Joint Stock Commercial Bank for Foreign Trade of Vietnam (STC:VCB) PB Ratio: 2.19 (As of Jun. 29, 2026) — 30% Below Median


STC:VCB Joint Stock Commercial Bank for Foreign Trade of Vietnam STC:VCB
84 GF Score
Price ₫61,400.00
GF Value ₫69,831.85
Valuation Modestly Undervalued
! 1 Warning Sign
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What is Joint Stock Commercial Bank for Foreign Trade of Vietnam PB Ratio?

Joint Stock Commercial Bank for Foreign Trade of Vietnam STC:VCB 84 PB Ratio is 2.19 as of Jun. 29, 2026, which is 30% below its 10-year median of 3.13. GuruFocus rates STC:VCB with a GF Score™ of 84/100 and a GF Value™ of ₫69,831.85 (Modestly Undervalued). The stock has 1 warning sign investors should review. Among 1,519 Banks companies, Joint Stock Commercial Bank for Foreign Trade of Vietnam ranks worse than 91.11% on this metric.

The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. As of today (2026-06-29), Joint Stock Commercial Bank for Foreign Trade of Vietnam's share price is ₫61400.00. Joint Stock Commercial Bank for Foreign Trade of Vietnam's Book Value per Share for the quarter that ended in Mar. 2026 was ₫27,999.50. Hence, Joint Stock Commercial Bank for Foreign Trade of Vietnam's PB Ratio of today is 2.19.

Good Sign:

Joint Stock Commercial Bank for Foreign Trade of Vietnam stock PB Ratio (=2.19) is close to 10-year low of 2.06.

The historical rank and industry rank for Joint Stock Commercial Bank for Foreign Trade of Vietnam's PB Ratio or its related term are showing as below:

STC:VCB' s PB Ratio Range Over the Past 10 Years
Min: 2.06   Med: 3.13   Max: 5.12
Current: 2.19

During the past 13 years, Joint Stock Commercial Bank for Foreign Trade of Vietnam's highest PB Ratio was 5.12. The lowest was 2.06. And the median was 3.13.

STC:VCB's PB Ratio is ranked worse than
91.11% of 1519 companies
in the Banks industry
Industry Median: 1.09 vs STC:VCB: 2.19

During the past 12 months, Joint Stock Commercial Bank for Foreign Trade of Vietnam's average Book Value Per Share Growth Rate was 14.20% per year. During the past 3 years, the average Book Value Per Share Growth Rate was 18.30% per year. During the past 5 years, the average Book Value Per Share Growth Rate was 19.80% per year. During the past 10 years, the average Book Value Per Share Growth Rate was 18.40% per year.

During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Joint Stock Commercial Bank for Foreign Trade of Vietnam was 23.50% per year. The lowest was 2.70% per year. And the median was 18.30% per year.

Back to Basics: PB Ratio


Joint Stock Commercial Bank for Foreign Trade of Vietnam  (STC:VCB) PB Ratio Explanation

Unlike valuation ratios relative to the earning power such as PE Ratio, PE Ratio without NRI, PS Ratio, Price-to-Operating-Cash-Flow , or Price-to-Free-Cash-Flow, the PB Ratio measures the valuation of the stock relative to the underlying asset of the company.

The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.


Be Aware

Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.


Joint Stock Commercial Bank for Foreign Trade of Vietnam PB Ratio Related Terms


Joint Stock Commercial Bank for Foreign Trade of Vietnam PB Ratio Historical Data

* Premium members only.

The historical data trend for Joint Stock Commercial Bank for Foreign Trade of Vietnam's PB Ratio 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 PB Ratio Chart

Joint Stock Commercial Bank for Foreign Trade of Vietnam Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
PB Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 3.42 2.79 2.72 2.60 2.14

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
PB Ratio 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 2.61 2.23 2.35 2.14 2.08

Joint Stock Commercial Bank for Foreign Trade of Vietnam PB Ratio Competitor Comparison

For the Banks - Regional subindustry, Joint Stock Commercial Bank for Foreign Trade of Vietnam's PB Ratio, along with its competitors' market caps and PB Ratio 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.


Joint Stock Commercial Bank for Foreign Trade of Vietnam PB Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Joint Stock Commercial Bank for Foreign Trade of Vietnam's PB Ratio distribution charts can be found below:

* The bar in red indicates where Joint Stock Commercial Bank for Foreign Trade of Vietnam's PB Ratio falls into.


