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.
Orient Commercial JSCSTC:OCB 70 Forward Rate of Return (Yacktman) % is 35.08% as of Jun. 2026, which is 18% below its 10-year median of 42.91. GuruFocus rates STC:OCB with a GF Score™ of 70/100 and a GF Value™ of ₫11,774.30 (Fairly Valued). The stock has 2 warning signs investors should review. Among 1,418 Banks companies, Orient Commercial JSC ranks better than 83.64% on this metric.
Yacktman defines forward rate of return as the normalized free cash flow yield plus real growth plus inflation. Orient Commercial JSC's forward rate of return for was 35.08%.
The historical rank and industry rank for Orient Commercial JSC's Forward Rate of Return (Yacktman) % or its related term are showing as below:
STC:OCB'
s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: 34.09 Med: 42.91 Max: 45.89
Current: 35.29
During the past 7 years, Orient Commercial JSC's highest Forward Rate of Return was 45.89. The lowest was 34.09. And the median was 42.91.
STC:OCB's Forward Rate of Return (Yacktman) % is ranked better than 83.64% of 1418
companies
in the Banks industry
Industry Median: 15.53
vs STC:OCB: 35.29
Unlike the Earnings Yield %, the Forward Rate of Return uses the normalized Free Cash Flow of the past five years, and considers growth. The forward rate of return can be thought of as the return that investors buying the stock today can expect from it in the future.
Unlike the Earnings Yield, the Forward Rate of Return uses the normalized Free Cash Flow of the past five years, and considers growth. The forward rate of return can be thought of as the return that investors buying the stock today can expect from it in the future.
For the growth part of the Forward Rate of Return calculation, GuruFocus uses the 5-year average growth rate of Book Value per share as the growth rate, and the growth rate is always capped at 20%. For the Free Cash Flow we use per share data averaged over five years. The reason we use five years is to make it comparable to the growth rate.
Be Aware
In the Forward Rate of Return calculation, the growth rate is added directly to today's free cash flow yield. Therefore the calculation is reliable only if the company can grow at the same rate in the future as it did in the past. Investors should pay close attention to this when researching growth stocks. A more accurate measurement for return is Return on Capital.
Orient Commercial JSC Forward Rate of Return (Yacktman) % Related Terms
Orient Commercial JSC Forward Rate of Return (Yacktman) % Historical Data
* Premium members only.
The historical data trend for Orient Commercial JSC's Forward Rate of Return (Yacktman) % 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.
Orient Commercial JSC Forward Rate of Return (Yacktman) % Chart
For the Banks - Regional subindustry, Orient Commercial JSC's Forward Rate of Return (Yacktman) %, along with its competitors' market caps and Forward Rate of Return (Yacktman) % 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.
Orient Commercial JSC Forward Rate of Return (Yacktman) % vs Banks Industry
For the Banks industry and Financial Services sector, Orient Commercial JSC's Forward Rate of Return (Yacktman) % distribution charts can be found below:
* The bar in red indicates where Orient Commercial JSC's Forward Rate of Return (Yacktman) % falls into.
Orient Commercial JSC Forward Rate of Return (Yacktman) % Calculation
Forward Rate of Return is a concept that Don Yacktman uses in his investment approach. Yacktman explained the forward rate of return concept in detail in his interview with GuruFocus. Yacktman defines forward rate of return as the normalized free cash flow yield plus real growth plus inflation. He said in the interview (March 2012, when the S&P 500 was at about 1400):
If the business is stable, this calculation is fairly straightforward. For instance, on the S&P 500 we would normalize earnings. We would then calculate what percentage of those earnings are not reinvested in the underlying businesses and are therefore free. Historically, for the S&P 500, this has been just under 50% of earnings. Currently, we expect the S&P to earn about 70 on a normalized basis, a number which is far below reported earnings due to our adjusting for record high profit margins. $70 X ½ / 1400 gives you a normalized free cash flow yield of approximately 2.5%.
The historical real growth rate of the S&P 500 (companies) is about 1.5%. Assuming an inflation rate of 2.5%, the forward rate of return on an investment in the S&P 500 is about 6.5% today (2.5% free cash flow yield plus 1.5% real growth plus 2.5% inflation).
* 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.
What does a Forward Rate of Return (Yacktman) % of 35.08% mean?
