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HSTC:NVB's PB Ratio is ranked worse than 87.17% of 1520
companies
in the Banks industry
Industry Median: 1.11
vs HSTC:NVB: 1.92
During the past 12 months, National Citizen Commercial Joint Stock Bank's average Book Value Per Share Growth Rate was 35.00% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was -12.00% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was -5.30% per year.
During the past 12 years, the highest 3-Year average Book Value Per Share Growth Rate of National Citizen Commercial Joint Stock Bank was 15.20% per year. The lowest was -20.90% per year. And the median was -0.80% per year.
Back to Basics: PB Ratio
National Citizen Commercial Joint Stock Bank (HSTC:NVB) PB Ratio Explanation
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.
National Citizen Commercial Joint Stock Bank PB Ratio Related Terms
National Citizen Commercial Joint Stock Bank PB Ratio 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.
National Citizen Commercial Joint Stock Bank PB Ratio Chart
National Citizen Commercial Joint Stock Bank Annual Data
* 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.
National Citizen Commercial Joint Stock Bank PB Ratio vs Banks Industry
National Citizen 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.
* 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.
National Citizen Commercial Joint Stock Bank (HSTC:NVB) has a PB Ratio of 1.83 as of Jul. 14, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on National Citizen Commercial Joint Stock Bank and its competitors. This is 46% above median its historical median of 1.25. Over the past decade, National Citizen Commercial Joint Stock Bank's PB Ratio has ranged from 0.62 to 3.72. According to the industry distribution chart, National Citizen Commercial Joint Stock Bank ranks #1325 out of 1520 companies in the Banks industry, placing it in the top 87.2%.
Is National Citizen Commercial Joint Stock Bank's PB Ratio too high?
National Citizen Commercial Joint Stock Bank's current PB Ratio of 1.83 is 46% above median its 10-year median of 1.25. Over the past 10 years, this metric has ranged from a low of 0.62 to a high of 3.72. The Banks industry median PB Ratio is 1.11. National Citizen Commercial Joint Stock Bank's value of 1.83 is 64.9% above this industry median. Based on the distribution chart, National Citizen Commercial Joint Stock Bank ranks #1325 out of 1520 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, National Citizen Commercial Joint Stock Bank has a GF Score™ of 28/100, reflecting its overall financial health beyond just this single metric.
How does National Citizen Commercial Joint Stock Bank's PB Ratio compare to competitors?
According to the Banks industry distribution chart, National Citizen Commercial Joint Stock Bank ranks #1325 out of 1520 companies for PB Ratio. This places National Citizen Commercial Joint Stock Bank in the lower half of its industry. The industry median PB Ratio is 1.11. National Citizen Commercial Joint Stock Bank's value of 1.83 is 64.9% above this benchmark. Historically, National Citizen Commercial Joint Stock Bank's own PB Ratio has ranged from 0.62 to 3.72 over the past decade. While the company's 10-year median is 1.25 vs. the industry median of 1.11, National Citizen 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.11, based on 1,520 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. National Citizen Commercial Joint Stock Bank's current PB Ratio of 1.83 is 64.9% 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 National Citizen Commercial Joint Stock Bank and its competitors. For the Banks industry, the median PB Ratio is 1.11 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. National Citizen Commercial Joint Stock Bank's current PB Ratio is 1.83, which is 46% above median its own 10-year median of 1.25. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is National Citizen Commercial Joint Stock Bank stock overvalued right now?
National Citizen Commercial Joint Stock Bank (HSTC:NVB) has a current PB Ratio of 1.83. The current PB Ratio is 1.83, which is 46% above median its 10-year median of 1.25 and 64.9% above the Banks industry median of 1.11. National Citizen Commercial Joint Stock Bank's overall GF Score™ is 28/100 with 4 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 National Citizen Commercial Joint Stock Bank (HSTC:NVB), the current PB Ratio is 1.83 as of Jul. 14, 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.
National Citizen Commercial Joint Stock Bank Business Description
National Citizen Commercial Joint Stock Bank is a Vietnam based company engaged in offering various banking services. It offers banking services to both personal and corporate customers. The portfolio of facilities includes transaction account, term deposit, credit facilities, foreign exchange products, international payments services, e-banking service, card products, treasury service and insurance service, among others.
28GF Score
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