Loc Phat Vietnam Commercial Joint Stock Bank (STC:LPB) PB Ratio: 3.35 (As of Jun. 24, 2026) — 128% Above Median


STC:LPB Loc Phat Vietnam Commercial Joint Stock Bank STC:LPB
68 GF Score
Price ₫55,500.00
GF Value ₫30,151.73
Valuation Significantly Overvalued
! 1 Warning Sign
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What is Loc Phat Vietnam Commercial Joint Stock Bank PB Ratio?

Loc Phat Vietnam Commercial Joint Stock Bank STC:LPB +5.51% 68 PB Ratio is 3.35 as of Jun. 24, 2026, which is 128% above its 10-year median of 1.47. GuruFocus rates STC:LPB with a GF Score™ of 68/100 and a GF Value™ of ₫30,151.73 (Significantly Overvalued). The stock has 1 warning sign investors should review. Among 1,516 Banks companies, Loc Phat Vietnam Commercial Joint Stock Bank ranks worse than 96.17% 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 (2026-06-24), Loc Phat Vietnam Commercial Joint Stock Bank's share price is ₫55500.00. Loc Phat Vietnam Commercial Joint Stock Bank's Book Value per Share for the quarter that ended in Mar. 2026 was ₫16,560.76. Hence, Loc Phat Vietnam Commercial Joint Stock Bank's PB Ratio of today is 3.35.

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

STC:LPB' s PB Ratio Range Over the Past 10 Years
Min: 0.65   Med: 1.47   Max: 3.57
Current: 3.36

During the past 8 years, Loc Phat Vietnam Commercial Joint Stock Bank's highest PB Ratio was 3.57. The lowest was 0.65. And the median was 1.47.

STC:LPB's PB Ratio is ranked worse than
96.17% of 1516 companies
in the Banks industry
Industry Median: 1.08 vs STC:LPB: 3.36

During the past 12 months, Loc Phat Vietnam Commercial Joint Stock Bank's average Book Value Per Share Growth Rate was 7.80% per year. During the past 3 years, the average Book Value Per Share Growth Rate was 21.00% per year. During the past 5 years, the average Book Value Per Share Growth Rate was 23.30% per year.

During the past 8 years, the highest 3-Year average Book Value Per Share Growth Rate of Loc Phat Vietnam Commercial Joint Stock Bank was 28.00% per year. The lowest was 21.00% per year. And the median was 23.00% per year.

Back to Basics: PB Ratio


Loc Phat Vietnam Commercial Joint Stock Bank  (STC:LPB) 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.


Loc Phat Vietnam Commercial Joint Stock Bank PB Ratio Related Terms


Loc Phat Vietnam Commercial Joint Stock Bank PB Ratio Historical Data

* Premium members only.

The historical data trend for Loc Phat Vietnam 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.

Loc Phat Vietnam Commercial Joint Stock Bank PB Ratio Chart

Loc Phat Vietnam Commercial Joint Stock Bank Annual Data
Trend Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
PB Ratio
Get a 7-Day Free Trial 1.62 0.94 1.18 2.15 2.65

Loc Phat Vietnam 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 2.17 2.37 3.29 2.65 2.53

Loc Phat Vietnam Commercial Joint Stock Bank PB Ratio Competitor Comparison

For the Banks - Regional subindustry, Loc Phat Vietnam 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.


Loc Phat Vietnam Commercial Joint Stock Bank PB Ratio vs Banks Industry

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

* The bar in red indicates where Loc Phat Vietnam Commercial Joint Stock Bank's PB Ratio falls into.


STC:LPB
68GF Score
Loc Phat Vietnam Commercial Joint Stock Bank STC:LPB
PB Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
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Loc Phat Vietnam 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.

