Asia Commercial Joint Stock BankSTC:ACB 77 Return-on-Tangible-Equity is 18.31% as of Mar. 2026, which is 26% below its 10-year median of 24.86. GuruFocus rates STC:ACB with a GF Score™ of 77/100 and a GF Value™ of ₫21,060.40 (Fairly Valued). The stock has 5 warning signs investors should review. Among 1,523 Banks companies, Asia Commercial Joint Stock Bank ranks better than 85.55% on this metric.
The historical rank and industry rank for Asia Commercial Joint Stock Bank's Return-on-Tangible-Equity or its related term are showing as below:
STC:ACB'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 10.23 Med: 24.86 Max: 28.6
Current: 18.16
During the past 13 years, Asia Commercial Joint Stock Bank's highest Return-on-Tangible-Equity was 28.60%. The lowest was 10.23%. And the median was 24.86%.
STC:ACB's Return-on-Tangible-Equity is ranked better than 85.55% of 1523
companies
in the Banks industry
Industry Median: 11.2
vs STC:ACB: 18.16
Asia Commercial Joint Stock Bank (STC:ACB) 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.
Asia Commercial Joint Stock Bank Return-on-Tangible-Equity Related Terms
Asia 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.
Asia Commercial Joint Stock Bank Return-on-Tangible-Equity Chart
Asia Commercial Joint Stock Bank Return-on-Tangible-Equity Competitor Comparison
For the Banks - Regional subindustry, Asia 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.
Asia Commercial Joint Stock Bank Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Asia Commercial Joint Stock Bank's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Asia 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 18.31% mean?
Asia Commercial Joint Stock Bank (STC:ACB) has a Return-on-Tangible-Equity of 18.31% 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 Asia Commercial Joint Stock Bank and its competitors. This is 26% below median its historical median of 24.86. Over the past decade, Asia Commercial Joint Stock Bank's Return-on-Tangible-Equity has ranged from 10.23 to 28.60. According to the industry distribution chart, Asia Commercial Joint Stock Bank ranks #220 out of 1523 companies in the Banks industry, placing it in the top 14.4%.
Is Asia Commercial Joint Stock Bank's Return-on-Tangible-Equity too high?
Asia Commercial Joint Stock Bank's current Return-on-Tangible-Equity of 18.31% is 26% below median its 10-year median of 24.86. Over the past 10 years, this metric has ranged from a low of 10.23 to a high of 28.60. The Banks industry median Return-on-Tangible-Equity is 11.20. Asia Commercial Joint Stock Bank's value of 18.31% is 63.5% above this industry median. Based on the distribution chart, Asia Commercial Joint Stock Bank ranks #220 out of 1523 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 77/100 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-Equity compare to competitors?
According to the Banks industry distribution chart, Asia Commercial Joint Stock Bank ranks #220 out of 1523 companies for Return-on-Tangible-Equity. This places Asia Commercial Joint Stock Bank in the top 14% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 11.20. Asia Commercial Joint Stock Bank's value of 18.31% is 63.5% above this benchmark. Historically, Asia Commercial Joint Stock Bank's own Return-on-Tangible-Equity has ranged from 10.23 to 28.60 over the past decade. While the company's 10-year median is 24.86 vs. the industry median of 11.20, 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-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. Asia Commercial Joint Stock Bank's current Return-on-Tangible-Equity of 18.31% is 63.5% 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-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 Asia 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. Asia Commercial Joint Stock Bank's current Return-on-Tangible-Equity is 18.31%, which is 26% below median its own 10-year median of 24.86. 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 ₫21,060.40, compared to a current price of ₫22,650.00 — trading 7.5% above its estimated fair value. The current Return-on-Tangible-Equity is 18.31%, which is 26% below median its 10-year median of 24.86 and 63.5% above the Banks industry median of 11.20. Asia Commercial Joint Stock Bank's overall GF Score™ is 77/100 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-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Asia Commercial Joint Stock Bank (STC:ACB), the current Return-on-Tangible-Equity is 18.31% 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 ₫22,650.00 is trading 7.5% above its estimated GF Value™ of ₫21,060.40.
GuruFocus considers Asia Commercial Joint Stock Bank to be Fairly Valued.
Key valuation signals for STC:ACB:
Return-on-Tangible-Equity: 18.31% (26% below median its 10-year median of 24.86)
GF Value™: ₫21,060.40 vs. price of ₫22,650.00 (7.5% above fair value)
Industry Position: 63.5% above the Banks median (#220 of 1523)
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.
77GF Score
Get the complete analysis for STC:ACB
Return-on-Tangible-Equity 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:ACB has been successfully added to your 
