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Bac A Commercial Joint Stock Bank (HSTC:BAB) Cyclically Adjusted PB Ratio Explanation
Compared with the regular PB Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PB Ratio smoothed out the fluctuations of book value during business cycles. Therefore it is more accurate in reflecting the valuation of the company.
If a company has consistent business performance, the Cyclically Adjusted PB Ratio should give similar results to regular PB Ratio.
Bac A Commercial Joint Stock Bank Cyclically Adjusted PB Ratio Related Terms
Bac A Commercial Joint Stock Bank Cyclically Adjusted PB Ratio Historical Data
* 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.
Bac A Commercial Joint Stock Bank Cyclically Adjusted PB Ratio Chart
Bac A Commercial Joint Stock Bank Cyclically Adjusted PB Ratio Competitor Comparison
For the Banks - Regional subindustry, Bac A 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.
Bac A Commercial Joint Stock Bank Cyclically Adjusted PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Bac A Commercial Joint Stock Bank's Cyclically Adjusted PB Ratio distribution charts can be found below:
* The bar in red indicates where Bac A Commercial Joint Stock Bank's Cyclically Adjusted PB Ratio falls into.
Bac A Commercial Joint Stock Bank Cyclically Adjusted PB Ratio Calculation
Like the Shiller PE Ratio, the Cyclically Adjusted PB Ratio takes the Book Value per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/B calculation. Because it considers this 10-year average, it's often referred to as the CAPB Ratio.
The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio.
Bac A Commercial Joint Stock Bank does not have a history long enough to calculate Cyclically Adjusted Book per Share. Therefore GuruFocus does not calculate Cyclically Adjusted PB Ratio for this company.
What does a Cyclically Adjusted PB Ratio of 1.04 mean?
Bac A Commercial Joint Stock Bank (HSTC:BAB) has a Cyclically Adjusted PB Ratio of 1.04 as of Sep. 16, 2026. Cyclically Adjusted PB Ratio is the ratio of share price to a company's inflation-adjusted book value per share over a 10-year period. View historical data on Bac A Commercial Joint Stock Bank and its competitors. According to the industry distribution chart, Bac A Commercial Joint Stock Bank ranks #999999 out of 1273 companies in the Banks industry.
Is Bac A Commercial Joint Stock Bank's Cyclically Adjusted PB Ratio too high?
Bac A Commercial Joint Stock Bank's current Cyclically Adjusted PB Ratio is 1.04. The Banks industry median Cyclically Adjusted PB Ratio is 1.29. Bac A Commercial Joint Stock Bank's value of 1.04 is 19.4% below this industry median. Based on the distribution chart, Bac A Commercial Joint Stock Bank ranks #999999 out of 1273 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Bac A Commercial Joint Stock Bank has a GF Score™ of 70/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Bac A Commercial Joint Stock Bank's Cyclically Adjusted PB Ratio compare to competitors?
According to the Banks industry distribution chart, Bac A Commercial Joint Stock Bank ranks #999999 out of 1273 companies for Cyclically Adjusted PB Ratio. This places Bac A Commercial Joint Stock Bank in the lower half of its industry. The industry median Cyclically Adjusted PB Ratio is 1.29. Bac A Commercial Joint Stock Bank's value of 1.04 is 19.4% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted PB Ratio for a Banks company?
The median Cyclically Adjusted PB Ratio among Banks companies is 1.29, based on 1,273 companies in the industry. Companies in the top quartile (top 25%) have a Cyclically Adjusted PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, Cyclically Adjusted PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bac A Commercial Joint Stock Bank's current Cyclically Adjusted PB Ratio of 1.04 is 19.4% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted PB Ratio mean?
A high Cyclically Adjusted PB Ratio can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted PB Ratio is the ratio of share price to a company's inflation-adjusted book value per share over a 10-year period. View historical data on Bac A Commercial Joint Stock Bank and its competitors. For the Banks industry, the median Cyclically Adjusted PB Ratio is 1.29 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bac A Commercial Joint Stock Bank's current Cyclically Adjusted PB Ratio is 1.04. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bac A Commercial Joint Stock Bank stock overvalued right now?
Based on GuruFocus' analysis, Bac A Commercial Joint Stock Bank (HSTC:BAB) is currently considered Modestly Undervalued. The stock's GF Value™ is ₫12,804.09, compared to a current price of ₫10,700.00 — trading 16.4% below its estimated fair value. The current Cyclically Adjusted PB Ratio is 1.04 and 19.4% below the Banks industry median of 1.29. Bac A Commercial Joint Stock Bank's overall GF Score™ is 70/100 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 PB Ratio calculated?
Cyclically Adjusted PB Ratio is calculated from a company's financial statements. For Bac A Commercial Joint Stock Bank (HSTC:BAB), the current Cyclically Adjusted PB Ratio is 1.04 as of Sep. 16, 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 Bac A Commercial Joint Stock Bank (HSTC:BAB) Overvalued in 2026?
Based on GuruFocus' analysis, Bac A Commercial Joint Stock Bank stock appears to be undervalued.
The current stock price of ₫10,700.00 is trading 16.4% below its estimated GF Value™ of ₫12,804.09.
GuruFocus considers Bac A Commercial Joint Stock Bank to be Modestly Undervalued.
Key valuation signals for HSTC:BAB:
Cyclically Adjusted PB Ratio: 1.04
GF Value™: ₫12,804.09 vs. price of ₫10,700.00 (16.4% below fair value)
Industry Position: 19.4% below the Banks median (#999999 of 1273)
No single metric tells the full story. See the HSTC:BAB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Bac A Commercial Joint Stock Bank provides banking services like commercial banking products and services-including deposits, loans, and, international payments-to individual and institutional clients, with a specialized focus on investing in high-tech agriculture, health, and education sectors. The company's services include Guarantee service; Payment deposit; Trade finance; Insurance; Overseas and domestic fast money transfers and others.
70GF Score
Get the complete analysis for HSTC:BAB
Cyclically Adjusted PB Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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