Asia Commercial Joint Stock Bank (STC:ACB) Cyclically Adjusted Book per Share: ₫13,143.98 (As of Jun. 2026)

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STC:ACB Asia Commercial Joint Stock Bank STC:ACB
72 GF Score
Price ₫22,750.00
GF Value ₫20,938.37
Valuation Fairly Valued
! 6 Warning Signs
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What is Asia Commercial Joint Stock Bank Cyclically Adjusted Book per Share?

Asia Commercial Joint Stock Bank STC:ACB +3.64% 72 Cyclically Adjusted Book per Share is ₫13,143.98 as of Jun. 2026. GuruFocus rates STC:ACB with a GF Score™ of 72/100 and a GF Value™ of ₫20,938.37 (Fairly Valued). The stock has 6 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

Asia Commercial Joint Stock Bank's adjusted book value per share for the three months ended in Jun. 2026 was ₫17,110.148. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is ₫13,143.98 for the trailing ten years ended in Jun. 2026.

During the past 12 months, Asia Commercial Joint Stock Bank's average Cyclically Adjusted Book Growth Rate was 10.40% per year. During the past 3 years, the average Cyclically Adjusted Book Growth Rate was 8.00% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Book Growth Rate using Cyclically Adjusted Book per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Book Growth Rate of Asia Commercial Joint Stock Bank was 8.00% per year. The lowest was 7.40% per year. And the median was 7.70% per year.

As of today (2026-08-22), Asia Commercial Joint Stock Bank's current stock price is ₫22750.00. Asia Commercial Joint Stock Bank's Cyclically Adjusted Book per Share for the quarter that ended in Jun. 2026 was ₫13,143.98. Asia Commercial Joint Stock Bank's Cyclically Adjusted PB Ratio of today is 1.73.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Asia Commercial Joint Stock Bank was 2.19. The lowest was 1.12. And the median was 1.68.


Asia Commercial Joint Stock Bank  (STC:ACB) Cyclically Adjusted Book per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Book per Share may underestimate the company's equity. Cyclically Adjusted PB Ratio can seem to be too high even the actual PB Ratio is low.

For the Cyclically Adjusted PB Ratio, the book value of the past 10 years are inflation-adjusted and averaged. The result is used for P/B calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PB Ratio is also called CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

Asia Commercial Joint Stock Bank's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=22750.00/13143.98
=1.73

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Asia Commercial Joint Stock Bank was 2.19. The lowest was 1.12. And the median was 1.68.


Be Aware

Cyclically Adjusted PB Ratio works better for cyclical companies. It gives you a better idea on the company's real book value.


Asia Commercial Joint Stock Bank Cyclically Adjusted Book per Share Related Terms


Asia Commercial Joint Stock Bank Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for Asia Commercial Joint Stock Bank's Cyclically Adjusted Book per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Asia Commercial Joint Stock Bank Cyclically Adjusted Book per Share Chart

Asia Commercial Joint Stock Bank Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Book per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 9,119.68 9,792.34 10,440.00 11,303.83 12,346.97

Asia Commercial Joint Stock Bank Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Cyclically Adjusted Book per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 11,903.52 12,175.63 12,346.97 12,791.44 13,143.98

Asia Commercial Joint Stock Bank Cyclically Adjusted Book per Share Competitor Comparison

For the Banks - Regional subindustry, Asia Commercial Joint Stock Bank's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Asia Commercial Joint Stock Bank Cyclically Adjusted PB Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Asia Commercial Joint Stock Bank's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where Asia Commercial Joint Stock Bank's Cyclically Adjusted PB Ratio falls into.


STC:ACB
72GF Score
Asia Commercial Joint Stock Bank STC:ACB
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Asia Commercial Joint Stock Bank Cyclically Adjusted Book per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

What is Cyclically Adjusted Book per Share? How do we calculate Cyclically Adjusted Book per Share?

Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Book per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the book value per share from 2001 through 2010.

We adjusted the 2001 book value per share data with the total inflation from 2001 through 2010 to the equivalent book value in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's book value is $1 a share in 2001, then the 2001's equivalent book value in 2010 is $1.4 a share. If Wal-Mart's book value is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 book value in 2010 is $1.35. So on and so forth, you get the equivalent book value per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Asia Commercial Joint Stock Bank's adjusted Book Value per Share data for the three months ended in Jun. 2026 was:

Adj_Book= Book Value per Share /CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=17110.148/333.9520*333.9520
=17,110.148

Current CPI (Jun. 2026) = 333.9520.

