Loc Phat Vietnam Commercial Joint Stock Bank (STC:LPB) Cyclically Adjusted Book per Share: ₫0.00 (As of Mar. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

STC:LPB Loc Phat Vietnam Commercial Joint Stock Bank STC:LPB
69 GF Score
Price ₫53,400.00
GF Value ₫29,750.27
Valuation Significantly Overvalued
! 4 Warning Signs
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What is Loc Phat Vietnam Commercial Joint Stock Bank Cyclically Adjusted Book per Share?

Loc Phat Vietnam Commercial Joint Stock Bank STC:LPB 69 Cyclically Adjusted Book per Share is ₫0.00 as of Mar. 2026. GuruFocus rates STC:LPB with a GF Score™ of 69/100 and a GF Value™ of ₫29,750.27 (Significantly Overvalued). The stock has 4 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.

Loc Phat Vietnam Commercial Joint Stock Bank's adjusted book value per share data for the fiscal year that ended in Dec. 2025 was ₫15,797.797. 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 ₫0.00 for the trailing ten years ended in Dec. 2025.

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.

As of today (2026-07-13), Loc Phat Vietnam Commercial Joint Stock Bank's current stock price is ₫ 53400.00. Loc Phat Vietnam Commercial Joint Stock Bank's Cyclically Adjusted Book per Share for the fiscal year that ended in Dec. 2025 was ₫0.00. Loc Phat Vietnam Commercial Joint Stock Bank's Cyclically Adjusted PB Ratio of today is .


Loc Phat Vietnam Commercial Joint Stock Bank  (STC:LPB) 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.


Be Aware

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


Loc Phat Vietnam Commercial Joint Stock Bank Cyclically Adjusted Book per Share Related Terms


Loc Phat Vietnam Commercial Joint Stock Bank Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for Loc Phat Vietnam 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.

Loc Phat Vietnam Commercial Joint Stock Bank Cyclically Adjusted Book per Share Chart

Loc Phat Vietnam Commercial Joint Stock Bank Annual Data
Trend Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Book per Share
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Loc Phat Vietnam 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 0.00 0.00 0.00 0.00 0.00

Loc Phat Vietnam Commercial Joint Stock Bank Cyclically Adjusted Book per Share Competitor Comparison

For the Banks - Regional subindustry, Loc Phat Vietnam 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.


Loc Phat Vietnam Commercial Joint Stock Bank Cyclically Adjusted PB Ratio vs Banks Industry

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

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


STC:LPB
69GF Score
Loc Phat Vietnam Commercial Joint Stock Bank STC:LPB
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Loc Phat Vietnam 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, Loc Phat Vietnam Commercial Joint Stock Bank's adjusted Book Value per Share data for the fiscal year that ended in Dec. 2025 was:

Adj_Book=Book Value per Share /CPI of Dec. 2025 (Change)*Current CPI (Dec. 2025)
=15797.797/324.0540*324.0540
=15,797.797

Current CPI (Dec. 2025) = 324.0540.

Loc Phat Vietnam Commercial Joint Stock Bank does not have a history long enough to calculate Cyclically Adjusted Book per Share. Therefore GuruFocus does not calculate it.

What does a Cyclically Adjusted Book per Share of ₫0.00 mean?
Loc Phat Vietnam Commercial Joint Stock Bank (STC:LPB) has a Cyclically Adjusted Book per Share of ₫0.00 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 Loc Phat Vietnam Commercial Joint Stock Bank and its competitors.
Is Loc Phat Vietnam Commercial Joint Stock Bank's Cyclically Adjusted Book per Share too high?
Loc Phat Vietnam Commercial Joint Stock Bank's current Cyclically Adjusted Book per Share is ₫0.00. Overall, Loc Phat Vietnam Commercial Joint Stock Bank has a GF Score™ of 69/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Loc Phat Vietnam Commercial Joint Stock Bank's Cyclically Adjusted Book per Share compare to competitors?
Loc Phat Vietnam Commercial Joint Stock Bank's Cyclically Adjusted Book per Share of ₫0.00 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 Loc Phat Vietnam Commercial Joint Stock Bank and its competitors. Loc Phat Vietnam Commercial Joint Stock Bank's current Cyclically Adjusted Book per Share is ₫0.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Loc Phat Vietnam Commercial Joint Stock Bank stock overvalued right now?
Based on GuruFocus' analysis, Loc Phat Vietnam Commercial Joint Stock Bank (STC:LPB) is currently considered Significantly Overvalued. The stock's GF Value™ is ₫29,750.27, compared to a current price of ₫53,400.00 — trading 79.5% above its estimated fair value. The current Cyclically Adjusted Book per Share is ₫0.00. Loc Phat Vietnam Commercial Joint Stock Bank's overall GF Score™ is 69/100 with 4 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 Loc Phat Vietnam Commercial Joint Stock Bank (STC:LPB), the current Cyclically Adjusted Book per Share is ₫0.00 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 Loc Phat Vietnam Commercial Joint Stock Bank (STC:LPB) Overvalued in 2026?

Based on GuruFocus' analysis, Loc Phat Vietnam Commercial Joint Stock Bank stock appears to be overvalued. The current stock price of ₫53,400.00 is trading 79.5% above its estimated GF Value™ of ₫29,750.27. GuruFocus considers Loc Phat Vietnam Commercial Joint Stock Bank to be Significantly Overvalued.

Key valuation signals for STC:LPB:

  • Cyclically Adjusted Book per Share: ₫0.00
  • GF Value™: ₫29,750.27 vs. price of ₫53,400.00 (79.5% above fair value)
  • GF Score™: 69/100 with 4 warning signs

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


Loc Phat Vietnam Commercial Joint Stock Bank Business Description

Address No. 8, Lane 1, Ton Duc Thang Street, Street 11, Hoa Lu Ward, Ninh Binh Province, Hanoi, VNM
Loc Phat Vietnam Commercial Joint Stock Bank is a financial institution in Vietnam operating with the mission of providing comprehensive financial solutions for individual customers, businesses, and partners. Its offerings include Payment accounts, Cards, savings, loans, International money transfer, Insurance, and other services.
69GF Score

Get the complete analysis for STC:LPB

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

₫53,400.00
Price
₫29,750.27
GF Value