Orient Commercial JSC (STC:OCB) has a Forward Rate of Return (Yacktman) % of 35.08% as of Jun. 2026. Yacktman's forward rate of return equals the sum of normalized free-cash-flow yield plus earnings growth. View historical data on Orient Commercial JSC and its competitors. This is 18% below median its historical median of 42.91. Over the past decade, Orient Commercial JSC's Forward Rate of Return (Yacktman) % has ranged from 34.09 to 45.89. According to the industry distribution chart, Orient Commercial JSC ranks #232 out of 1418 companies in the Banks industry, placing it in the top 16.4%.
Is Orient Commercial JSC's Forward Rate of Return (Yacktman) % too high?
Orient Commercial JSC's current Forward Rate of Return (Yacktman) % of 35.08% is 18% below median its 10-year median of 42.91. Over the past 10 years, this metric has ranged from a low of 34.09 to a high of 45.89. The Banks industry median Forward Rate of Return (Yacktman) % is 15.53. Orient Commercial JSC's value of 35.08% is 125.9% above this industry median. Based on the distribution chart, Orient Commercial JSC ranks #232 out of 1418 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Orient Commercial JSC has a GF Score™ of 70/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Orient Commercial JSC's Forward Rate of Return (Yacktman) % compare to competitors?
According to the Banks industry distribution chart, Orient Commercial JSC ranks #232 out of 1418 companies for Forward Rate of Return (Yacktman) %. This places Orient Commercial JSC in the top 16% of its industry — outperforming the majority of peers. The industry median Forward Rate of Return (Yacktman) % is 15.53. Orient Commercial JSC's value of 35.08% is 125.9% above this benchmark. Historically, Orient Commercial JSC's own Forward Rate of Return (Yacktman) % has ranged from 34.09 to 45.89 over the past decade. While the company's 10-year median is 42.91 vs. the industry median of 15.53, Orient Commercial JSC 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 Forward Rate of Return (Yacktman) % for a Banks company?
The median Forward Rate of Return (Yacktman) % among Banks companies is 15.53, based on 1,418 companies in the industry. Companies in the top quartile (top 25%) have a Forward Rate of Return (Yacktman) % significantly above this median, while those in the bottom quartile fall well below. However, Forward Rate of Return (Yacktman) % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Orient Commercial JSC's current Forward Rate of Return (Yacktman) % of 35.08% is 125.9% 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 Forward Rate of Return (Yacktman) % mean?
A high Forward Rate of Return (Yacktman) % can signal that a stock is expensive relative to its fundamentals. Yacktman's forward rate of return equals the sum of normalized free-cash-flow yield plus earnings growth. View historical data on Orient Commercial JSC and its competitors. For the Banks industry, the median Forward Rate of Return (Yacktman) % is 15.53 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Orient Commercial JSC's current Forward Rate of Return (Yacktman) % is 35.08%, which is 18% below median its own 10-year median of 42.91. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Orient Commercial JSC stock overvalued right now?
Based on GuruFocus' analysis, Orient Commercial JSC (STC:OCB) is currently considered Fairly Valued. The stock's GF Value™ is ₫11,774.30, compared to a current price of ₫10,950.00 — trading 7% below its estimated fair value. The current Forward Rate of Return (Yacktman) % is 35.08%, which is 18% below median its 10-year median of 42.91 and 125.9% above the Banks industry median of 15.53. Orient Commercial JSC's overall GF Score™ is 70/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Forward Rate of Return (Yacktman) % calculated?
Forward Rate of Return (Yacktman) % is calculated from a company's financial statements. For Orient Commercial JSC (STC:OCB), the current Forward Rate of Return (Yacktman) % is 35.08% as of Jun. 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 Orient Commercial JSC (STC:OCB) Overvalued in 2026?
Based on GuruFocus' analysis, Orient Commercial JSC stock appears to be undervalued.
The current stock price of ₫10,950.00 is trading 7% below its estimated GF Value™ of ₫11,774.30.
GuruFocus considers Orient Commercial JSC to be Fairly Valued.
Key valuation signals for STC:OCB:
Forward Rate of Return (Yacktman) %: 35.08% (18% below median its 10-year median of 42.91)
GF Value™: ₫11,774.30 vs. price of ₫10,950.00 (7% below fair value)
Industry Position: 125.9% above the Banks median (#232 of 1418)
No single metric tells the full story. See the STC:OCB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Orient Commercial JSC is a commercial bank in Vietnam. The bank provides deposit facility, loans, insurance services, money transfer services, corporate banking services, and other related services.
70GF Score
Get the complete analysis for STC:OCB
Forward Rate of Return (Yacktman) % 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:OCB has been successfully added to your 
