Vietnam Export Import Commercial Joint Stock Bank (STC:EIB) Cyclically Adjusted Book per Share: ₫11,694.17 (As of Mar. 2026)


STC:EIB Vietnam Export Import Commercial Joint Stock Bank STC:EIB
61 GF Score
Price ₫20,700.00
GF Value ₫18,577.94
Valuation Modestly Overvalued
! 2 Warning Signs
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What is Vietnam Export Import Commercial Joint Stock Bank Cyclically Adjusted Book per Share?

Vietnam Export Import Commercial Joint Stock Bank STC:EIB +0.49% 61 Cyclically Adjusted Book per Share is ₫11,694.17 as of Mar. 2026. GuruFocus rates STC:EIB with a GF Score™ of 61/100 and a GF Value™ of ₫18,577.94 (Modestly Overvalued). The stock has 2 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.

Vietnam Export Import Commercial Joint Stock Bank's adjusted book value per share for the three months ended in Mar. 2026 was ₫14,191.191. 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 ₫11,694.17 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Vietnam Export Import Commercial Joint Stock Bank's average Cyclically Adjusted Book Growth Rate was 6.90% per year. During the past 3 years, the average Cyclically Adjusted Book Growth Rate was 5.50% per year. During the past 5 years, the average Cyclically Adjusted Book Growth Rate was 6.20% 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 Vietnam Export Import Commercial Joint Stock Bank was 6.60% per year. The lowest was 5.50% per year. And the median was 6.00% per year.

As of today (2026-06-30), Vietnam Export Import Commercial Joint Stock Bank's current stock price is ₫20700.00. Vietnam Export Import Commercial Joint Stock Bank's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2026 was ₫11,694.17. Vietnam Export Import Commercial Joint Stock Bank's Cyclically Adjusted PB Ratio of today is 1.77.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Vietnam Export Import Commercial Joint Stock Bank was 2.80. The lowest was 1.30. And the median was 1.81.


Vietnam Export Import Commercial Joint Stock Bank  (STC:EIB) 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.

Vietnam Export Import 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
=20700.00/11694.17
=1.77

* 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 Vietnam Export Import Commercial Joint Stock Bank was 2.80. The lowest was 1.30. And the median was 1.81.


Be Aware

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


Vietnam Export Import Commercial Joint Stock Bank Cyclically Adjusted Book per Share Related Terms


Vietnam Export Import Commercial Joint Stock Bank Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for Vietnam Export Import 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.

Vietnam Export Import Commercial Joint Stock Bank Cyclically Adjusted Book per Share Chart

Vietnam Export Import 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 9,005.91 9,673.92 10,158.22 10,713.85 11,368.73

Vietnam Export Import Commercial Joint Stock Bank Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
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 10,939.09 11,120.62 11,287.32 11,368.73 11,694.17

Vietnam Export Import Commercial Joint Stock Bank Cyclically Adjusted Book per Share Competitor Comparison

For the Banks - Regional subindustry, Vietnam Export Import 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.


Vietnam Export Import Commercial Joint Stock Bank Cyclically Adjusted PB Ratio vs Banks Industry

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

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


STC:EIB
61GF Score
Vietnam Export Import Commercial Joint Stock Bank STC:EIB
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Vietnam Export Import 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, Vietnam Export Import Commercial Joint Stock Bank's adjusted Book Value per Share data for the three months ended in Mar. 2026 was:

Adj_Book= Book Value per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=14191.191/330.2130*330.2130
=14,191.191

Current CPI (Mar. 2026) = 330.2130.