STC:VCB
84GF Score
Joint Stock Commercial Bank for Foreign Trade of Vietnam STC:VCB
PB Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Joint Stock Commercial Bank for Foreign Trade of Vietnam PB Ratio Calculation

The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.

Joint Stock Commercial Bank for Foreign Trade of Vietnam's PB Ratio for today is calculated as follows:

PB Ratio=Share Price/Book Value per Share (Q: Mar. 2026)
=61400.00/27999.499
=2.19

* 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.

It can also be calculated from the numbers for the whole company:

A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.

Frequently Asked Questions Learn more about PB Ratio →
What does a PB Ratio of 2.19 mean?
Joint Stock Commercial Bank for Foreign Trade of Vietnam (STC:VCB) has a PB Ratio of 2.19 as of Jun. 29, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Joint Stock Commercial Bank for Foreign Trade of Vietnam and its competitors. This is 30% below median its historical median of 3.13. Over the past decade, Joint Stock Commercial Bank for Foreign Trade of Vietnam's PB Ratio has ranged from 2.06 to 5.12. According to the industry distribution chart, Joint Stock Commercial Bank for Foreign Trade of Vietnam ranks #1384 out of 1519 companies in the Banks industry, placing it in the top 91.1%.
Is Joint Stock Commercial Bank for Foreign Trade of Vietnam's PB Ratio too high?
Joint Stock Commercial Bank for Foreign Trade of Vietnam's current PB Ratio of 2.19 is 30% below median its 10-year median of 3.13. Over the past 10 years, this metric has ranged from a low of 2.06 to a high of 5.12. The Banks industry median PB Ratio is 1.09. Joint Stock Commercial Bank for Foreign Trade of Vietnam's value of 2.19 is 100.9% above this industry median. Based on the distribution chart, Joint Stock Commercial Bank for Foreign Trade of Vietnam ranks #1384 out of 1519 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 PB Ratio compare to competitors?
According to the Banks industry distribution chart, Joint Stock Commercial Bank for Foreign Trade of Vietnam ranks #1384 out of 1519 companies for PB Ratio. This places Joint Stock Commercial Bank for Foreign Trade of Vietnam in the lower half of its industry. The industry median PB Ratio is 1.09. Joint Stock Commercial Bank for Foreign Trade of Vietnam's value of 2.19 is 100.9% above this benchmark. Historically, Joint Stock Commercial Bank for Foreign Trade of Vietnam's own PB Ratio has ranged from 2.06 to 5.12 over the past decade. While the company's 10-year median is 3.13 vs. the industry median of 1.09, Joint Stock Commercial Bank for Foreign Trade of Vietnam 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.09, based on 1,519 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Joint Stock Commercial Bank for Foreign Trade of Vietnam's current PB Ratio of 2.19 is 100.9% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Joint Stock Commercial Bank for Foreign Trade of Vietnam and its competitors. For the Banks industry, the median PB Ratio is 1.09 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Joint Stock Commercial Bank for Foreign Trade of Vietnam's current PB Ratio is 2.19, which is 30% below median its own 10-year median of 3.13. 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 ₫69,831.85, compared to a current price of ₫61,400.00 — trading 12.1% below its estimated fair value. The current PB Ratio is 2.19, which is 30% below median its 10-year median of 3.13 and 100.9% above the Banks industry median of 1.09. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Joint Stock Commercial Bank for Foreign Trade of Vietnam (STC:VCB), the current PB Ratio is 2.19 as of Jun. 29, 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 ₫61,400.00 is trading 12.1% below its estimated GF Value™ of ₫69,831.85. GuruFocus considers Joint Stock Commercial Bank for Foreign Trade of Vietnam to be Modestly Undervalued.

Key valuation signals for STC:VCB:

  • PB Ratio: 2.19 (30% below median its 10-year median of 3.13)
  • GF Value™: ₫69,831.85 vs. price of ₫61,400.00 (12.1% below fair value)
  • GF Score™: 84/100 with 1 warning sign
  • Industry Position: 100.9% above the Banks median (#1384 of 1519)

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

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

₫61,400.00
Price
₫69,831.85
GF Value