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Vietnam Maritime Commercial Joint Stock Bank (STC:MSB) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Vietnam Maritime Commercial Joint Stock Bank Equity-to-Asset Related Terms
Vietnam Maritime Commercial Joint Stock Bank Equity-to-Asset 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.
Vietnam Maritime Commercial Joint Stock Bank Equity-to-Asset Chart
Vietnam Maritime Commercial Joint Stock Bank Annual Data
Vietnam Maritime Commercial Joint Stock Bank Equity-to-Asset Competitor Comparison
For the Banks - Regional subindustry, Vietnam Maritime Commercial Joint Stock Bank's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Maritime Commercial Joint Stock Bank Equity-to-Asset vs Banks Industry
Vietnam Maritime Commercial Joint Stock Bank Equity-to-Asset Calculation
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
* 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 Maritime Commercial Joint Stock Bank (STC:MSB) has a Equity-to-Asset of 0.11 as of Mar. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Vietnam Maritime Commercial Joint Stock Bank and its competitors. This is near median its historical median of 0.12. Over the past decade, Vietnam Maritime Commercial Joint Stock Bank's Equity-to-Asset has ranged from 0.10 to 0.13. According to the industry distribution chart, Vietnam Maritime Commercial Joint Stock Bank ranks #548 out of 1525 companies in the Banks industry, placing it in the top 35.9%.
Is Vietnam Maritime Commercial Joint Stock Bank's Equity-to-Asset too high?
Vietnam Maritime Commercial Joint Stock Bank's current Equity-to-Asset of 0.11 is near median its 10-year median of 0.12. Over the past 10 years, this metric has ranged from a low of 0.10 to a high of 0.13. The Banks industry median Equity-to-Asset is 0.10. Vietnam Maritime Commercial Joint Stock Bank's value of 0.11 is 10% above this industry median. Based on the distribution chart, Vietnam Maritime Commercial Joint Stock Bank ranks #548 out of 1525 companies in the Banks industry, which is above the industry midpoint. Overall, Vietnam Maritime Commercial Joint Stock Bank has a GF Score™ of 64/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Vietnam Maritime Commercial Joint Stock Bank's Equity-to-Asset compare to competitors?
According to the Banks industry distribution chart, Vietnam Maritime Commercial Joint Stock Bank ranks #548 out of 1525 companies for Equity-to-Asset. This puts Vietnam Maritime Commercial Joint Stock Bank in the upper half of its industry. The industry median Equity-to-Asset is 0.10. Vietnam Maritime Commercial Joint Stock Bank's value of 0.11 is 10% above this benchmark. Historically, Vietnam Maritime Commercial Joint Stock Bank's own Equity-to-Asset has ranged from 0.10 to 0.13 over the past decade. While the company's 10-year median is 0.12 vs. the industry median of 0.10, Vietnam Maritime 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 Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,525 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Vietnam Maritime Commercial Joint Stock Bank's current Equity-to-Asset of 0.11 is 10% 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Vietnam Maritime Commercial Joint Stock Bank and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Vietnam Maritime Commercial Joint Stock Bank's current Equity-to-Asset is 0.11, which is near median its own 10-year median of 0.12. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Vietnam Maritime Commercial Joint Stock Bank stock overvalued right now?
Based on GuruFocus' analysis, Vietnam Maritime Commercial Joint Stock Bank (STC:MSB) is currently considered Significantly Overvalued. The stock's GF Value™ is ₫10,998.92, compared to a current price of ₫15,750.00 — trading 43.2% above its estimated fair value. The current Equity-to-Asset is 0.11, which is near median its 10-year median of 0.12 and 10% above the Banks industry median of 0.10. Vietnam Maritime Commercial Joint Stock Bank's overall GF Score™ is 64/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Vietnam Maritime Commercial Joint Stock Bank (STC:MSB), the current Equity-to-Asset is 0.11 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 Maritime Commercial Joint Stock Bank (STC:MSB) Overvalued in 2026?
Based on GuruFocus' analysis, Vietnam Maritime Commercial Joint Stock Bank stock appears to be overvalued.
The current stock price of ₫15,750.00 is trading 43.2% above its estimated GF Value™ of ₫10,998.92.
GuruFocus considers Vietnam Maritime Commercial Joint Stock Bank to be Significantly Overvalued.
Key valuation signals for STC:MSB:
Equity-to-Asset: 0.11 (near median its 10-year median of 0.12)
GF Value™: ₫10,998.92 vs. price of ₫15,750.00 (43.2% above fair value)
Industry Position: 10% above the Banks median (#548 of 1525)
No single metric tells the full story. See the STC:MSB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Vietnam Maritime Commercial Joint Stock Bank is engaged in providing banking and related services including mobilizing and receiving short, medium and long-term deposits from organizations and individuals; making short, medium and long-term loans to organizations and individuals based on the nature and capability of the Bank's capital; conducting foreign exchange transactions; international trade finance services; discounting of commercial papers, bonds and other valuable papers; conducting payments and treasury services; performing capital contributions, share purchases, securities investments and other banking services. The company provides Savings, Retail Loan products, Insurance, Card Products, Payment services, E-Banking services, and other banking services.
64GF Score
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