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.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. Kien Long Commercial JSB's annualizedNet Income for the quarter that ended in Mar. 2026 was ₫416,809 Mil. Kien Long Commercial JSB's average total tangible assets for the quarter that ended in Mar. 2026 was ₫108,245,522 Mil. Therefore, Kien Long Commercial JSB's annualized Return-on-Tangible-Asset for the quarter that ended in Mar. 2026 was 0.39%.
The historical rank and industry rank for Kien Long Commercial JSB's Return-on-Tangible-Asset or its related term are showing as below:
HSTC:KLB'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 0 Med: 0 Max: 0.39
Current: 0.39
During the past 0 years, Kien Long Commercial JSB's highest Return-on-Tangible-Asset was 0.39%. The lowest was 0.00%. And the median was 0.00%.
HSTC:KLB's Return-on-Tangible-Asset is ranked worse than 82.93% of 1529
companies
in the Banks industry
Industry Median: 0.99
vs HSTC:KLB: 0.39
Kien Long Commercial JSB (HSTC:KLB) Return-on-Tangible-Asset Explanation
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
Kien Long Commercial JSB Return-on-Tangible-Asset Related Terms
Kien Long Commercial JSB Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for Kien Long Commercial JSB's Return-on-Tangible-Asset 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.
Kien Long Commercial JSB Return-on-Tangible-Asset Chart
Kien Long Commercial JSB Annual Data
Trend
Return-on-Tangible-Asset
Kien Long Commercial JSB Semi-Annual Data
Mar25
Mar26
Return-on-Tangible-Asset
0.00
0.39
HSTC:KLB vs PNC, USB: Return-on-Tangible-Asset Comparison
For the Banks - Regional subindustry, Kien Long Commercial JSB's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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.
Kien Long Commercial JSB Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Kien Long Commercial JSB's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Kien Long Commercial JSB's Return-on-Tangible-Asset falls into.
* 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is one times the annual (Mar. 2026) net income data.
What does a Return-on-Tangible-Asset of 0.39% mean?
Kien Long Commercial JSB (HSTC:KLB) has a Return-on-Tangible-Asset of 0.39% as of Mar. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Kien Long Commercial JSB and its competitors. According to the industry distribution chart, Kien Long Commercial JSB ranks #1268 out of 1529 companies in the Banks industry, placing it in the top 82.9%.
Is Kien Long Commercial JSB's Return-on-Tangible-Asset too high?
Kien Long Commercial JSB's current Return-on-Tangible-Asset is 0.39%. The Banks industry median Return-on-Tangible-Asset is 0.99. Kien Long Commercial JSB's value of 0.39% is 60.6% below this industry median. Based on the distribution chart, Kien Long Commercial JSB ranks #1268 out of 1529 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Kien Long Commercial JSB has a GF Score™ of 27/100, reflecting its overall financial health beyond just this single metric.
How does Kien Long Commercial JSB's Return-on-Tangible-Asset compare to PNC and USB?
According to the Banks industry distribution chart, Kien Long Commercial JSB ranks #1268 out of 1529 companies for Return-on-Tangible-Asset. This places Kien Long Commercial JSB in the lower half of its industry. The industry median Return-on-Tangible-Asset is 0.99. Kien Long Commercial JSB's value of 0.39% is 60.6% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Return-on-Tangible-Asset for a Banks company?
The median Return-on-Tangible-Asset among Banks companies is 0.99, based on 1,529 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Kien Long Commercial JSB's current Return-on-Tangible-Asset of 0.39% is 60.6% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Kien Long Commercial JSB and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 0.99 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Kien Long Commercial JSB's current Return-on-Tangible-Asset is 0.39%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Kien Long Commercial JSB stock overvalued right now?
Kien Long Commercial JSB (HSTC:KLB) has a current Return-on-Tangible-Asset of 0.39%. The current Return-on-Tangible-Asset is 0.39% and 60.6% below the Banks industry median of 0.99. Kien Long Commercial JSB's overall GF Score™ is 27/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For Kien Long Commercial JSB (HSTC:KLB), the current Return-on-Tangible-Asset is 0.39% 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.
Kien Long Commercial JSB is engaged in the business activities of the Bank consist of mobilizing short, medium and long-term deposits from organizations and individuals; granting short, medium and long-term loans to organizations and individuals based on the Bank's capital resources; conducting foreign exchange transactions, international trade finance services, and discounting commercial papers, bonds, and other valuable papers; performing capital contributions, share acquisition, bond investment, and other banking services as permitted by the SBV. The Group operates mainly in banking and asset management.
27GF Score
Get the complete analysis for HSTC:KLB
Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
HSTC:KLB has been successfully added to your 