Asia Commercial Joint Stock Bank Quarterly Data

Book Value per Share CPI Adj_Book
201609 6,511.914 241.428 9,007.517
201612 7,339.243 241.432 10,151.740
201703 6,906.099 243.801 9,459.787
201706 7,061.850 244.955 9,627.560
201709 7,317.611 246.819 9,900.902
201712 7,605.816 246.524 10,303.165
201803 8,964.704 249.554 11,996.525
201806 8,691.357 251.989 11,518.344
201809 10,649.768 252.439 14,088.597
201812 9,971.917 251.233 13,255.192
201903 10,619.799 254.202 13,951.515
201906 11,307.873 256.143 14,742.885
201909 12,034.066 256.759 15,652.033
201912 12,893.311 256.974 16,755.574
202003 13,607.021 258.115 17,604.912
202006 14,263.992 257.797 18,477.673
202009 19,798.061 260.280 25,401.883
202012 6,107.096 260.474 7,829.868
202103 6,534.558 264.877 8,238.649
202106 8,696.008 271.696 10,688.598
202109 9,148.937 274.310 11,138.150
202112 7,735.638 278.802 9,265.829
202203 8,304.588 287.504 9,646.244
202206 8,970.063 296.311 10,109.549
202209 9,602.116 296.808 10,803.772
202212 10,067.956 296.797 11,328.329
202303 10,772.850 301.836 11,919.104
202306 10,830.912 305.109 11,854.795
202309 11,512.824 307.789 12,491.449
202312 12,224.466 306.746 13,308.682
202403 12,559.651 312.332 13,429.045
202406 12,885.465 314.175 13,696.592
202409 13,585.205 315.301 14,388.811
202412 14,378.982 315.605 15,214.872
202503 15,001.421 319.799 15,665.323
202506 15,024.860 322.561 15,555.452
202509 15,749.286 324.800 16,193.059
202512 16,284.088 324.054 16,781.474
202603 17,013.072 330.213 17,205.711
202606 17,110.148 333.952 17,110.148

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.

What does a Cyclically Adjusted Book per Share of ₫13,143.98 mean?
Asia Commercial Joint Stock Bank (STC:ACB) has a Cyclically Adjusted Book per Share of ₫13,143.98 as of Jun. 2026. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Asia Commercial Joint Stock Bank and its competitors.
Is Asia Commercial Joint Stock Bank's Cyclically Adjusted Book per Share too high?
Asia Commercial Joint Stock Bank's current Cyclically Adjusted Book per Share is ₫13,143.98. Overall, Asia Commercial Joint Stock Bank has a GF Score™ of 72/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Asia Commercial Joint Stock Bank's Cyclically Adjusted Book per Share compare to competitors?
Asia Commercial Joint Stock Bank's Cyclically Adjusted Book per Share of ₫13,143.98 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted Book per Share for a Banks company?
A good Cyclically Adjusted Book per Share depends on the Banks industry context. However, Cyclically Adjusted Book per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted Book per Share mean?
A high Cyclically Adjusted Book per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Asia Commercial Joint Stock Bank and its competitors. Asia Commercial Joint Stock Bank's current Cyclically Adjusted Book per Share is ₫13,143.98. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Asia Commercial Joint Stock Bank stock overvalued right now?
Based on GuruFocus' analysis, Asia Commercial Joint Stock Bank (STC:ACB) is currently considered Fairly Valued. The stock's GF Value™ is ₫20,938.37, compared to a current price of ₫22,750.00 — trading 8.7% above its estimated fair value. The current Cyclically Adjusted Book per Share is ₫13,143.98. Asia Commercial Joint Stock Bank's overall GF Score™ is 72/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Book per Share calculated?
Cyclically Adjusted Book per Share is calculated from a company's financial statements. For Asia Commercial Joint Stock Bank (STC:ACB), the current Cyclically Adjusted Book per Share is ₫13,143.98 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Asia Commercial Joint Stock Bank (STC:ACB) Overvalued in 2026?

Based on GuruFocus' analysis, Asia Commercial Joint Stock Bank stock appears to be overvalued. The current stock price of ₫22,750.00 is trading 8.7% above its estimated GF Value™ of ₫20,938.37. GuruFocus considers Asia Commercial Joint Stock Bank to be Fairly Valued.

Key valuation signals for STC:ACB:

  • Cyclically Adjusted Book per Share: ₫13,143.98
  • GF Value™: ₫20,938.37 vs. price of ₫22,750.00 (8.7% above fair value)
  • GF Score™: 72/100 with 6 warning signs

No single metric tells the full story. See the STC:ACB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Asia Commercial Joint Stock Bank Business Description

Address 442 Nguyen Thi Minh Khai Street, Ward 5, District 3, Ho Chi Minh, VNM
Asia Commercial Joint Stock Bank and its subsidiaries (the Group) mobilise short, medium, and long-term funds, receive entrusted investment funds, borrow from financial institutions, grant loans, discount commercial papers and bonds, provide settlement services, trade foreign currencies and gold, offer trade finance, and perform approved overseas services. The Group also conducts debt factoring, bond trading, fiduciary activities, commodity derivatives, insurance agency, securities depository and clearing, finance leasing, securities trading and consultancy, corporate finance services, investment fund and asset management. Its segments are Banking, Securities trading, Asset management, Finance Leasing, and Fund Management, operating in the northern, central, and southern regions.
72GF Score

Get the complete analysis for STC:ACB

Cyclically Adjusted Book per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₫22,750.00
Price
₫20,938.37
GF Value