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Data-driven stock valuation

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

As of Nov 6, 2026: fair value (intrinsic value) of Sai Gon Ha Noi Commercial Joint Stock Bank stock VND 16,748, price VND 10,750, upside +55.8%, quality 59 out of 100. Rating: strongly undervalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services VN · ISIN VN000000SHB9

SG Sai Gon Ha Noi Commercial Joint Stock Bank logo Thin data Nov 6, 2026

Sai Gon Ha Noi Commercial Joint Stock Bank

SHB · VN
Undervalued, but in a downtrend

The stock costs 36% less than our calculation considers fair.

Fair value 16,748 VND · Strongly undervalued (36%)
Healthy Growth (revenue 5y +20.2 %/yr in VND)
Highly profitable · 56.0% net margin (TTM)
Ranks above peers (11/12)
Costs just 4.3 times its yearly profit.
Quality 59/100
Wide moat 72/100 · thin data
Thin data
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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 16,748 VND Oct 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 6, 2026.

How to read this chart

60‑month range 5,130 VND – 18,776 VND · fair‑value band 13,648 VND – 24,533 VND · the 10,750 VND price screens below the 16,748 VND fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 6, 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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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 10,750 VND, while our model-based Fair Value estimate is 16,748 VND, implying the stock looks roughly 36% undervalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of 19,016 VND per share, and 3 of the 6 models we run sit above the 10,750 VND price.

Bear case: the Dividend Discount group reads lowest at 4,409 VND, and 3 of the 6 models stay below the price. Data coverage for this calculation is low.

Scenario range: 13,648 VND (bear) to 24,533 VND (bull), the price of 10,750 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 59/100 (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 50.2T VND (≈ $2.0B) Small · P/E ratio 4.3 · P/S ratio 2.31 · EPS (TTM) 2,478 VND · Dividend yield 4.0% · Net margin 56.0% · Return on equity 17.6% · Return on assets 1.4%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 72 out of 100 (low confidence).

What moves the price

The share trades about 37% below its 52-week high and 8% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −34% fair-value upside, at 56%, SHB screens cheaper than that median.

Fair Value models

Bear 13,648 VND Fair Value 16,748 VND Bull 24,533 VND
Price 10,750 VND · Upside +55.8%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then (2,111 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. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = 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.
Best data coverage
Residual Income 13,648 VND 16,748 VND 24,533 VND 75
Gordon GGM 2,826 VND 4,570 VND 5,782 VND 69
DDM Multi-Stage 2,826 VND 4,409 VND 4,931 VND 67
All 6 models by family
Dividend Discount
Gordon GGM 2,826 VND 4,570 VND 5,782 VND 69
DDM Multi-Stage 2,826 VND 4,409 VND 4,931 VND 67
Multiples
P/E Multiple 24,975 VND 33,300 VND 41,625 VND 63
P/B Multiple 14,262 VND 19,016 VND 23,770 VND 55
Asset-Based
NCAV (Graham) 6,791 VND 9,100 VND 13,583 VND 51
Economic Profit
Residual Income 13,648 VND 16,748 VND 24,533 VND 75

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Quality Score breakdown

Overall quality 59/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 48
How much profit the company makes from its sales and capital
Quality Growth 46
Are margins and returns getting better?
Cashflow 100
Do the profits arrive as real cash?
Financial strength 61
Debt, balance sheet and risk of trouble
Investment 43
Does it invest with discipline instead of growing at any price?
Low Volatility 86
How calm the share price moves, does not count
Price momentum 16
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 5
Distance to the 52-week high, does not count
New shares 40
Buys back shares or issues new ones?

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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 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.
+9.4%
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.
+20.2%
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.
+17.9%
Earnings growth per share plus dividend.
Earnings per share, growth per year+13.9%
Dividend (yield on the price)4.0%
Per share before 2025divided by the spin-off factor 1.13

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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 · 1000 stocks

Beats the industry median on 11/12 measures
Overall it ranks above its industry peers.
Valuation
Quality Score 59 · Above median
Fair Value upside +55.8% · Top 25%
Profitability
Return on equity (12 months) 17.6% · Top 25%
Return on assets 1.3% · Top 25%
Net margin (12 months) 56.0% · Top 25%
Operating margin (12 months) 78.2% · Top 25%
Growth and dividend
Revenue growth (quarter YoY) −4.0% · Bottom 25%
Dividend yield (12 months) 4.0% · Above median

