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Loc Phat Vietnam Commercial Joint Stock BankSTC:LPB 67 Intrinsic Value: Projected FCF is ₫93,498.68 as of Aug. 13, 2026, which is 100% below its 10-year median of 0.57. GuruFocus rates STC:LPB with a GF Score™ of 67/100 and a GF Value™ of ₫37,473.07 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,298 Banks companies, Loc Phat Vietnam Commercial Joint Stock Bank ranks better than 51.69% on this metric.
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company. The details of how we calculate the intrinsic value of stocks are described in detail here.
STC:LPB'
s Price-to-Projected-FCF Range Over the Past 10 Years
Min: 0.35 Med: 0.57 Max: 0.72
Current: 0.58
During the past 8 years, the highest Price-to-Intrinsic-Value-Projected-FCF of Loc Phat Vietnam Commercial Joint Stock Bank was 0.72. The lowest was 0.35. And the median was 0.57.
STC:LPB's Price-to-Projected-FCF is ranked better than 51.69% of 1298
companies
in the Banks industry
Industry Median: 0.59
vs STC:LPB: 0.58
Loc Phat Vietnam Commercial Joint Stock Bank (STC:LPB) Intrinsic Value: Projected FCF Explanation
The growth multiple is capped between 8.35 and 17.74.
Total Stockholders Equity weighting is more art than science and it should always be revisited in more detail when researching a company. Weightings from 0% to 100% to more than 100% are possible. 80% was chosen as a happy median after taking the above ideas into consideration.
Loc Phat Vietnam Commercial Joint Stock Bank's Price-to-Intrinsic-Value-Projected-FCF for today is calculated as
Price-to-Intrinsic-Value-Projected-FCF
=
Share Price
/
Intrinsic Value: Projected FCF
=
53800.00
/
93498.676574106
=
0.58
* 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 Intrinsic Value: Projected FCF Related Terms
Loc Phat Vietnam Commercial Joint Stock Bank Intrinsic Value: Projected FCF 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.
Loc Phat Vietnam Commercial Joint Stock Bank Intrinsic Value: Projected FCF Chart
Loc Phat Vietnam Commercial Joint Stock Bank Annual Data
Loc Phat Vietnam Commercial Joint Stock Bank Intrinsic Value: Projected FCF Competitor Comparison
For the Banks - Regional subindustry, Loc Phat Vietnam Commercial Joint Stock Bank's Price-to-Projected-FCF, along with its competitors' market caps and Price-to-Projected-FCF 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 Price-to-Projected-FCF vs Banks Industry
Loc Phat Vietnam Commercial Joint Stock Bank Intrinsic Value: Projected FCF Calculation
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company.
The details of how we calculate the intrinsic value of stocks are described in detail here.
This method smooths out the free cash flow over the past 6-7 years, multiplies the results by a growth multiple, and adds a portion of Total Stockholders Equity.
* 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.
What does a Intrinsic Value: Projected FCF of ₫93,498.68 mean?
Loc Phat Vietnam Commercial Joint Stock Bank (STC:LPB) has a Intrinsic Value: Projected FCF of ₫93,498.68 as of Aug. 13, 2026. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on Loc Phat Vietnam Commercial Joint Stock Bank and its competitors. This is 16403177% above median its historical median of 0.57. Over the past decade, Loc Phat Vietnam Commercial Joint Stock Bank's Intrinsic Value: Projected FCF has ranged from 0.35 to 0.72. According to the industry distribution chart, Loc Phat Vietnam Commercial Joint Stock Bank ranks #627 out of 1298 companies in the Banks industry, placing it in the top 48.3%.
Is Loc Phat Vietnam Commercial Joint Stock Bank's Intrinsic Value: Projected FCF too high?
Loc Phat Vietnam Commercial Joint Stock Bank's current Intrinsic Value: Projected FCF of ₫93,498.68 is 16403177% above median its 10-year median of 0.57. Over the past 10 years, this metric has ranged from a low of 0.35 to a high of 0.72. Based on the distribution chart, Loc Phat Vietnam Commercial Joint Stock Bank ranks #627 out of 1298 companies in the Banks industry, which is above the industry midpoint. Overall, Loc Phat Vietnam Commercial Joint Stock Bank has a GF Score™ of 67/100 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 Intrinsic Value: Projected FCF compare to competitors?
According to the Banks industry distribution chart, Loc Phat Vietnam Commercial Joint Stock Bank ranks #627 out of 1298 companies for Intrinsic Value: Projected FCF. This puts Loc Phat Vietnam Commercial Joint Stock Bank in the upper half of its industry. The industry median Intrinsic Value: Projected FCF is 0.59. Historically, Loc Phat Vietnam Commercial Joint Stock Bank's own Intrinsic Value: Projected FCF has ranged from 0.35 to 0.72 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Intrinsic Value: Projected FCF for a Banks company?
The median Intrinsic Value: Projected FCF among Banks companies is 0.59, based on 1,298 companies in the industry. Companies in the top quartile (top 25%) have a Intrinsic Value: Projected FCF significantly above this median, while those in the bottom quartile fall well below. However, Intrinsic Value: Projected FCF 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 Intrinsic Value: Projected FCF mean?
A high Intrinsic Value: Projected FCF can signal that a stock is expensive relative to its fundamentals. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on Loc Phat Vietnam Commercial Joint Stock Bank and its competitors. For the Banks industry, the median Intrinsic Value: Projected FCF is 0.59 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Loc Phat Vietnam Commercial Joint Stock Bank's current Intrinsic Value: Projected FCF is ₫93,498.68, which is 16403177% above median its own 10-year median of 0.57. 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 ₫37,473.07, compared to a current price of ₫53,800.00 — trading 43.6% above its estimated fair value. The current Intrinsic Value: Projected FCF is ₫93,498.68, which is 16403177% above median its 10-year median of 0.57. Loc Phat Vietnam Commercial Joint Stock Bank's overall GF Score™ is 67/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Intrinsic Value: Projected FCF calculated?
Intrinsic Value: Projected FCF is calculated from a company's financial statements. For Loc Phat Vietnam Commercial Joint Stock Bank (STC:LPB), the current Intrinsic Value: Projected FCF is ₫93,498.68 as of Aug. 13, 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 ₫53,800.00 is trading 43.6% above its estimated GF Value™ of ₫37,473.07.
GuruFocus considers Loc Phat Vietnam Commercial Joint Stock Bank to be Significantly Overvalued.
Key valuation signals for STC:LPB:
Intrinsic Value: Projected FCF: ₫93,498.68 (16403177% above median its 10-year median of 0.57)
GF Value™: ₫37,473.07 vs. price of ₫53,800.00 (43.6% above fair value)
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 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.
67GF Score
Get the complete analysis for STC:LPB
Intrinsic Value: Projected FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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