Bac A Commercial Joint Stock Bank (HSTC:BAB) PB Ratio: 1.02 (As of Jun. 26, 2026) — Near Median


HSTC:BAB Bac A Commercial Joint Stock Bank HSTC:BAB
70 GF Score
Price ₫12,000.00
GF Value ₫11,714.95
Valuation Fairly Valued
! 2 Warning Signs
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What is Bac A Commercial Joint Stock Bank PB Ratio?

Bac A Commercial Joint Stock Bank HSTC:BAB +0.78% 70 PB Ratio is 1.02 as of Jun. 26, 2026, which is 5% below its 10-year median of 1.07. GuruFocus rates HSTC:BAB with a GF Score™ of 70/100 and a GF Value™ of ₫11,714.95 (Fairly Valued). The stock has 2 warning signs investors should review. Among 1,515 Banks companies, Bac A Commercial Joint Stock Bank ranks better than 61.91% 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 (2026-06-26), Bac A Commercial Joint Stock Bank's share price is ₫12000.00. Bac A Commercial Joint Stock Bank's Book Value per Share for the quarter that ended in Mar. 2026 was ₫11,807.61. Hence, Bac A Commercial Joint Stock Bank's PB Ratio of today is 1.02.

The historical rank and industry rank for Bac A Commercial Joint Stock Bank's PB Ratio or its related term are showing as below:

HSTC:BAB' s PB Ratio Range Over the Past 10 Years
Min: 0.86   Med: 1.07   Max: 3
Current: 1.02

During the past 6 years, Bac A Commercial Joint Stock Bank's highest PB Ratio was 3.00. The lowest was 0.86. And the median was 1.07.

HSTC:BAB's PB Ratio is ranked better than
61.91% of 1515 companies
in the Banks industry
Industry Median: 1.08 vs HSTC:BAB: 1.02

During the past 12 months, Bac A Commercial Joint Stock Bank's average Book Value Per Share Growth Rate was 9.40% per year. During the past 3 years, the average Book Value Per Share Growth Rate was 6.00% per year. During the past 5 years, the average Book Value Per Share Growth Rate was 8.30% per year.

During the past 6 years, the highest 3-Year average Book Value Per Share Growth Rate of Bac A Commercial Joint Stock Bank was 8.30% per year. The lowest was 6.00% per year. And the median was 8.20% per year.

Back to Basics: PB Ratio


Bac A Commercial Joint Stock Bank  (HSTC:BAB) 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.


Bac A Commercial Joint Stock Bank PB Ratio Related Terms


Bac A Commercial Joint Stock Bank PB Ratio Historical Data

* Premium members only.

The historical data trend for Bac A Commercial Joint Stock Bank'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.

Bac A Commercial Joint Stock Bank PB Ratio Chart

Bac A Commercial Joint Stock Bank Annual Data
Trend Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
PB Ratio
Get a 7-Day Free Trial 1.88 1.01 0.97 0.91 0.92

Bac A Commercial Joint Stock Bank 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 0.94 0.96 1.09 0.92 0.87

Bac A Commercial Joint Stock Bank PB Ratio Competitor Comparison

For the Banks - Regional subindustry, Bac A Commercial Joint Stock Bank'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.


Bac A Commercial Joint Stock Bank PB Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Bac A Commercial Joint Stock Bank's PB Ratio distribution charts can be found below:

* The bar in red indicates where Bac A Commercial Joint Stock Bank's PB Ratio falls into.


HSTC:BAB
70GF Score
Bac A Commercial Joint Stock Bank HSTC:BAB
PB Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
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Bac A Commercial Joint Stock Bank 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.

