Joint Stock Commercial Bank for Foreign Trade of Vietnam (STC:VCB) Net Income: ₫35,938,492 Mil (TTM As of Mar. 2026)


STC:VCB Joint Stock Commercial Bank for Foreign Trade of Vietnam STC:VCB
84 GF Score
Price ₫61,200.00
GF Value ₫70,154.77
Valuation Modestly Undervalued
! 1 Warning Sign
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What is Joint Stock Commercial Bank for Foreign Trade of Vietnam Net Income?

Joint Stock Commercial Bank for Foreign Trade of Vietnam STC:VCB -1.29% 84 Net Income is ₫35,938,492 Mil as of Mar. 2026. GuruFocus rates STC:VCB with a GF Score™ of 84/100 and a GF Value™ of ₫70,154.77 (Modestly Undervalued). The stock has 1 warning sign investors should review.

Net Income is the net profit that a company earns after deducting all costs and losses including cost of goods, SGA, DDA, interest expenses, non-recurring items and tax. Joint Stock Commercial Bank for Foreign Trade of Vietnam's Net Income for the three months ended in Mar. 2026 was ₫9,456,566 Mil. Its Net Income for the trailing twelve months (TTM) ended in Mar. 2026 was ₫35,938,492 Mil.

Net Income is linked to the most popular Earnings per Share (Diluted) number. Joint Stock Commercial Bank for Foreign Trade of Vietnam's Earnings per Share (Diluted) for the three months ended in Mar. 2026 was ₫1,131.75.


Joint Stock Commercial Bank for Foreign Trade of Vietnam  (STC:VCB) Net Income Explanation

Net Income is the most widely cited number in reporting a company's profitability. It is linked to the most popular earnings-per-share (EPS) number through:

Joint Stock Commercial Bank for Foreign Trade of Vietnam's Earnings per Share (Diluted) (EPS) for the quarter that ended in Mar. 2026 is calculated as

* 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.

Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.

EPS is most useful for companies that have:

A predictable business
Consistent accounting methods
And few restructurings

The dividend paid to preferred stocks needs to be subtracted from the total net income in the calculation of EPS because common stock holders are not entitled to that part of the net income.


Be Aware

Warren Buffett looks for consistency and upward long term trend. Because of share repurchase it is possible for net earnings trend to differ from EPS trend. He preferred Net Income over EPS. The companies with durable competitive advantage companies report higher % net earnings to total revenues.

Important: If a company is showing net earnings history greater than 20% on total revenues, it is probably benefiting from a long term competitive advantage.

If net earnings is less than 10%, likely to be in a highly competitive business.


Joint Stock Commercial Bank for Foreign Trade of Vietnam Net Income Related Terms


Joint Stock Commercial Bank for Foreign Trade of Vietnam Net Income Historical Data

* Premium members only.

The historical data trend for Joint Stock Commercial Bank for Foreign Trade of Vietnam's Net Income 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.

Joint Stock Commercial Bank for Foreign Trade of Vietnam Net Income Chart

Joint Stock Commercial Bank for Foreign Trade of Vietnam Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Income
Get a 7-Day Free Trial Premium Member Only Premium Member Only 21,996,601.00 29,899,014.00 33,101,027.00 33,831,386.00 35,177,663.00

Joint Stock Commercial Bank for Foreign Trade of Vietnam Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Net Income Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 8,696,229.00 8,831,885.00 9,020,499.00 8,629,542.00 9,456,566.00
STC:VCB
84GF Score
Joint Stock Commercial Bank for Foreign Trade of Vietnam STC:VCB
Net Income is just one metric. See GF Score™, valuation, warning signs, and more.
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Joint Stock Commercial Bank for Foreign Trade of Vietnam Net Income Calculation

Net Income is the net profit that a company earns after deducting all costs and losses including cost of goods, SGA, DDA, interest expenses, non-recurring items and tax.

