that median.

Fair Value models

Bear 14,206 VND Fair Value 18,584 VND Bull 32,698 VND
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then (1,918 VND per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Highest evidence
Gordon GGM 3,784 VND 7,541 VND 11,419 VND 67
DDM Multi-Stage 3,784 VND 6,517 VND 7,960 VND 67
Residual Income 16,323 VND 22,089 VND 79,415 VND 64
All 6 models by family
Dividend Discount
Gordon GGM 3,784 VND 7,541 VND 11,419 VND 67
DDM Multi-Stage 3,784 VND 6,517 VND 7,960 VND 67
Multiples
P/E Multiple 24,975 VND 33,300 VND 41,625 VND 63
P/B Multiple 15,321 VND 20,428 VND 25,535 VND 55
Asset-Based
NCAV (Graham) 7,296 VND 9,776 VND 14,592 VND 51
Economic Profit
Residual Income 16,323 VND 22,089 VND 79,415 VND 64

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Quality Score breakdown

Overall quality 58/100

Of which business quality 59 · Market factors (momentum, volatility) 33

Profitability 48
Margins and returns on capital today
Quality Growth 46
Are margins and returns improving?
Cashflow 100
Earnings quality: real cash, not paper profit
Fin. Strength 61
Balance sheet, leverage, solvency risk
Investment 43
Disciplined investing over empire-building
Low Volatility 87
Calm price path (market factor)
Momentum 15
Price trend over the last 3–12 months (market factor)
52W Momentum 3
Distance to the 52-week high (market factor)
Net Issuance 40
Share count: buybacks or dilution?

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Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 100/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+6.5%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+9.7%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+15.2%
Start year 2020 (pandemic)
Revenue growth 6 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+17.8%
What shareholders gained per year (last 5 years), in VND ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Measured in VND: this currency has depreciated against the euro and dollar over the long run, so part of the nominal rate is currency erosion that never reaches a EUR/USD investor.
+14.4%
Earnings growth per share plus dividend.
Earnings per share, growth per year+11.1%
Dividend (yield on the price)3.3%

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 1076 stocks

Beats the industry median on 12/12 measures
Overall it ranks above its industry peers.
Valuation
Quality Score 59 · Above median
Fair Value upside +59% · Top 25%
Profitability
Return on equity (TTM) 18% · Top 25%
Return on assets 1% · Top 25%
Net margin (TTM) 56% · Top 25%
Operating margin (TTM) 81% · Top 25%
Growth and dividend
Revenue growth 9% · Above median
Dividend yield (TTM) 3.3% · Above median

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (TTM) 4.4× · Cheapest 25%
P/B 0.90× · Cheaper than median
P/S (TTM) 2.80× · Cheaper than median
P/FCF 0.0× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)100 · sector 11
FUTURE (revenue growth)47 · sector 45
PAST (return on equity)73 · sector 41
HEALTH (low debt)0 · sector 85
DIVIDEND (yield)66 · sector 53

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value
DBS Group D05 77.69 SGD 40.48 SGD −48%
China Merchants Bank Co 3968 HK$51.25 HK$62.30 +22%
Intesa Sanpaolo S.p.A ISP €6.73 €4.04 −40%
HDFC Bank Limited HDFCBANK ₹737.25 ₹406.85 −45%
BNP Paribas SA BNP €101.30 €105.99 +5%
UniCredit S.p.A UCG €83.28 €77.62 −7%
Mizuho Financial Group MFG $10.87 $6.75 −38%
ICICI Bank Limited ICICIBANK ₹1,340 ₹616.16 −54%
The PNC Financial Services Group PNC $227.96 $159.52 −30%
Oversea-Chinese Banking Corporation O39 32.14 SGD 19.80 SGD −38%

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Sai Gon Ha Noi Commercial Joint Stock Bank · Fair Value
18,584 VND +38%Fair Value
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Cite: Fair Value Calculator (2026). "Sai Gon Ha Noi Commercial Joint Stock Bank Fair Value". https://www.fairvalue-calculator.com/stock/SHB