Bac A Commercial Joint Stock Bank's PB Ratio for today is calculated as follows:

PB Ratio=Share Price/Book Value per Share (Q: Mar. 2026)
=12000.00/11807.606
=1.02

* 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 1.02 mean?
Bac A Commercial Joint Stock Bank (HSTC:BAB) has a PB Ratio of 1.02 as of Jun. 26, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Bac A Commercial Joint Stock Bank and its competitors. This is near median its historical median of 1.07. Over the past decade, Bac A Commercial Joint Stock Bank's PB Ratio has ranged from 0.86 to 3.00. According to the industry distribution chart, Bac A Commercial Joint Stock Bank ranks #577 out of 1515 companies in the Banks industry, placing it in the top 38.1%.
Is Bac A Commercial Joint Stock Bank's PB Ratio too high?
Bac A Commercial Joint Stock Bank's current PB Ratio of 1.02 is near median its 10-year median of 1.07. Over the past 10 years, this metric has ranged from a low of 0.86 to a high of 3.00. The Banks industry median PB Ratio is 1.08. Bac A Commercial Joint Stock Bank's value of 1.02 is 5.6% below this industry median. Based on the distribution chart, Bac A Commercial Joint Stock Bank ranks #577 out of 1515 companies in the Banks industry, which is above the industry midpoint. Overall, Bac A Commercial Joint Stock Bank has a GF Score™ of 70/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Bac A Commercial Joint Stock Bank's PB Ratio compare to competitors?
According to the Banks industry distribution chart, Bac A Commercial Joint Stock Bank ranks #577 out of 1515 companies for PB Ratio. This puts Bac A Commercial Joint Stock Bank in the upper half of its industry. The industry median PB Ratio is 1.08. Bac A Commercial Joint Stock Bank's value of 1.02 is 5.6% below this benchmark. Historically, Bac A Commercial Joint Stock Bank's own PB Ratio has ranged from 0.86 to 3.00 over the past decade. While the company's 10-year median is 1.07 vs. the industry median of 1.08, Bac A Commercial Joint Stock Bank has consistently been below 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 1.08, based on 1,515 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. Bac A Commercial Joint Stock Bank's current PB Ratio of 1.02 is 5.6% below 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 Bac A Commercial Joint Stock Bank and its competitors. For the Banks industry, the median PB Ratio is 1.08 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bac A Commercial Joint Stock Bank's current PB Ratio is 1.02, which is near median its own 10-year median of 1.07. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bac A Commercial Joint Stock Bank stock overvalued right now?
Based on GuruFocus' analysis, Bac A Commercial Joint Stock Bank (HSTC:BAB) is currently considered Fairly Valued. The stock's GF Value™ is ₫11,714.95, compared to a current price of ₫12,000.00 — trading 2.4% above its estimated fair value. The current PB Ratio is 1.02, which is near median its 10-year median of 1.07 and 5.6% below the Banks industry median of 1.08. Bac A Commercial Joint Stock Bank's overall GF Score™ is 70/100 with 2 warning signs 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 Bac A Commercial Joint Stock Bank (HSTC:BAB), the current PB Ratio is 1.02 as of Jun. 26, 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 Bac A Commercial Joint Stock Bank (HSTC:BAB) Overvalued in 2026?

Based on GuruFocus' analysis, Bac A Commercial Joint Stock Bank stock appears to be overvalued. The current stock price of ₫12,000.00 is trading 2.4% above its estimated GF Value™ of ₫11,714.95. GuruFocus considers Bac A Commercial Joint Stock Bank to be Fairly Valued.

Key valuation signals for HSTC:BAB:

  • PB Ratio: 1.02 (near median its 10-year median of 1.07)
  • GF Value™: ₫11,714.95 vs. price of ₫12,000.00 (2.4% above fair value)
  • GF Score™: 70/100 with 2 warning signs
  • Industry Position: 5.6% below the Banks median (#577 of 1515)

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


Bac A Commercial Joint Stock Bank Business Description

Address No. 117, Quang Trung Street, Quang Trung Ward, Nghe An Province, Vinh, VNM
Bac A Commercial Joint Stock Bank provides banking services like commercial banking products and services-including deposits, loans, and, international payments-to individual and institutional clients, with a specialized focus on investing in high-tech agriculture, health, and education sectors. The company's services include Guarantee service; Payment deposit; Trade finance; Insurance; Overseas and domestic fast money transfers and others.
70GF Score

Get the complete analysis for HSTC:BAB

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

₫12,000.00
Price
₫11,714.95
GF Value