STC:MSB's Return-on-Tangible-Asset is ranked better than 80.05% of 1529
companies
in the Banks industry
Industry Median: 0.99
vs STC:MSB: 1.60
Vietnam Maritime Commercial Joint Stock Bank (STC:MSB) 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.
Vietnam Maritime Commercial Joint Stock Bank Return-on-Tangible-Asset Related Terms
Vietnam Maritime 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.
Vietnam Maritime Commercial Joint Stock Bank Return-on-Tangible-Asset Chart
Vietnam Maritime Commercial Joint Stock Bank Annual Data
Vietnam Maritime Commercial Joint Stock Bank Return-on-Tangible-Asset Competitor Comparison
For the Banks - Regional subindustry, Vietnam Maritime 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.
Vietnam Maritime Commercial Joint Stock Bank Return-on-Tangible-Asset vs Banks Industry
* 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 1.48% mean?
Vietnam Maritime Commercial Joint Stock Bank (STC:MSB) has a Return-on-Tangible-Asset of 1.48% 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 Vietnam Maritime Commercial Joint Stock Bank and its competitors. This is 21% below median its historical median of 1.88. Over the past decade, Vietnam Maritime Commercial Joint Stock Bank's Return-on-Tangible-Asset has ranged from 0.67 to 2.22. According to the industry distribution chart, Vietnam Maritime Commercial Joint Stock Bank ranks #305 out of 1529 companies in the Banks industry, placing it in the top 19.9%.
Is Vietnam Maritime Commercial Joint Stock Bank's Return-on-Tangible-Asset too high?
Vietnam Maritime Commercial Joint Stock Bank's current Return-on-Tangible-Asset of 1.48% is 21% below median its 10-year median of 1.88. Over the past 10 years, this metric has ranged from a low of 0.67 to a high of 2.22. The Banks industry median Return-on-Tangible-Asset is 0.99. Vietnam Maritime Commercial Joint Stock Bank's value of 1.48% is 49.5% above this industry median. Based on the distribution chart, Vietnam Maritime Commercial Joint Stock Bank ranks #305 out of 1529 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Vietnam Maritime Commercial Joint Stock Bank has a GF Score™ of 66/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Vietnam Maritime Commercial Joint Stock Bank's Return-on-Tangible-Asset compare to competitors?
According to the Banks industry distribution chart, Vietnam Maritime Commercial Joint Stock Bank ranks #305 out of 1529 companies for Return-on-Tangible-Asset. This places Vietnam Maritime Commercial Joint Stock Bank in the top 20% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Asset is 0.99. Vietnam Maritime Commercial Joint Stock Bank's value of 1.48% is 49.5% above this benchmark. Historically, Vietnam Maritime Commercial Joint Stock Bank's own Return-on-Tangible-Asset has ranged from 0.67 to 2.22 over the past decade. While the company's 10-year median is 1.88 vs. the industry median of 0.99, Vietnam Maritime 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 1,529 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. Vietnam Maritime Commercial Joint Stock Bank's current Return-on-Tangible-Asset of 1.48% is 49.5% 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 Vietnam Maritime 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. Vietnam Maritime Commercial Joint Stock Bank's current Return-on-Tangible-Asset is 1.48%, which is 21% below median its own 10-year median of 1.88. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Vietnam Maritime Commercial Joint Stock Bank stock overvalued right now?
Based on GuruFocus' analysis, Vietnam Maritime Commercial Joint Stock Bank (STC:MSB) is currently considered Significantly Overvalued. The stock's GF Value™ is ₫10,858.43, compared to a current price of ₫16,150.00 — trading 48.7% above its estimated fair value. The current Return-on-Tangible-Asset is 1.48%, which is 21% below median its 10-year median of 1.88 and 49.5% above the Banks industry median of 0.99. Vietnam Maritime Commercial Joint Stock Bank's overall GF Score™ is 66/100 with 6 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 Vietnam Maritime Commercial Joint Stock Bank (STC:MSB), the current Return-on-Tangible-Asset is 1.48% 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 Vietnam Maritime Commercial Joint Stock Bank (STC:MSB) Overvalued in 2026?
Based on GuruFocus' analysis, Vietnam Maritime Commercial Joint Stock Bank stock appears to be overvalued.
The current stock price of ₫16,150.00 is trading 48.7% above its estimated GF Value™ of ₫10,858.43.
GuruFocus considers Vietnam Maritime Commercial Joint Stock Bank to be Significantly Overvalued.
Key valuation signals for STC:MSB:
Return-on-Tangible-Asset: 1.48% (21% below median its 10-year median of 1.88)
GF Value™: ₫10,858.43 vs. price of ₫16,150.00 (48.7% above fair value)
Industry Position: 49.5% above the Banks median (#305 of 1529)
No single metric tells the full story. See the STC:MSB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Vietnam Maritime Commercial Joint Stock Bank Business Description
Vietnam Maritime Commercial Joint Stock Bank is engaged in providing banking and related services including mobilizing and receiving short, medium and long-term deposits from organizations and individuals; making short, medium and long-term loans to organizations and individuals based on the nature and capability of the Bank's capital; conducting foreign exchange transactions; international trade finance services; discounting of commercial papers, bonds and other valuable papers; conducting payments and treasury services; performing capital contributions, share purchases, securities investments and other banking services. The company provides Savings, Retail Loan products, Insurance, Card Products, Payment services, E-Banking services, and other banking services.
66GF Score
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Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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