STC:MSB's Return-on-Tangible-Equity is ranked better than 71.5% of 1523
companies
in the Banks industry
Industry Median: 11.2
vs STC:MSB: 14.45
Vietnam Maritime Commercial Joint Stock Bank (STC:MSB) 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.
Vietnam Maritime Commercial Joint Stock Bank Return-on-Tangible-Equity Related Terms
Vietnam Maritime 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.
Vietnam Maritime Commercial Joint Stock Bank Return-on-Tangible-Equity Chart
Vietnam Maritime Commercial Joint Stock Bank Annual Data
Vietnam Maritime Commercial Joint Stock Bank Return-on-Tangible-Equity Competitor Comparison
For the Banks - Regional subindustry, Vietnam Maritime 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.
Vietnam Maritime Commercial Joint Stock Bank Return-on-Tangible-Equity 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-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 14.09% mean?
Vietnam Maritime Commercial Joint Stock Bank (STC:MSB) has a Return-on-Tangible-Equity of 14.09% 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 Vietnam Maritime Commercial Joint Stock Bank and its competitors. This is 13% below median its historical median of 16.16. Over the past decade, Vietnam Maritime Commercial Joint Stock Bank's Return-on-Tangible-Equity has ranged from 7.13 to 20.97. According to the industry distribution chart, Vietnam Maritime Commercial Joint Stock Bank ranks #434 out of 1523 companies in the Banks industry, placing it in the top 28.5%.
Is Vietnam Maritime Commercial Joint Stock Bank's Return-on-Tangible-Equity too high?
Vietnam Maritime Commercial Joint Stock Bank's current Return-on-Tangible-Equity of 14.09% is 13% below median its 10-year median of 16.16. Over the past 10 years, this metric has ranged from a low of 7.13 to a high of 20.97. The Banks industry median Return-on-Tangible-Equity is 11.20. Vietnam Maritime Commercial Joint Stock Bank's value of 14.09% is 25.8% above this industry median. Based on the distribution chart, Vietnam Maritime Commercial Joint Stock Bank ranks #434 out of 1523 companies in the Banks industry, which is above the industry midpoint. 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-Equity compare to competitors?
According to the Banks industry distribution chart, Vietnam Maritime Commercial Joint Stock Bank ranks #434 out of 1523 companies for Return-on-Tangible-Equity. This puts Vietnam Maritime Commercial Joint Stock Bank in the upper half of its industry. The industry median Return-on-Tangible-Equity is 11.20. Vietnam Maritime Commercial Joint Stock Bank's value of 14.09% is 25.8% above this benchmark. Historically, Vietnam Maritime Commercial Joint Stock Bank's own Return-on-Tangible-Equity has ranged from 7.13 to 20.97 over the past decade. While the company's 10-year median is 16.16 vs. the industry median of 11.20, 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-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. Vietnam Maritime Commercial Joint Stock Bank's current Return-on-Tangible-Equity of 14.09% is 25.8% 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 Vietnam Maritime 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. Vietnam Maritime Commercial Joint Stock Bank's current Return-on-Tangible-Equity is 14.09%, which is 13% below median its own 10-year median of 16.16. 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 ₫10,824.99, compared to a current price of ₫16,200.00 — trading 49.7% above its estimated fair value. The current Return-on-Tangible-Equity is 14.09%, which is 13% below median its 10-year median of 16.16 and 25.8% above the Banks industry median of 11.20. 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-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Vietnam Maritime Commercial Joint Stock Bank (STC:MSB), the current Return-on-Tangible-Equity is 14.09% 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 ₫16,200.00 is trading 49.7% above its estimated GF Value™ of ₫10,824.99.
GuruFocus considers Vietnam Maritime Commercial Joint Stock Bank to be Significantly Overvalued.
Key valuation signals for STC:MSB:
Return-on-Tangible-Equity: 14.09% (13% below median its 10-year median of 16.16)
GF Value™: ₫10,824.99 vs. price of ₫16,200.00 (49.7% above fair value)
Industry Position: 25.8% above the Banks median (#434 of 1523)
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
Get the complete analysis for STC:MSB
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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