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National Citizen Commercial Joint Stock BankHSTC:NVB +0.86%26 Cyclically Adjusted PS Ratio is 4.41 as of Aug. 05, 2026, which is 20% above its 10-year median of 3.69. GuruFocus rates HSTC:NVB with a GF Score™ of 26/100. The stock has 2 warning signs investors should review. Among 1,299 Banks companies, National Citizen Commercial Joint Stock Bank ranks worse than 66.74% on this metric.
HSTC:NVB's Cyclically Adjusted PS Ratio is ranked worse than 66.74% of 1299
companies
in the Banks industry
Industry Median: 3.41
vs HSTC:NVB: 4.22
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 PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted revenue per share of a company over the past 10 years.
National Citizen Commercial Joint Stock Bank's adjusted revenue per share data of for the fiscal year that ended in Dec25 was ₫1,942.081. Add all the adjusted revenue per share for the past 10 years together and divide 10 will get our Cyclically Adjusted Revenue per Share, which is ₫2,651.76 for the trailing ten years ended in Dec25.
Shiller PE for Stocks: The True Measure of Stock Valuation
National Citizen Commercial Joint Stock Bank (HSTC:NVB) Cyclically Adjusted PS Ratio Explanation
Compared with the regular PS Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PS Ratio smoothed out the fluctuations of revenue 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 PS Ratio should give similar results to regular PS Ratio.
National Citizen Commercial Joint Stock Bank Cyclically Adjusted PS Ratio Related Terms
National Citizen Commercial Joint Stock Bank Cyclically Adjusted PS 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.
National Citizen Commercial Joint Stock Bank Cyclically Adjusted PS Ratio Chart
National Citizen Commercial Joint Stock Bank Annual Data
National Citizen Commercial Joint Stock Bank Cyclically Adjusted PS Ratio Competitor Comparison
For the Banks - Regional subindustry, National Citizen Commercial Joint Stock Bank's Cyclically Adjusted PS Ratio, along with its competitors' market caps and Cyclically Adjusted PS 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.
National Citizen Commercial Joint Stock Bank Cyclically Adjusted PS Ratio vs Banks Industry
National Citizen Commercial Joint Stock Bank Cyclically Adjusted PS Ratio Calculation
Like the Shiller PE Ratio, the Cyclically Adjusted PS Ratio takes the Revenue per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/S calculation. Because it considers this 10-year average, it's often referred to as the CAPS 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 PS Ratio.
* 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.
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.
What does a Cyclically Adjusted PS Ratio of 4.41 mean?
National Citizen Commercial Joint Stock Bank (HSTC:NVB) has a Cyclically Adjusted PS Ratio of 4.41 as of Aug. 05, 2026. Cyclically Adjusted PS Ratio is the ratio of share price to a company's inflation-adjusted revenue per share over a 10-year period. View historical data on National Citizen Commercial Joint Stock Bank and its competitors. This is 20% above median its historical median of 3.69. Over the past decade, National Citizen Commercial Joint Stock Bank's Cyclically Adjusted PS Ratio has ranged from 3.08 to 5.24. According to the industry distribution chart, National Citizen Commercial Joint Stock Bank ranks #867 out of 1299 companies in the Banks industry, placing it in the top 66.7%.
Is National Citizen Commercial Joint Stock Bank's Cyclically Adjusted PS Ratio too high?
National Citizen Commercial Joint Stock Bank's current Cyclically Adjusted PS Ratio of 4.41 is 20% above median its 10-year median of 3.69. Over the past 10 years, this metric has ranged from a low of 3.08 to a high of 5.24. The Banks industry median Cyclically Adjusted PS Ratio is 3.41. National Citizen Commercial Joint Stock Bank's value of 4.41 is 29.3% above this industry median. Based on the distribution chart, National Citizen Commercial Joint Stock Bank ranks #867 out of 1299 companies in the Banks industry, which is below the industry midpoint. Overall, National Citizen Commercial Joint Stock Bank has a GF Score™ of 26/100, reflecting its overall financial health beyond just this single metric.
How does National Citizen Commercial Joint Stock Bank's Cyclically Adjusted PS Ratio compare to competitors?
According to the Banks industry distribution chart, National Citizen Commercial Joint Stock Bank ranks #867 out of 1299 companies for Cyclically Adjusted PS Ratio. This places National Citizen Commercial Joint Stock Bank in the lower half of its industry. The industry median Cyclically Adjusted PS Ratio is 3.41. National Citizen Commercial Joint Stock Bank's value of 4.41 is 29.3% above this benchmark. Historically, National Citizen Commercial Joint Stock Bank's own Cyclically Adjusted PS Ratio has ranged from 3.08 to 5.24 over the past decade. While the company's 10-year median is 3.69 vs. the industry median of 3.41, National Citizen Commercial Joint Stock Bank has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted PS Ratio for a Banks company?
The median Cyclically Adjusted PS Ratio among Banks companies is 3.41, based on 1,299 companies in the industry. Companies in the top quartile (top 25%) have a Cyclically Adjusted PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, Cyclically Adjusted PS Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. National Citizen Commercial Joint Stock Bank's current Cyclically Adjusted PS Ratio of 4.41 is 29.3% above 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 PS Ratio mean?
A high Cyclically Adjusted PS Ratio can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted PS Ratio is the ratio of share price to a company's inflation-adjusted revenue per share over a 10-year period. View historical data on National Citizen Commercial Joint Stock Bank and its competitors. For the Banks industry, the median Cyclically Adjusted PS Ratio is 3.41 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. National Citizen Commercial Joint Stock Bank's current Cyclically Adjusted PS Ratio is 4.41, which is 20% above median its own 10-year median of 3.69. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is National Citizen Commercial Joint Stock Bank stock overvalued right now?
National Citizen Commercial Joint Stock Bank (HSTC:NVB) has a current Cyclically Adjusted PS Ratio of 4.41. The current Cyclically Adjusted PS Ratio is 4.41, which is 20% above median its 10-year median of 3.69 and 29.3% above the Banks industry median of 3.41. National Citizen Commercial Joint Stock Bank's overall GF Score™ is 26/100 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 PS Ratio calculated?
Cyclically Adjusted PS Ratio is calculated from a company's financial statements. For National Citizen Commercial Joint Stock Bank (HSTC:NVB), the current Cyclically Adjusted PS Ratio is 4.41 as of Aug. 05, 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.
National Citizen Commercial Joint Stock Bank is a Vietnam based company engaged in offering various banking services. It offers banking services to both personal and corporate customers. The portfolio of facilities includes transaction account, term deposit, credit facilities, foreign exchange products, international payments services, e-banking service, card products, treasury service and insurance service, among others.
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