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 4.3× · Cheapest 25%
P/B 0.74× · Cheapest 25%
P/S (12 months) 2.31× · Cheapest 25%
Price / free cash flow (fiscal year) 1.5× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)100 · sector 8
FUTURE (revenue growth)0 · sector 47
PAST (return on equity)70 · sector 43
HEALTH (low debt)0 · sector 85
DIVIDEND (yield)81 · 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 Compare
Postal Savings Bank of China Co 601658 ¥5.53 ¥7.59 +37% vs SHB
China Merchants Bank Co 600036 ¥42.88 ¥52.73 +23% vs SHB
BNP Paribas SA BNP €91.93 €106.01 +15% vs SHB
Intesa Sanpaolo S.p.A ISP €6.18 €4.49 −27% vs SHB
UniCredit S.p.A UCG €76.80 €50.44 −34% vs SHB
Oversea-Chinese Banking Corporation O39 27.73 SGD 18.20 SGD −34% vs SHB
Mizuho Financial Group MFG $9.39 $5.90 −37% vs SHB
DBS Group D05 69.72 SGD 40.39 SGD −42% vs SHB
HDFC Bank Limited HDFCBANK ₹788.25 ₹406.39 −48% vs SHB
ICICI Bank Limited ICICIBANK ₹1,571 ₹615.63 −61% vs SHB

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Sai Gon Ha Noi Commercial Joint Stock Bank: fair value per Fair Value Calculator

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 Nov 6, 2026, our model estimates a fair value of 16,748 VND versus a price of 10,750 VND, about +56% upside (undervalued).
What is the fair value of SHB?
Our model-based fair value for Sai Gon Ha Noi Commercial Joint Stock Bank is 16,748 VND (as of Nov 6, 2026), built from audited fundamentals. The current price: 10,750 VND.
What is the quality score of SHB?
Sai Gon Ha Noi Commercial Joint Stock Bank has a Quality Score of 59/100. 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 16,748 VND (as of Nov 6, 2026) from 6 valuation models. Cautious scenario 13,648 VND, optimistic scenario 24,533 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 16,748 VND, about +56% upside versus a price of 10,750 VND (undervalued). Cautious scenario 13,648 VND, optimistic scenario 24,533 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 21.7T VND (latest available figure, as of Nov 6, 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 4.03% relative to its recent price (as of Nov 6, 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 16,748 VND per share (as of Nov 6, 2026), against a price of 10,750 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 Nov 6, 2026, SHB trades below its calculated fair value: price 10,750 VND, fair value 16,748 VND, a gap of about +56% (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 (10,750 VND); the fair value is what the company's own numbers justify (16,748 VND). For Sai Gon Ha Noi Commercial Joint Stock Bank the two are 5,998 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 50.2T VND (market capitalisation, as of Nov 6, 2026). Per share that is 10,750 VND; our models calculate a fair value of 16,748 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 13,648 VND, base 16,748 VND, optimistic 24,533 VND per share (as of Nov 6, 2026, price 10,750 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 4.3 (as of Nov 6, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 16,748 VND is built from several models across several years. Other multiples: P/B 0.7, P/S 2.3.
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 Nov 6, 2026): return on equity 17.6%. They feed the Quality Score of 59/100, 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 10,750 VND, about 37% below its 52-week high of 17,100 VND and 8% above the low of 10,000 VND (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of 16,748 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 China Merchants Bank Co, DBS Group, UniCredit S.p.A, Intesa Sanpaolo S.p.A, 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 Nov 6, 2026: price 10,750 VND, calculated fair value 16,748 VND (+56%), Quality Score 59/100, 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 16,748 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 15.5% above its aggregate fair value. Sai Gon Ha Noi Commercial Joint Stock Bank currently trades 36% 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 Nov 6, 2026 was 10,750 VND. Our model-based fair value is 16,748 VND, about +56% 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 (13,648 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 (59/100) at a price below fair value, the discount is the argument here, not the business quality. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

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 50.2T VND (≈ $2.0B). 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 2.31 (last twelve months). 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 2,478 VND (price ÷ EPS = P/E 4.3). 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 4.0% (payout 17.5%). 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 56.0% (last twelve months). 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 17.6% (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 78.2% (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 −4.0% 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 −1.2% 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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