Frequently asked questions

Is Sai Gon Ha Noi Commercial Joint Stock Bank (SHB) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of 18,584 VND versus a price of 11,600 VND, about +60% upside (undervalued).
What is the fair value of SHB?
Our model-based fair value for Sai Gon Ha Noi Commercial Joint Stock Bank is 18,584 VND (as of Sep 24, 2026), built from audited fundamentals. The current price: 11,600 VND.
What is the quality score of SHB?
Sai Gon Ha Noi Commercial Joint Stock Bank has a Quality Score of 58/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Sai Gon Ha Noi Commercial Joint Stock Bank (SHB)?
Our model-based price target is the fair value of 18,584 VND (as of Sep 24, 2026) from 6 valuation models. Cautious scenario 14,206 VND, optimistic scenario 32,698 VND. It is a calculation from audited fundamentals, not an analyst target.
What is the Sai Gon Ha Noi Commercial Joint Stock Bank stock forecast for 2026?
Our models put fair value at 18,584 VND, about +60% upside versus a price of 11,600 VND (undervalued). Cautious scenario 14,206 VND, optimistic scenario 32,698 VND. The calculation is refreshed regularly with new filings.
What is the revenue of Sai Gon Ha Noi Commercial Joint Stock Bank (SHB)?
Sai Gon Ha Noi Commercial Joint Stock Bank reported trailing-twelve-month revenue of about 22.0T VND (latest available figure, as of Sep 24, 2026).
Does Sai Gon Ha Noi Commercial Joint Stock Bank pay a dividend?
Sai Gon Ha Noi Commercial Joint Stock Bank currently shows a dividend yield of about 3.28% relative to its recent price (as of Sep 24, 2026).
What is the intrinsic value of Sai Gon Ha Noi Commercial Joint Stock Bank (SHB)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Sai Gon Ha Noi Commercial Joint Stock Bank it is 18,584 VND per share (as of Sep 24, 2026), against a price of 11,600 VND. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Sai Gon Ha Noi Commercial Joint Stock Bank stock overvalued or undervalued in 2026?
As of Sep 24, 2026, SHB trades below its calculated fair value: price 11,600 VND, fair value 18,584 VND, a gap of about +60% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of SHB?
No. The price is what the market pays today (11,600 VND); the fair value is what the company's own numbers justify (18,584 VND). For Sai Gon Ha Noi Commercial Joint Stock Bank the two are 6,984 VND per share apart. That gap is exactly why we show both numbers side by side.
How much is Sai Gon Ha Noi Commercial Joint Stock Bank worth?
The market values Sai Gon Ha Noi Commercial Joint Stock Bank at about 61.4T VND (market capitalisation, as of Sep 24, 2026). Per share that is 11,600 VND; our models calculate a fair value of 18,584 VND per share.
What do the bullish and bearish scenarios say about SHB?
Our models span a range for Sai Gon Ha Noi Commercial Joint Stock Bank: cautious scenario 14,206 VND, base 18,584 VND, optimistic 32,698 VND per share (as of Sep 24, 2026, price 11,600 VND). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of SHB?
Sai Gon Ha Noi Commercial Joint Stock Bank trades at a price-to-earnings ratio of 4.4 (as of Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 18,584 VND is built from several models across several years. Other multiples: P/B 0.9, P/S 2.8.
How solid is the balance sheet of Sai Gon Ha Noi Commercial Joint Stock Bank (SHB)?
Balance-sheet figures for Sai Gon Ha Noi Commercial Joint Stock Bank (as of Sep 24, 2026): return on equity 18.3%. They feed the Quality Score of 58/100, which measures business quality independently of the share price.
How far is SHB from its 52-week high?
Sai Gon Ha Noi Commercial Joint Stock Bank trades at 11,600 VND, about 35% below its 52-week high of 17,938 VND and 4% above the low of 11,200 VND (as of Sep 24, 2026). Distance from the high says nothing about value: that is what the fair value of 18,584 VND is for.
Which stocks are comparable to Sai Gon Ha Noi Commercial Joint Stock Bank?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, Intesa Sanpaolo S.p.A, HDFC Bank Limited, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Sai Gon Ha Noi Commercial Joint Stock Bank stock attractive at the current price?
The data as of Sep 24, 2026: price 11,600 VND, calculated fair value 18,584 VND (+60%), Quality Score 58/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of SHB calculated?
We run Sai Gon Ha Noi Commercial Joint Stock Bank through 6 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of 18,584 VND, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.2 % above its aggregate fair value. Sai Gon Ha Noi Commercial Joint Stock Bank currently trades 60 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Sai Gon Ha Noi Commercial Joint Stock Bank (SHB)?
The closing price on Sep 24, 2026 was 11,600 VND. Our model-based fair value is 18,584 VND, about +60% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Sai Gon Ha Noi Commercial Joint Stock Bank right now?
The price is below even our cautious bear case (14,206 VND). The market is more pessimistic than our downside scenario. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. Solid quality (58/100) at a price below fair value, the discount is the argument here, not the business quality. A fairly wide model range (14,206 VND to 32,698 VND) leaves room in how you read the outcome.

