STC:MSB'
s Net Margin % Range Over the Past 10 Years
Min: 24.19 Med: 39.17 Max: 41.05
Current: 40.59
STC:MSB's Net Margin % is ranked better than 85.46% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs STC:MSB: 40.59
Vietnam Maritime Commercial Joint Stock Bank (STC:MSB) Net Margin % Explanation
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.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Vietnam Maritime Commercial Joint Stock Bank Net Margin % Related Terms
Vietnam Maritime Commercial Joint Stock Bank Net Margin % 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 Net Margin % Chart
Vietnam Maritime Commercial Joint Stock Bank Annual Data
Vietnam Maritime Commercial Joint Stock Bank Net Margin % Competitor Comparison
For the Banks - Regional subindustry, Vietnam Maritime Commercial Joint Stock Bank's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Banks Industry
* 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 Net Margin % of 41.32% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Vietnam Maritime Commercial Joint Stock Bank and its competitors. This is near median its historical median of 39.17. Over the past decade, Vietnam Maritime Commercial Joint Stock Bank's Net Margin % has ranged from 24.19 to 41.05. According to the industry distribution chart, Vietnam Maritime Commercial Joint Stock Bank ranks #222 out of 1527 companies in the Banks industry, placing it in the top 14.5%.
Is Vietnam Maritime Commercial Joint Stock Bank's Net Margin % too high?
Vietnam Maritime Commercial Joint Stock Bank's current Net Margin % of 41.32% is near median its 10-year median of 39.17. Over the past 10 years, this metric has ranged from a low of 24.19 to a high of 41.05. The Banks industry median Net Margin % is 26.95. Vietnam Maritime Commercial Joint Stock Bank's value of 41.32% is 53.3% above this industry median. Based on the distribution chart, Vietnam Maritime Commercial Joint Stock Bank ranks #222 out of 1527 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Vietnam Maritime Commercial Joint Stock Bank has a GF Score™ of 66/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Vietnam Maritime Commercial Joint Stock Bank's Net Margin % compare to competitors?
According to the Banks industry distribution chart, Vietnam Maritime Commercial Joint Stock Bank ranks #222 out of 1527 companies for Net Margin %. This places Vietnam Maritime Commercial Joint Stock Bank in the top 15% of its industry — outperforming the majority of peers. The industry median Net Margin % is 26.95. Vietnam Maritime Commercial Joint Stock Bank's value of 41.32% is 53.3% above this benchmark. Historically, Vietnam Maritime Commercial Joint Stock Bank's own Net Margin % has ranged from 24.19 to 41.05 over the past decade. While the company's 10-year median is 39.17 vs. the industry median of 26.95, 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.95, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % 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 Net Margin % of 41.32% is 53.3% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Vietnam Maritime Commercial Joint Stock Bank and its competitors. For the Banks industry, the median Net Margin % is 26.95 — 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 Net Margin % is 41.32%, which is near median its own 10-year median of 39.17. 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 ₫10,894.21, compared to a current price of ₫15,900.00 — trading 45.9% above its estimated fair value. The current Net Margin % is 41.32%, which is near median its 10-year median of 39.17 and 53.3% above the Banks industry median of 26.95. Vietnam Maritime Commercial Joint Stock Bank's overall GF Score™ is 66/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Vietnam Maritime Commercial Joint Stock Bank (STC:MSB), the current Net Margin % is 41.32% 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 ₫15,900.00 is trading 45.9% above its estimated GF Value™ of ₫10,894.21.
GuruFocus considers Vietnam Maritime Commercial Joint Stock Bank to be Significantly Overvalued.
Key valuation signals for STC:MSB:
Net Margin %: 41.32% (near median its 10-year median of 39.17)
GF Value™: ₫10,894.21 vs. price of ₫15,900.00 (45.9% above fair value)
Industry Position: 53.3% above the Banks median (#222 of 1527)
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 Business Description
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.
66GF Score
Get the complete analysis for STC:MSB
Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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