The historical rank and industry rank for Asia Commercial Joint Stock Bank's Return-on-Tangible-Asset or its related term are showing as below:
STC:ACB'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 0.61 Med: 1.78 Max: 2.42
Current: 1.69
During the past 13 years, Asia Commercial Joint Stock Bank's highest Return-on-Tangible-Asset was 2.42%. The lowest was 0.61%. And the median was 1.78%.
STC:ACB's Return-on-Tangible-Asset is ranked better than 82.66% of 1528
companies
in the Banks industry
Industry Median: 0.99
vs STC:ACB: 1.69
Asia Commercial Joint Stock Bank (STC:ACB) 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.
Asia Commercial Joint Stock Bank Return-on-Tangible-Asset Related Terms
Asia Commercial Joint Stock Bank Return-on-Tangible-Asset 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.
Asia Commercial Joint Stock Bank Return-on-Tangible-Asset Chart
Asia Commercial Joint Stock Bank Return-on-Tangible-Asset Competitor Comparison
For the Banks - Regional subindustry, Asia Commercial Joint Stock Bank'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.
Asia Commercial Joint Stock Bank Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Asia Commercial Joint Stock Bank's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Asia Commercial Joint Stock Bank'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 four times the quarterly (Mar. 2026) net income data.
What does a Return-on-Tangible-Asset of 1.68% mean?
Asia Commercial Joint Stock Bank (STC:ACB) has a Return-on-Tangible-Asset of 1.68% 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 Asia Commercial Joint Stock Bank and its competitors. This is near median its historical median of 1.78. Over the past decade, Asia Commercial Joint Stock Bank's Return-on-Tangible-Asset has ranged from 0.61 to 2.42. According to the industry distribution chart, Asia Commercial Joint Stock Bank ranks #265 out of 1528 companies in the Banks industry, placing it in the top 17.3%.
Is Asia Commercial Joint Stock Bank's Return-on-Tangible-Asset too high?
Asia Commercial Joint Stock Bank's current Return-on-Tangible-Asset of 1.68% is near median its 10-year median of 1.78. Over the past 10 years, this metric has ranged from a low of 0.61 to a high of 2.42. The Banks industry median Return-on-Tangible-Asset is 0.99. Asia Commercial Joint Stock Bank's value of 1.68% is 69.7% above this industry median. Based on the distribution chart, Asia Commercial Joint Stock Bank ranks #265 out of 1528 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Asia Commercial Joint Stock Bank has a GF Score™ of 73/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Asia Commercial Joint Stock Bank's Return-on-Tangible-Asset compare to competitors?
According to the Banks industry distribution chart, Asia Commercial Joint Stock Bank ranks #265 out of 1528 companies for Return-on-Tangible-Asset. This places Asia Commercial Joint Stock Bank in the top 17% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Asset is 0.99. Asia Commercial Joint Stock Bank's value of 1.68% is 69.7% above this benchmark. Historically, Asia Commercial Joint Stock Bank's own Return-on-Tangible-Asset has ranged from 0.61 to 2.42 over the past decade. While the company's 10-year median is 1.78 vs. the industry median of 0.99, Asia 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 Return-on-Tangible-Asset for a Banks company?
The median Return-on-Tangible-Asset among Banks companies is 0.99, based on 1,528 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. Asia Commercial Joint Stock Bank's current Return-on-Tangible-Asset of 1.68% is 69.7% 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 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 Asia Commercial Joint Stock Bank 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. Asia Commercial Joint Stock Bank's current Return-on-Tangible-Asset is 1.68%, which is near median its own 10-year median of 1.78. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Asia Commercial Joint Stock Bank stock overvalued right now?
Based on GuruFocus' analysis, Asia Commercial Joint Stock Bank (STC:ACB) is currently considered Fairly Valued. The stock's GF Value™ is ₫20,893.19, compared to a current price of ₫22,800.00 — trading 9.1% above its estimated fair value. The current Return-on-Tangible-Asset is 1.68%, which is near median its 10-year median of 1.78 and 69.7% above the Banks industry median of 0.99. Asia Commercial Joint Stock Bank's overall GF Score™ is 73/100 with 5 warning signs 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 Asia Commercial Joint Stock Bank (STC:ACB), the current Return-on-Tangible-Asset is 1.68% 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 Asia Commercial Joint Stock Bank (STC:ACB) Overvalued in 2026?
Based on GuruFocus' analysis, Asia Commercial Joint Stock Bank stock appears to be overvalued.
The current stock price of ₫22,800.00 is trading 9.1% above its estimated GF Value™ of ₫20,893.19.
GuruFocus considers Asia Commercial Joint Stock Bank to be Fairly Valued.
Key valuation signals for STC:ACB:
Return-on-Tangible-Asset: 1.68% (near median its 10-year median of 1.78)
GF Value™: ₫20,893.19 vs. price of ₫22,800.00 (9.1% above fair value)
Industry Position: 69.7% above the Banks median (#265 of 1528)
No single metric tells the full story. See the STC:ACB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Asia Commercial Joint Stock Bank Business Description
Asia Commercial Joint Stock Bank and its subsidiaries (the Group) mobilise short, medium, and long-term funds, receive entrusted investment funds, borrow from financial institutions, grant loans, discount commercial papers and bonds, provide settlement services, trade foreign currencies and gold, offer trade finance, and perform approved overseas services. The Group also conducts debt factoring, bond trading, fiduciary activities, commodity derivatives, insurance agency, securities depository and clearing, finance leasing, securities trading and consultancy, corporate finance services, investment fund and asset management. Its segments are Banking, Securities trading, Asset management, Finance Leasing, and Fund Management, operating in the northern, central, and southern regions.
73GF Score
Get the complete analysis for STC:ACB
Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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