Kien Long Commercial JSBSTC:KLB +1.52%33 Return-on-Tangible-Equity is 5.16% as of Mar. 2026. GuruFocus rates STC:KLB with a GF Score™ of 33/100. The stock has 1 warning sign investors should review. Among 1,525 Banks companies, Kien Long Commercial JSB ranks worse than 82.43% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Kien Long Commercial JSB's annualized net income for the quarter that ended in Mar. 2026 was ₫416,809 Mil. Kien Long Commercial JSB's average shareholder tangible equity for the quarter that ended in Mar. 2026 was ₫8,073,686 Mil. Therefore, Kien Long Commercial JSB's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 5.16%.
The historical rank and industry rank for Kien Long Commercial JSB's Return-on-Tangible-Equity or its related term are showing as below:
STC:KLB'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 0 Med: 0 Max: 5.16
Current: 5.16
During the past 0 years, Kien Long Commercial JSB's highest Return-on-Tangible-Equity was 5.16%. The lowest was 0.00%. And the median was 0.00%.
STC:KLB's Return-on-Tangible-Equity is ranked worse than 82.43% of 1525
companies
in the Banks industry
Industry Median: 11.21
vs STC:KLB: 5.16
Kien Long Commercial JSB (STC:KLB) 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.
Kien Long Commercial JSB Return-on-Tangible-Equity Related Terms
Kien Long Commercial JSB Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Kien Long Commercial JSB's Return-on-Tangible-Equity 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-Equity Chart
Kien Long Commercial JSB Annual Data
Trend
Return-on-Tangible-Equity
Kien Long Commercial JSB Semi-Annual Data
Mar25
Mar26
Return-on-Tangible-Equity
0.00
5.16
STC:KLB vs PNC: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Kien Long Commercial JSB'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.
Kien Long Commercial JSB Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Kien Long Commercial JSB's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Kien Long Commercial JSB'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 one times the annual (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 5.16% mean?
Kien Long Commercial JSB (STC:KLB) has a Return-on-Tangible-Equity of 5.16% 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 Kien Long Commercial JSB and its competitors. According to the industry distribution chart, Kien Long Commercial JSB ranks #1257 out of 1525 companies in the Banks industry, placing it in the top 82.4%.
Is Kien Long Commercial JSB's Return-on-Tangible-Equity too high?
Kien Long Commercial JSB's current Return-on-Tangible-Equity is 5.16%. The Banks industry median Return-on-Tangible-Equity is 11.21. Kien Long Commercial JSB's value of 5.16% is 54% below this industry median. Based on the distribution chart, Kien Long Commercial JSB ranks #1257 out of 1525 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Kien Long Commercial JSB has a GF Score™ of 33/100, reflecting its overall financial health beyond just this single metric.
How does Kien Long Commercial JSB's Return-on-Tangible-Equity compare to PNC?
According to the Banks industry distribution chart, Kien Long Commercial JSB ranks #1257 out of 1525 companies for Return-on-Tangible-Equity. This places Kien Long Commercial JSB in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.21. Kien Long Commercial JSB's value of 5.16% is 54% 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-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.21, based on 1,525 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. Kien Long Commercial JSB's current Return-on-Tangible-Equity of 5.16% is 54% 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 Kien Long Commercial JSB and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.21 — 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-Equity is 5.16%. 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 (STC:KLB) has a current Return-on-Tangible-Equity of 5.16%. The current Return-on-Tangible-Equity is 5.16% and 54% below the Banks industry median of 11.21. Kien Long Commercial JSB's overall GF Score™ is 33/100 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-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Kien Long Commercial JSB (STC:KLB), the current Return-on-Tangible-Equity is 5.16% 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.
33GF Score
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