Loc Phat Vietnam Commercial Joint Stock Bank's PB Ratio for today is calculated as follows:

PB Ratio=Share Price/Book Value per Share (Q: Mar. 2026)
=55500.00/16560.762
=3.35

* 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 3.35 mean?
Loc Phat Vietnam Commercial Joint Stock Bank (STC:LPB) has a PB Ratio of 3.35 as of Jun. 24, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Loc Phat Vietnam Commercial Joint Stock Bank and its competitors. This is 128% above median its historical median of 1.47. Over the past decade, Loc Phat Vietnam Commercial Joint Stock Bank's PB Ratio has ranged from 0.65 to 3.57. According to the industry distribution chart, Loc Phat Vietnam Commercial Joint Stock Bank ranks #1458 out of 1516 companies in the Banks industry, placing it in the top 96.2%.
Is Loc Phat Vietnam Commercial Joint Stock Bank's PB Ratio too high?
Loc Phat Vietnam Commercial Joint Stock Bank's current PB Ratio of 3.35 is 128% above median its 10-year median of 1.47. Over the past 10 years, this metric has ranged from a low of 0.65 to a high of 3.57. The Banks industry median PB Ratio is 1.08. Loc Phat Vietnam Commercial Joint Stock Bank's value of 3.35 is 210.2% above this industry median. Based on the distribution chart, Loc Phat Vietnam Commercial Joint Stock Bank ranks #1458 out of 1516 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Loc Phat Vietnam Commercial Joint Stock Bank has a GF Score™ of 68/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Loc Phat Vietnam Commercial Joint Stock Bank's PB Ratio compare to competitors?
According to the Banks industry distribution chart, Loc Phat Vietnam Commercial Joint Stock Bank ranks #1458 out of 1516 companies for PB Ratio. This places Loc Phat Vietnam Commercial Joint Stock Bank in the lower half of its industry. The industry median PB Ratio is 1.08. Loc Phat Vietnam Commercial Joint Stock Bank's value of 3.35 is 210.2% above this benchmark. Historically, Loc Phat Vietnam Commercial Joint Stock Bank's own PB Ratio has ranged from 0.65 to 3.57 over the past decade. While the company's 10-year median is 1.47 vs. the industry median of 1.08, Loc Phat Vietnam 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 1.08, based on 1,516 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. Loc Phat Vietnam Commercial Joint Stock Bank's current PB Ratio of 3.35 is 210.2% 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 Loc Phat Vietnam 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. Loc Phat Vietnam Commercial Joint Stock Bank's current PB Ratio is 3.35, which is 128% above median its own 10-year median of 1.47. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Loc Phat Vietnam Commercial Joint Stock Bank stock overvalued right now?
Based on GuruFocus' analysis, Loc Phat Vietnam Commercial Joint Stock Bank (STC:LPB) is currently considered Significantly Overvalued. The stock's GF Value™ is ₫30,151.73, compared to a current price of ₫55,500.00 — trading 84.1% above its estimated fair value. The current PB Ratio is 3.35, which is 128% above median its 10-year median of 1.47 and 210.2% above the Banks industry median of 1.08. Loc Phat Vietnam Commercial Joint Stock Bank's overall GF Score™ is 68/100 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 Loc Phat Vietnam Commercial Joint Stock Bank (STC:LPB), the current PB Ratio is 3.35 as of Jun. 24, 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 Loc Phat Vietnam Commercial Joint Stock Bank (STC:LPB) Overvalued in 2026?

Based on GuruFocus' analysis, Loc Phat Vietnam Commercial Joint Stock Bank stock appears to be overvalued. The current stock price of ₫55,500.00 is trading 84.1% above its estimated GF Value™ of ₫30,151.73. GuruFocus considers Loc Phat Vietnam Commercial Joint Stock Bank to be Significantly Overvalued.

Key valuation signals for STC:LPB:

  • PB Ratio: 3.35 (128% above median its 10-year median of 1.47)
  • GF Value™: ₫30,151.73 vs. price of ₫55,500.00 (84.1% above fair value)
  • GF Score™: 68/100 with 1 warning sign
  • Industry Position: 210.2% above the Banks median (#1458 of 1516)

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


Loc Phat Vietnam Commercial Joint Stock Bank Business Description

Address No. 8, Lane 1, Ton Duc Thang Street, Street 11, Hoa Lu Ward, Ninh Binh Province, Hanoi, VNM
Loc Phat Vietnam Commercial Joint Stock Bank is a financial institution in Vietnam operating with the mission of providing comprehensive financial solutions for individual customers, businesses, and partners. Its offerings include Payment accounts, Cards, savings, loans, International money transfer, Insurance, and other services.
68GF Score

Get the complete analysis for STC:LPB

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

₫55,500.00
Price
₫30,151.73
GF Value