STC:CTG's PB Ratio is ranked worse than 71.76% of 1519
companies
in the Banks industry
Industry Median: 1.09
vs STC:CTG: 1.39
During the past 12 months, Viet Nam Joint Stock Commercial Bank For Industry And Trade's average Book Value Per Share Growth Rate was 22.60% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 18.40% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 16.20% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 12.10% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Viet Nam Joint Stock Commercial Bank For Industry And Trade was 20.00% per year. The lowest was 3.60% per year. And the median was 11.70% per year.
Back to Basics: PB Ratio
Viet Nam Joint Stock Commercial Bank For Industry And Trade (STC:CTG) 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.
Viet Nam Joint Stock Commercial Bank For Industry And Trade PB Ratio Related Terms
Viet Nam Joint Stock Commercial Bank For Industry And Trade 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.
Viet Nam Joint Stock Commercial Bank For Industry And Trade PB Ratio Chart
Viet Nam Joint Stock Commercial Bank For Industry And Trade 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.
Viet Nam Joint Stock Commercial Bank For Industry And Trade PB Ratio vs Banks Industry
Viet Nam Joint Stock Commercial Bank For Industry And Trade 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.
Viet Nam Joint Stock Commercial Bank For Industry And Trade (STC:CTG) has a PB Ratio of 1.39 as of Jun. 28, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Viet Nam Joint Stock Commercial Bank For Industry And Trade and its competitors. This is near median its historical median of 1.31. Over the past decade, Viet Nam Joint Stock Commercial Bank For Industry And Trade's PB Ratio has ranged from 0.89 to 2.20. According to the industry distribution chart, Viet Nam Joint Stock Commercial Bank For Industry And Trade ranks #1090 out of 1519 companies in the Banks industry, placing it in the top 71.8%.
Is Viet Nam Joint Stock Commercial Bank For Industry And Trade's PB Ratio too high?
Viet Nam Joint Stock Commercial Bank For Industry And Trade's current PB Ratio of 1.39 is near median its 10-year median of 1.31. Over the past 10 years, this metric has ranged from a low of 0.89 to a high of 2.20. The Banks industry median PB Ratio is 1.09. Viet Nam Joint Stock Commercial Bank For Industry And Trade's value of 1.39 is 27.5% above this industry median. Based on the distribution chart, Viet Nam Joint Stock Commercial Bank For Industry And Trade ranks #1090 out of 1519 companies in the Banks industry, which is below the industry midpoint. Overall, Viet Nam Joint Stock Commercial Bank For Industry And Trade has a GF Score™ of 72/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Viet Nam Joint Stock Commercial Bank For Industry And Trade's PB Ratio compare to competitors?
According to the Banks industry distribution chart, Viet Nam Joint Stock Commercial Bank For Industry And Trade ranks #1090 out of 1519 companies for PB Ratio. This places Viet Nam Joint Stock Commercial Bank For Industry And Trade in the lower half of its industry. The industry median PB Ratio is 1.09. Viet Nam Joint Stock Commercial Bank For Industry And Trade's value of 1.39 is 27.5% above this benchmark. Historically, Viet Nam Joint Stock Commercial Bank For Industry And Trade's own PB Ratio has ranged from 0.89 to 2.20 over the past decade. While the company's 10-year median is 1.31 vs. the industry median of 1.09, Viet Nam Joint Stock Commercial Bank For Industry And Trade 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. Viet Nam Joint Stock Commercial Bank For Industry And Trade's current PB Ratio of 1.39 is 27.5% 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 Viet Nam Joint Stock Commercial Bank For Industry And Trade 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. Viet Nam Joint Stock Commercial Bank For Industry And Trade's current PB Ratio is 1.39, which is near median its own 10-year median of 1.31. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Viet Nam Joint Stock Commercial Bank For Industry And Trade stock overvalued right now?
Based on GuruFocus' analysis, Viet Nam Joint Stock Commercial Bank For Industry And Trade (STC:CTG) is currently considered Fairly Valued. The stock's GF Value™ is ₫32,002.62, compared to a current price of ₫33,600.00 — trading 5% above its estimated fair value. The current PB Ratio is 1.39, which is near median its 10-year median of 1.31 and 27.5% above the Banks industry median of 1.09. Viet Nam Joint Stock Commercial Bank For Industry And Trade's overall GF Score™ is 72/100. 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 Viet Nam Joint Stock Commercial Bank For Industry And Trade (STC:CTG), the current PB Ratio is 1.39 as of Jun. 28, 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 Viet Nam Joint Stock Commercial Bank For Industry And Trade (STC:CTG) Overvalued in 2026?
Based on GuruFocus' analysis, Viet Nam Joint Stock Commercial Bank For Industry And Trade stock appears to be overvalued.
The current stock price of ₫33,600.00 is trading 5% above its estimated GF Value™ of ₫32,002.62.
GuruFocus considers Viet Nam Joint Stock Commercial Bank For Industry And Trade to be Fairly Valued.
Key valuation signals for STC:CTG:
PB Ratio: 1.39 (near median its 10-year median of 1.31)
GF Value™: ₫32,002.62 vs. price of ₫33,600.00 (5% above fair value)
Industry Position: 27.5% above the Banks median (#1090 of 1519)
No single metric tells the full story. See the STC:CTG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Viet Nam Joint Stock Commercial Bank For Industry And Trade Business Description
Viet Nam Joint Stock Commercial Bank For Industry And Trade is a Vietnam based banking service provider. The company's operating segment include Banking financial services, Non-banking financial services, and Others. It generates maximum revenue from the Banking financial services segment. The company provides banking services including mobilizing and receiving short, medium and long-term deposits from organizations or individuals; making short, medium and long term loans and advances to organizations and individuals; conducting foreign exchange transactions, international trade finance services, discounting of commercial papers, bonds and other valuable papers and other services.
72GF Score
Get the complete analysis for STC:CTG
PB Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
STC:CTG has been successfully added to your 