Key figures of Sai Gon Ha Noi Commercial Joint Stock Bank

How large is the market capitalisation of Sai Gon Ha Noi Commercial Joint Stock Bank (SHB)?
The market capitalisation of Sai Gon Ha Noi Commercial Joint Stock Bank is 61.4T VND. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Sai Gon Ha Noi Commercial Joint Stock Bank (SHB)?
The price-to-sales ratio of Sai Gon Ha Noi Commercial Joint Stock Bank is 2.15 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Sai Gon Ha Noi Commercial Joint Stock Bank (SHB)?
Earnings per share at Sai Gon Ha Noi Commercial Joint Stock Bank are 2,612 VND (price ÷ EPS = P/E 4.4). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Sai Gon Ha Noi Commercial Joint Stock Bank (SHB)?
The dividend yield of Sai Gon Ha Noi Commercial Joint Stock Bank is 3.3% (payout 14.6%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Sai Gon Ha Noi Commercial Joint Stock Bank (SHB)?
The net margin of Sai Gon Ha Noi Commercial Joint Stock Bank is 48.3% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Sai Gon Ha Noi Commercial Joint Stock Bank (SHB)?
The return on equity (ROE) of Sai Gon Ha Noi Commercial Joint Stock Bank is 18.3% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the return on assets of Sai Gon Ha Noi Commercial Joint Stock Bank (SHB)?
The return on assets (ROA) of Sai Gon Ha Noi Commercial Joint Stock Bank is 1.4% (last twelve months). Profit relative to everything the company owns. Harder to inflate than return on equity because debt does not boost it.
What is the operating margin of Sai Gon Ha Noi Commercial Joint Stock Bank (SHB)?
The operating margin of Sai Gon Ha Noi Commercial Joint Stock Bank is 81.0% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Sai Gon Ha Noi Commercial Joint Stock Bank (SHB)?
Revenue at Sai Gon Ha Noi Commercial Joint Stock Bank is growing +9.4% versus a year earlier (3y avg +9.7%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Sai Gon Ha Noi Commercial Joint Stock Bank (SHB)?
Earnings per share at Sai Gon Ha Noi Commercial Joint Stock Bank are growing +6.6% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Sai Gon Ha Noi Commercial Joint Stock Bank (SHB) generate?
The free cash flow of Sai Gon Ha Noi Commercial Joint Stock Bank is 34.6T VND (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Sai Gon Ha Noi Commercial Joint Stock Bank (SHB) carry?
The net debt of Sai Gon Ha Noi Commercial Joint Stock Bank is 4.1T VND (fiscal year 2020, ≈ 0.1 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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