Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Tien Phong Commercial Joint Stock Bank has the Financial Strength Rank of 3. It displays poor financial strength and is likely in financial distress. Usually this is caused by too much debt for the company.
Warning Sign:
Tien Phong Commercial Joint Stock Bank displays poor financial strength. Usually, this is caused by too much debt for the company.
GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is rated on a scale of 1 to 10 and is based on these factors:
1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.
2. Debt to revenue ratio. The lower, the better.
3. Altman Z-Score.
4. Other debt related ratios.
A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.
GuruFocus does not calculate Tien Phong Commercial Joint Stock Bank's interest coverage with the available data.
Tien Phong Commercial Joint Stock Bank's debt to revenue ratio for the quarter that ended in Mar. 2026 was 5.28.
Altman Z-Score does not apply to banks and insurance companies.
Tien Phong Commercial Joint Stock Bank (STC:TPB) Financial Strength Explanation
The rank is rated on a scale of 1 to 10. A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.
Tien Phong Commercial Joint Stock Bank has the Financial Strength Rank of 3. It displays poor financial strength and is likely in financial distress. Usually this is caused by too much debt for the company.
Tien Phong Commercial Joint Stock Bank Financial Strength Related Terms
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
Z-Score model is an accurate forecaster of failure up to two years prior to distress. It can be considered the assessment of the distress of industrial corporations.
The zones of discrimination were as such:
When Z-Score is less than 1.81, it is in Distress Zones.
When Z-Score is greater than 2.99, it is in Safe Zones.
When Z-Score is between 1.81 and 2.99, it is in Grey Zones.
Altman Z-Score does not apply to banks and insurance companies.
* 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 (STC:TPB) has a Financial Strength of 3 as of Mar. 2026. The financial strength rank measures the strength of a company's balance sheet based on revenue and debt. View historical data on Tien Phong Commercial Joint Stock Bank and its competitors. This is 50% below median its historical median of 6.00. Over the past decade, Tien Phong Commercial Joint Stock Bank's Financial Strength has ranged from 1.00 to 7.00.
Is Tien Phong Commercial Joint Stock Bank's Financial Strength too high?
Tien Phong Commercial Joint Stock Bank's current Financial Strength of 3 is 50% below median its 10-year median of 6.00. Over the past 10 years, this metric has ranged from a low of 1.00 to a high of 7.00. Overall, Tien Phong Commercial Joint Stock Bank has a GF Score™ of 72/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Tien Phong Commercial Joint Stock Bank's Financial Strength compare to competitors?
Tien Phong Commercial Joint Stock Bank's Financial Strength of 3 can be compared against companies in the Banks industry. Historically, Tien Phong Commercial Joint Stock Bank's own Financial Strength has ranged from 1.00 to 7.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Financial Strength for a Banks company?
A good Financial Strength depends on the Banks industry context. However, Financial Strength should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Financial Strength mean?
A high Financial Strength can signal that a stock is expensive relative to its fundamentals. The financial strength rank measures the strength of a company's balance sheet based on revenue and debt. View historical data on Tien Phong Commercial Joint Stock Bank and its competitors. Tien Phong Commercial Joint Stock Bank's current Financial Strength is 3, which is 50% below median its own 10-year median of 6.00. 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 Modestly Undervalued. The stock's GF Value™ is ₫16,633.60, compared to a current price of ₫14,400.00 — trading 13.4% below its estimated fair value. The current Financial Strength is 3, which is 50% below median its 10-year median of 6.00. Tien Phong Commercial Joint Stock Bank's overall GF Score™ is 72/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Financial Strength calculated?
Financial Strength is calculated from a company's financial statements. For Tien Phong Commercial Joint Stock Bank (STC:TPB), the current Financial Strength is 3 as of Mar. 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 ₫14,400.00 is trading 13.4% below its estimated GF Value™ of ₫16,633.60.
GuruFocus considers Tien Phong Commercial Joint Stock Bank to be Modestly Undervalued.
Key valuation signals for STC:TPB:
Financial Strength: 3 (50% below median its 10-year median of 6.00)
GF Value™: ₫16,633.60 vs. price of ₫14,400.00 (13.4% below fair value)
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 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.
72GF Score
Get the complete analysis for STC:TPB
Financial Strength 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:TPB has been successfully added to your 
