STC:TPB's PB Ratio is ranked better than 57.59% of 1516
companies
in the Banks industry
Industry Median: 1.09
vs STC:TPB: 1.01
During the past 12 months, Tien Phong Commercial Joint Stock Bank's average Book Value Per Share Growth Rate was 12.30% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 9.50% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 15.20% per year.
During the past 8 years, the highest 3-Year average Book Value Per Share Growth Rate of Tien Phong Commercial Joint Stock Bank was 30.90% per year. The lowest was 9.50% per year. And the median was 19.90% per year.
Back to Basics: PB Ratio
Tien Phong Commercial Joint Stock Bank (STC:TPB) 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.
Tien Phong Commercial Joint Stock Bank PB Ratio Related Terms
Tien Phong 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.
Tien Phong Commercial Joint Stock Bank PB Ratio Chart
Tien Phong Commercial Joint Stock Bank Annual Data
Tien Phong Commercial Joint Stock Bank PB Ratio Competitor Comparison
For the Banks - Regional subindustry, Tien Phong 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.
Tien Phong Commercial Joint Stock Bank PB Ratio vs Banks Industry
Tien Phong 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.
Tien Phong Commercial Joint Stock Bank (STC:TPB) has a PB Ratio of 1.01 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 Tien Phong Commercial Joint Stock Bank and its competitors. This is 21% below median its historical median of 1.28. Over the past decade, Tien Phong Commercial Joint Stock Bank's PB Ratio has ranged from 0.85 to 2.46. According to the industry distribution chart, Tien Phong Commercial Joint Stock Bank ranks #643 out of 1516 companies in the Banks industry, placing it in the top 42.4%.
Is Tien Phong Commercial Joint Stock Bank's PB Ratio too high?
Tien Phong Commercial Joint Stock Bank's current PB Ratio of 1.01 is 21% below median its 10-year median of 1.28. Over the past 10 years, this metric has ranged from a low of 0.85 to a high of 2.46. The Banks industry median PB Ratio is 1.09. Tien Phong Commercial Joint Stock Bank's value of 1.01 is 7.3% below this industry median. Based on the distribution chart, Tien Phong Commercial Joint Stock Bank ranks #643 out of 1516 companies in the Banks industry, which is above the industry midpoint. Overall, Tien Phong Commercial Joint Stock Bank has a GF Score™ of 76/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Tien Phong Commercial Joint Stock Bank's PB Ratio compare to competitors?
According to the Banks industry distribution chart, Tien Phong Commercial Joint Stock Bank ranks #643 out of 1516 companies for PB Ratio. This puts Tien Phong Commercial Joint Stock Bank in the upper half of its industry. The industry median PB Ratio is 1.09. Tien Phong Commercial Joint Stock Bank's value of 1.01 is 7.3% below this benchmark. Historically, Tien Phong Commercial Joint Stock Bank's own PB Ratio has ranged from 0.85 to 2.46 over the past decade. While the company's 10-year median is 1.28 vs. the industry median of 1.09, Tien Phong 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 1.09, 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. Tien Phong Commercial Joint Stock Bank's current PB Ratio of 1.01 is 7.3% 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 Tien Phong Commercial Joint Stock Bank 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. Tien Phong Commercial Joint Stock Bank's current PB Ratio is 1.01, which is 21% below median its own 10-year median of 1.28. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Tien Phong Commercial Joint Stock Bank stock overvalued right now?
Based on GuruFocus' analysis, Tien Phong Commercial Joint Stock Bank (STC:TPB) is currently considered Fairly Valued. The stock's GF Value™ is ₫16,535.62, compared to a current price of ₫16,100.00 — trading 2.6% below its estimated fair value. The current PB Ratio is 1.01, which is 21% below median its 10-year median of 1.28 and 7.3% below the Banks industry median of 1.09. Tien Phong Commercial Joint Stock Bank's overall GF Score™ is 76/100 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 Tien Phong Commercial Joint Stock Bank (STC:TPB), the current PB Ratio is 1.01 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 Tien Phong Commercial Joint Stock Bank (STC:TPB) Overvalued in 2026?
Based on GuruFocus' analysis, Tien Phong Commercial Joint Stock Bank stock appears to be undervalued.
The current stock price of ₫16,100.00 is trading 2.6% below its estimated GF Value™ of ₫16,535.62.
GuruFocus considers Tien Phong Commercial Joint Stock Bank to be Fairly Valued.
Key valuation signals for STC:TPB:
PB Ratio: 1.01 (21% below median its 10-year median of 1.28)
GF Value™: ₫16,535.62 vs. price of ₫16,100.00 (2.6% below fair value)
Industry Position: 7.3% below the Banks median (#643 of 1516)
No single metric tells the full story. See the STC:TPB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Tien Phong Commercial Joint Stock Bank Business Description
Tien Phong Commercial Joint Stock Bank provides a range of banking services, including mobilizing and receiving short-term, medium-term, and long-term deposits from organizations and individuals, and extending loans and advances based on the Bank's capital capacity. Its activities also include foreign exchange transactions, bond investments, international trade finance services, discounting of bonds and other valuable papers, gold trading, and other banking services as approved by the State Bank of Vietnam.
76GF Score
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