Bac A Commercial Joint Stock Bank (HSTC:BAB) Cyclically Adjusted PB Ratio: (As of Jul. 16, 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.

HSTC:BAB Bac A Commercial Joint Stock Bank HSTC:BAB
70 GF Score
Price ₫11,100.00
GF Value ₫11,766.08
Valuation Fairly Valued
! 2 Warning Signs
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What is Bac A Commercial Joint Stock Bank 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.

Shiller PE for Stocks: The True Measure of Stock Valuation


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

* Premium members only.

The historical data trend for Bac A Commercial Joint Stock Bank's Cyclically Adjusted PB Ratio 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.

Bac A Commercial Joint Stock Bank Cyclically Adjusted PB Ratio Chart

Bac A Commercial Joint Stock Bank Annual Data
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Bac A Commercial Joint Stock Bank Quarterly Data
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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.


HSTC:BAB
70GF Score
Bac A Commercial Joint Stock Bank HSTC:BAB
Cyclically Adjusted PB Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

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.

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 ₫11,100.00 is trading 5.7% below its estimated GF Value™ of ₫11,766.08. GuruFocus considers Bac A Commercial Joint Stock Bank to be Fairly Valued.

Key valuation signals for HSTC:BAB:

  • Cyclically Adjusted PB Ratio:
  • GF Value™: ₫11,766.08 vs. price of ₫11,100.00 (5.7% below fair value)
  • GF Score™: 70/100 with 2 warning signs

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 Business Description

Address No. 117, Quang Trung Street, Quang Trung Ward, Nghe An Province, Vinh, VNM
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.

₫11,100.00
Price
₫11,766.08
GF Value