Net Income
= Revenue - Cost of Goods Sold - Selling, General, & Admin. Expense - Research & Development - Depreciation, Depletion and Amortization - Interest Expense - Non Operating Income (NRI) - Tax Expense + Others
= EBITDA - Depreciation, Depletion and Amortization - Interest Expense - Non Operating Income (NRI) - Tax Expense + Others
= Operating Income - Interest Expense - Non Operating Income (NRI) - Tax Expense + Others
= Pre-Tax Income - Tax Expense + Others

Joint Stock Commercial Bank for Foreign Trade of Vietnam's Net Income for the fiscal year that ended in Dec. 2025 is calculated as

Net Income(A: Dec. 2025 )
= Pre-Tax Income + Tax Provision + Net Income (Discontinued Operations) + Others
=44019637+-8821697+0+-20277
=35,177,663

Joint Stock Commercial Bank for Foreign Trade of Vietnam's Net Income for the quarter that ended in Mar. 2026 is calculated as

Net Income(Q: Mar. 2026 )
= Pre-Tax Income + Tax Provision + Net Income (Discontinued Operations) + Others
=11802653+-2340558+0+-5529
=9,456,566

Net Income for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₫35,938,492 Mil.

* 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.

Frequently Asked Questions Learn more about Net Income →
What does a Net Income of ₫35,938,492 Mil mean?
Joint Stock Commercial Bank for Foreign Trade of Vietnam (STC:VCB) has a Net Income of ₫35,938,492 Mil as of Mar. 2026. Net Income is the total earnings after all operating expenses, interest and taxes. View historical data on Joint Stock Commercial Bank for Foreign Trade of Vietnam and its competitors.
Is Joint Stock Commercial Bank for Foreign Trade of Vietnam's Net Income too high?
Joint Stock Commercial Bank for Foreign Trade of Vietnam's current Net Income is ₫35,938,492 Mil. Overall, Joint Stock Commercial Bank for Foreign Trade of Vietnam has a GF Score™ of 84/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Joint Stock Commercial Bank for Foreign Trade of Vietnam's Net Income compare to competitors?
Joint Stock Commercial Bank for Foreign Trade of Vietnam's Net Income of ₫35,938,492 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Income for a Banks company?
A good Net Income depends on the Banks industry context. However, Net Income 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 Net Income mean?
A high Net Income can signal that a stock is expensive relative to its fundamentals. Net Income is the total earnings after all operating expenses, interest and taxes. View historical data on Joint Stock Commercial Bank for Foreign Trade of Vietnam and its competitors. Joint Stock Commercial Bank for Foreign Trade of Vietnam's current Net Income is ₫35,938,492 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Joint Stock Commercial Bank for Foreign Trade of Vietnam stock overvalued right now?
Based on GuruFocus' analysis, Joint Stock Commercial Bank for Foreign Trade of Vietnam (STC:VCB) is currently considered Modestly Undervalued. The stock's GF Value™ is ₫70,154.77, compared to a current price of ₫61,200.00 — trading 12.8% below its estimated fair value. The current Net Income is ₫35,938,492 Mil. Joint Stock Commercial Bank for Foreign Trade of Vietnam's overall GF Score™ is 84/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Income calculated?
Net Income is calculated from a company's financial statements. For Joint Stock Commercial Bank for Foreign Trade of Vietnam (STC:VCB), the current Net Income is ₫35,938,492 Mil 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 Joint Stock Commercial Bank for Foreign Trade of Vietnam (STC:VCB) Overvalued in 2026?

Based on GuruFocus' analysis, Joint Stock Commercial Bank for Foreign Trade of Vietnam stock appears to be undervalued. The current stock price of ₫61,200.00 is trading 12.8% below its estimated GF Value™ of ₫70,154.77. GuruFocus considers Joint Stock Commercial Bank for Foreign Trade of Vietnam to be Modestly Undervalued.

Key valuation signals for STC:VCB:

  • Net Income: ₫35,938,492 Mil
  • GF Value™: ₫70,154.77 vs. price of ₫61,200.00 (12.8% below fair value)
  • GF Score™: 84/100 with 1 warning sign

No single metric tells the full story. See the STC:VCB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Joint Stock Commercial Bank for Foreign Trade of Vietnam Business Description

Other Exchanges VCB11:Thailand
Address No. 198 Tran Quang Khai Street, Hoan Kiem District, Ha Noi, VNM
Joint Stock Commercial Bank for Foreign Trade of Vietnam is a a state-owned commercial bank. Its activities include selling gold bars; mobilizing and receiving short, medium and long-term deposits from organizations and individuals; lending to organizations and individuals up to the nature and capability of the bank's capital resources; conducting settlement and cash services; providing other banking services. Its personal banking services include Account Services, Digital Banking Services, Cards, Loans, Savings, Insurance, Investments, and Money Transfer Services. Institutional banking provides SME banking, and corporate banking.
84GF Score

Get the complete analysis for STC:VCB

Net Income is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₫61,200.00
Price
₫70,154.77
GF Value