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SGB
BanksNgân hàng Thương mại Cổ phần Sài Gòn Công thương
Ngân hàngNH
12.300
VND · Last close
Valuation Verdict
Overvalued
-120%Fair Value+120%
Intrinsic Value
8.574
Current
12.300
Gap
-30.3%
ModelPB ROE REGRESSION
Valuation Breakdown
NH→Bank
Classified as bank because company type is NH (commercial bank)
ModelP/B x ROE Regression
Intrinsic Value = Fair P/B x Book Value Per ShareEstimates fair value by finding the statistical relationship between how much investors pay for a bank's book value (P/B) and how efficiently it generates returns (ROE). A bank that earns more on its equity deserves a higher price-to-book multiple. We regress P/B against ROE, NIM, and cost efficiency across all listed Vietnamese banks to find where this bank should trade.
1
Model Inputs
Avg ROE→2.93%
Regression type→huber_multifactor
R²→0.6592
2
Valuation
Fair P/B
0.69x
x
BVPS
12.379
=
Intrinsic Value
8.574
Valuation Track Record
Retroactive intrinsic value vs actual close price — SGB
Earnings Quality
Fiscal year 2025
49
Weak
Accrual Quality
73Cash Conversion
100Margin Stability
16Revenue Quality
0Quantitative Scores
F-Score
4/9
Neutral
Sharpe
0.04
Positive
Composite
41
Weak
Price Risk
Momentum
+6.5%
Volatility
19.8%
Max Drawdown
-16.9%
Key Ratios
Fiscal year 2025
1.01P/B
P/E34.70
ROE2.9%
ROA0.4%
EPS358.73
BVPS12379.44
Net Margin17.0%
Rev Growth1.7%
Profit Growth53.5%
Div Yield0.0%
Company Overview
Issued Shares
360.8M
Charter Capital
3608.2B VND
Sector (ICB L2)
Ngân hàng
Industry (ICB L3)
Ngân hàng
Sub-industry
Ngân hàng
Company Type
NH
// OWNERSHIP_NETWORK
> mapping common ownership for SGB — hover nodes for intel, click to navigate
Computed 12/04/2026