The historical rank and industry rank for Bac A Commercial Joint Stock Bank's Return-on-Tangible-Equity or its related term are showing as below:
HSTC:BAB'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 7.55 Med: 9.18 Max: 10.2
Current: 10.04
During the past 6 years, Bac A Commercial Joint Stock Bank's highest Return-on-Tangible-Equity was 10.20%. The lowest was 7.55%. And the median was 9.18%.
HSTC:BAB's Return-on-Tangible-Equity is ranked worse than 57.45% of 1523
companies
in the Banks industry
Industry Median: 11.2
vs HSTC:BAB: 10.04
Bac A Commercial Joint Stock Bank (HSTC:BAB) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Bac A Commercial Joint Stock Bank Return-on-Tangible-Equity Related Terms
Bac A Commercial Joint Stock Bank Return-on-Tangible-Equity 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.
Bac A Commercial Joint Stock Bank Return-on-Tangible-Equity Chart
Bac A Commercial Joint Stock Bank Return-on-Tangible-Equity Competitor Comparison
For the Banks - Regional subindustry, Bac A Commercial Joint Stock Bank's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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.
Bac A Commercial Joint Stock Bank Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Bac A Commercial Joint Stock Bank's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Bac A Commercial Joint Stock Bank's Return-on-Tangible-Equity 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-Equity, the net income of the last fiscal year and the average total shareholder tangible equity 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.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 9.54% mean?
Bac A Commercial Joint Stock Bank (HSTC:BAB) has a Return-on-Tangible-Equity of 9.54% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Bac A Commercial Joint Stock Bank and its competitors. This is near median its historical median of 9.18. Over the past decade, Bac A Commercial Joint Stock Bank's Return-on-Tangible-Equity has ranged from 7.55 to 10.20. According to the industry distribution chart, Bac A Commercial Joint Stock Bank ranks #875 out of 1523 companies in the Banks industry, placing it in the top 57.5%.
Is Bac A Commercial Joint Stock Bank's Return-on-Tangible-Equity too high?
Bac A Commercial Joint Stock Bank's current Return-on-Tangible-Equity of 9.54% is near median its 10-year median of 9.18. Over the past 10 years, this metric has ranged from a low of 7.55 to a high of 10.20. The Banks industry median Return-on-Tangible-Equity is 11.20. Bac A Commercial Joint Stock Bank's value of 9.54% is 14.8% below this industry median. Based on the distribution chart, Bac A Commercial Joint Stock Bank ranks #875 out of 1523 companies in the Banks industry, which is below the industry midpoint. Overall, Bac A Commercial Joint Stock Bank has a GF Score™ of 70/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Bac A Commercial Joint Stock Bank's Return-on-Tangible-Equity compare to competitors?
According to the Banks industry distribution chart, Bac A Commercial Joint Stock Bank ranks #875 out of 1523 companies for Return-on-Tangible-Equity. This places Bac A Commercial Joint Stock Bank in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.20. Bac A Commercial Joint Stock Bank's value of 9.54% is 14.8% below this benchmark. Historically, Bac A Commercial Joint Stock Bank's own Return-on-Tangible-Equity has ranged from 7.55 to 10.20 over the past decade. While the company's 10-year median is 9.18 vs. the industry median of 11.20, Bac A Commercial Joint Stock Bank has consistently been below 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-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.20, based on 1,523 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bac A Commercial Joint Stock Bank's current Return-on-Tangible-Equity of 9.54% is 14.8% 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-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Bac A Commercial Joint Stock Bank and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bac A Commercial Joint Stock Bank's current Return-on-Tangible-Equity is 9.54%, which is near median its own 10-year median of 9.18. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bac A Commercial Joint Stock Bank stock overvalued right now?
Based on GuruFocus' analysis, Bac A Commercial Joint Stock Bank (HSTC:BAB) is currently considered Fairly Valued. The stock's GF Value™ is ₫11,735.40, compared to a current price of ₫11,700.00 — trading 0.3% below its estimated fair value. The current Return-on-Tangible-Equity is 9.54%, which is near median its 10-year median of 9.18 and 14.8% below the Banks industry median of 11.20. Bac A Commercial Joint Stock Bank'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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Bac A Commercial Joint Stock Bank (HSTC:BAB), the current Return-on-Tangible-Equity is 9.54% 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 Bac A Commercial Joint Stock Bank (HSTC:BAB) Overvalued in 2026?
Based on GuruFocus' analysis, Bac A Commercial Joint Stock Bank stock appears to be undervalued.
The current stock price of ₫11,700.00 is trading 0.3% below its estimated GF Value™ of ₫11,735.40.
GuruFocus considers Bac A Commercial Joint Stock Bank to be Fairly Valued.
Key valuation signals for HSTC:BAB:
Return-on-Tangible-Equity: 9.54% (near median its 10-year median of 9.18)
GF Value™: ₫11,735.40 vs. price of ₫11,700.00 (0.3% below fair value)
Industry Position: 14.8% below the Banks median (#875 of 1523)
No single metric tells the full story. See the HSTC:BAB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Bac A Commercial Joint Stock Bank Business Description
Bac A Commercial Joint Stock Bank provides banking services like commercial banking products and services-including deposits, loans, and, international payments-to individual and institutional clients, with a specialized focus on investing in high-tech agriculture, health, and education sectors. The company's services include Guarantee service; Payment deposit; Trade finance; Insurance; Overseas and domestic fast money transfers and others.
70GF Score
Get the complete analysis for HSTC:BAB
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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