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.
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.
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.
The historical rank and industry rank for Military Commercial Joint Stock Bank's Intrinsic Value: Projected FCF or its related term are showing as below:
STC:MBB'
s Price-to-Projected-FCF Range Over the Past 10 Years
Min: 0.29 Med: 0.75 Max: 22.85
Current: 0.49
During the past 13 years, the highest Price-to-Intrinsic-Value-Projected-FCF of Military Commercial Joint Stock Bank was 22.85. The lowest was 0.29. And the median was 0.75.
STC:MBB's Price-to-Projected-FCF is ranked better than 62.99% of 1305
companies
in the Banks industry
Industry Median: 0.6
vs STC:MBB: 0.49
Military Commercial Joint Stock Bank (STC:MBB) 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.
Military 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
=
21050.00
/
43161.512720231
=
0.49
* 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.
Military Commercial Joint Stock Bank Intrinsic Value: Projected FCF Related Terms
Military 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.
Military Commercial Joint Stock Bank Intrinsic Value: Projected FCF Chart
Military Commercial Joint Stock Bank Intrinsic Value: Projected FCF Competitor Comparison
For the Banks - Regional subindustry, Military 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.
Military Commercial Joint Stock Bank Price-to-Projected-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Military Commercial Joint Stock Bank's Price-to-Projected-FCF distribution charts can be found below:
* The bar in red indicates where Military Commercial Joint Stock Bank's Price-to-Projected-FCF falls into.
Military 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 ₫43,161.51 mean?
Military Commercial Joint Stock Bank (STC:MBB) has a Intrinsic Value: Projected FCF of ₫43,161.51 as of Aug. 31, 2026. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on Military Commercial Joint Stock Bank and its competitors. According to the industry distribution chart, Military Commercial Joint Stock Bank ranks #483 out of 1305 companies in the Banks industry, placing it in the top 37%.
Is Military Commercial Joint Stock Bank's Intrinsic Value: Projected FCF too high?
Military Commercial Joint Stock Bank's current Intrinsic Value: Projected FCF is ₫43,161.51. Based on the distribution chart, Military Commercial Joint Stock Bank ranks #483 out of 1305 companies in the Banks industry, which is above the industry midpoint. Overall, Military Commercial Joint Stock Bank has a GF Score™ of 83/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Military Commercial Joint Stock Bank's Intrinsic Value: Projected FCF compare to competitors?
According to the Banks industry distribution chart, Military Commercial Joint Stock Bank ranks #483 out of 1305 companies for Intrinsic Value: Projected FCF. This puts Military Commercial Joint Stock Bank in the upper half of its industry. The industry median Intrinsic Value: Projected FCF is 0.60. 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 0.60, based on 1,305 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 Military Commercial Joint Stock Bank and its competitors. For the Banks industry, the median Intrinsic Value: Projected FCF is 0.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Military Commercial Joint Stock Bank's current Intrinsic Value: Projected FCF is ₫43,161.51. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Military Commercial Joint Stock Bank stock overvalued right now?
Based on GuruFocus' analysis, Military Commercial Joint Stock Bank (STC:MBB) is currently considered Fairly Valued. The stock's GF Value™ is ₫22,379.96, compared to a current price of ₫21,050.00 — trading 5.9% below its estimated fair value. The current Intrinsic Value: Projected FCF is ₫43,161.51. Military Commercial Joint Stock Bank's overall GF Score™ is 83/100 with 3 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 Military Commercial Joint Stock Bank (STC:MBB), the current Intrinsic Value: Projected FCF is ₫43,161.51 as of Aug. 31, 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 Military Commercial Joint Stock Bank (STC:MBB) Overvalued in 2026?
Based on GuruFocus' analysis, Military Commercial Joint Stock Bank stock appears to be undervalued.
The current stock price of ₫21,050.00 is trading 5.9% below its estimated GF Value™ of ₫22,379.96.
GuruFocus considers Military Commercial Joint Stock Bank to be Fairly Valued.
Key valuation signals for STC:MBB:
Intrinsic Value: Projected FCF: ₫43,161.51
GF Value™: ₫22,379.96 vs. price of ₫21,050.00 (5.9% below fair value)
No single metric tells the full story. See the STC:MBB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Military Commercial Joint Stock Bank provides personal and corporate banking services in Vietnam. The company is engaged in mobilizing and receiving short. medium and long-term deposit funds from organizations and individuals; lending on a short, medium and long-term; conducting settlement and cash services and other banking services as approved by the SBV; making capital contributions. Its operating segment includes Banking and Finance; Securities - Fund Management; Insurance and Debt collection - Asset management. The company generates maximum revenue from Banking and Finance segment.
83GF Score
Get the complete analysis for STC:MBB
Intrinsic Value: Projected FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
STC:MBB has been successfully added to your 