Vietnam Export Import Commercial Joint Stock Bank Quarterly Data

Book Value per Share CPI Adj_Book
201606 7,099.770 241.018 9,727.225
201609 7,158.533 241.428 9,791.079
201612 7,219.705 241.432 9,874.584
201703 7,299.527 243.801 9,886.747
201706 7,380.570 244.955 9,949.420
201709 7,401.761 246.819 9,902.632
201712 7,650.663 246.524 10,247.880
201803 7,883.305 249.554 10,431.289
201806 8,041.157 251.989 10,537.343
201809 8,153.054 252.439 10,664.931
201812 7,990.138 251.233 10,501.994
201903 8,179.356 254.202 10,625.132
201906 8,334.869 256.143 10,745.100
201909 8,482.086 256.759 10,908.654
201912 8,454.927 256.974 10,864.628
202003 8,674.060 258.115 11,096.943
202006 8,676.095 257.797 11,113.238
202009 8,910.062 260.280 11,304.051
202012 9,029.445 260.474 11,446.978
202103 9,122.398 264.877 11,372.578
202106 9,280.185 271.696 11,278.921
202109 9,472.527 274.310 11,402.980
202112 9,547.724 278.802 11,308.321
202203 9,904.262 287.504 11,375.550
202206 10,239.008 296.311 11,410.489
202209 10,802.787 296.808 12,018.614
202212 10,994.515 296.797 12,232.374
202303 11,354.834 301.836 12,422.355
202306 11,500.275 305.109 12,446.504
202309 11,605.629 307.789 12,451.158
202312 12,049.538 306.746 12,971.364
202403 12,330.327 312.332 13,036.238
202406 12,610.154 314.175 13,253.877
202409 12,946.637 315.301 13,558.942
202412 13,474.592 315.605 14,098.273
202503 13,827.858 319.799 14,278.151
202506 13,994.047 322.561 14,326.023
202509 14,248.716 324.800 14,486.180
202512 13,961.481 324.054 14,226.834
202603 14,191.191 330.213 14,191.191

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 ₫11,694.17 mean?
Vietnam Export Import Commercial Joint Stock Bank (STC:EIB) has a Cyclically Adjusted Book per Share of ₫11,694.17 as of Mar. 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 Vietnam Export Import Commercial Joint Stock Bank and its competitors.
Is Vietnam Export Import Commercial Joint Stock Bank's Cyclically Adjusted Book per Share too high?
Vietnam Export Import Commercial Joint Stock Bank's current Cyclically Adjusted Book per Share is ₫11,694.17. Overall, Vietnam Export Import Commercial Joint Stock Bank has a GF Score™ of 61/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Vietnam Export Import Commercial Joint Stock Bank's Cyclically Adjusted Book per Share compare to competitors?
Vietnam Export Import Commercial Joint Stock Bank's Cyclically Adjusted Book per Share of ₫11,694.17 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 Vietnam Export Import Commercial Joint Stock Bank and its competitors. Vietnam Export Import Commercial Joint Stock Bank's current Cyclically Adjusted Book per Share is ₫11,694.17. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Vietnam Export Import Commercial Joint Stock Bank stock overvalued right now?
Based on GuruFocus' analysis, Vietnam Export Import Commercial Joint Stock Bank (STC:EIB) is currently considered Modestly Overvalued. The stock's GF Value™ is ₫18,577.94, compared to a current price of ₫20,700.00 — trading 11.4% above its estimated fair value. The current Cyclically Adjusted Book per Share is ₫11,694.17. Vietnam Export Import Commercial Joint Stock Bank's overall GF Score™ is 61/100 with 2 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 Vietnam Export Import Commercial Joint Stock Bank (STC:EIB), the current Cyclically Adjusted Book per Share is ₫11,694.17 as of Mar. 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 Vietnam Export Import Commercial Joint Stock Bank (STC:EIB) Overvalued in 2026?

Based on GuruFocus' analysis, Vietnam Export Import Commercial Joint Stock Bank stock appears to be overvalued. The current stock price of ₫20,700.00 is trading 11.4% above its estimated GF Value™ of ₫18,577.94. GuruFocus considers Vietnam Export Import Commercial Joint Stock Bank to be Modestly Overvalued.

Key valuation signals for STC:EIB:

  • Cyclically Adjusted Book per Share: ₫11,694.17
  • GF Value™: ₫18,577.94 vs. price of ₫20,700.00 (11.4% above fair value)
  • GF Score™: 61/100 with 2 warning signs

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


Vietnam Export Import Commercial Joint Stock Bank Business Description

Address 72 Le Thanh Ton, Ben Nghe Ward, Level 8, Suite No. L8-01-11 + 16, Vincom Center, District 1, Ho Chi Minh, VNM
Vietnam Export Import Commercial Joint Stock Bank is in the business of providing banking services and products to individual customers and organizations. Its products and services are savings and demand deposits, short, medium and long-term loans, foreign currency trading, settlement services, documentary discounting, issuing and settling credit cards, cash services, payroll, collection, overseas remittance payment, guarantee issuance, mobile banking, internet banking and advisory services. The bank operates in Vietnam.
61GF Score

Get the complete analysis for STC:EIB

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

₫20,700.00
Price
₫18,577.94
GF Value