Asia Commercial Joint Stock Bank (STC:ACB) ROE % Adjusted to Book Value: 14.66% (As of Mar. 2026)


STC:ACB Asia Commercial Joint Stock Bank STC:ACB
73 GF Score
Price ₫22,600.00
GF Value ₫21,058.80
Valuation Fairly Valued
! 5 Warning Signs
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What is Asia Commercial Joint Stock Bank ROE % Adjusted to Book Value?

Asia Commercial Joint Stock Bank STC:ACB +0.89% 73 ROE % Adjusted to Book Value is 14.66% as of Mar. 2026. GuruFocus rates STC:ACB with a GF Score™ of 73/100 and a GF Value™ of ₫21,058.80 (Fairly Valued). The stock has 5 warning signs investors should review.

Asia Commercial Joint Stock Bank's ROE % for the quarter that ended in Mar. 2026 was 17.88%. Asia Commercial Joint Stock Bank's PB Ratio for the quarter that ended in Mar. 2026 was 1.22. Asia Commercial Joint Stock Bank's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 was 14.66%.


Asia Commercial Joint Stock Bank ROE % Adjusted to Book Value Related Terms


Asia Commercial Joint Stock Bank ROE % Adjusted to Book Value Historical Data

* Premium members only.

The historical data trend for Asia Commercial Joint Stock Bank's ROE % Adjusted to Book Value 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.

Asia Commercial Joint Stock Bank ROE % Adjusted to Book Value Chart

Asia Commercial Joint Stock Bank Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROE % Adjusted to Book Value
Get a 7-Day Free Trial Premium Member Only Premium Member Only 11.49 20.86 18.93 15.76 13.51

Asia Commercial Joint Stock Bank Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
ROE % Adjusted to Book Value Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 12.98 17.93 13.31 9.22 14.66

Asia Commercial Joint Stock Bank ROE % Adjusted to Book Value Competitor Comparison

For the Banks - Regional subindustry, Asia Commercial Joint Stock Bank's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value vs Banks Industry

For the Banks industry and Financial Services sector, Asia Commercial Joint Stock Bank's ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where Asia Commercial Joint Stock Bank's ROE % Adjusted to Book Value falls into.


STC:ACB
73GF Score
Asia Commercial Joint Stock Bank STC:ACB
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
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Asia Commercial Joint Stock Bank ROE % Adjusted to Book Value Calculation

Asia Commercial Joint Stock Bank's ROE % Adjusted to Book Value for the fiscal year that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=17.56% / 1.30
=13.51%

Asia Commercial Joint Stock Bank's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=17.88% / 1.22
=14.66%

* 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.

What does a ROE % Adjusted to Book Value of 14.66% mean?
Asia Commercial Joint Stock Bank (STC:ACB) has a ROE % Adjusted to Book Value of 14.66% as of Mar. 2026. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Asia Commercial Joint Stock Bank and its competitors.
Is Asia Commercial Joint Stock Bank's ROE % Adjusted to Book Value too high?
Asia Commercial Joint Stock Bank's current ROE % Adjusted to Book Value is 14.66%. Overall, Asia Commercial Joint Stock Bank has a GF Score™ of 73/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Asia Commercial Joint Stock Bank's ROE % Adjusted to Book Value compare to competitors?
Asia Commercial Joint Stock Bank's ROE % Adjusted to Book Value of 14.66% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % Adjusted to Book Value for a Banks company?
A good ROE % Adjusted to Book Value depends on the Banks industry context. However, ROE % Adjusted to Book Value should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROE % Adjusted to Book Value mean?
A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Asia Commercial Joint Stock Bank and its competitors. Asia Commercial Joint Stock Bank's current ROE % Adjusted to Book Value is 14.66%. 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 ₫21,058.80, compared to a current price of ₫22,600.00 — trading 7.3% above its estimated fair value. The current ROE % Adjusted to Book Value is 14.66%. Asia Commercial Joint Stock Bank's overall GF Score™ is 73/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For Asia Commercial Joint Stock Bank (STC:ACB), the current ROE % Adjusted to Book Value is 14.66% 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 ₫22,600.00 is trading 7.3% above its estimated GF Value™ of ₫21,058.80. GuruFocus considers Asia Commercial Joint Stock Bank to be Fairly Valued.

Key valuation signals for STC:ACB:

  • ROE % Adjusted to Book Value: 14.66%
  • GF Value™: ₫21,058.80 vs. price of ₫22,600.00 (7.3% above fair value)
  • GF Score™: 73/100 with 5 warning signs

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

Address 442 Nguyen Thi Minh Khai Street, Ward 5, District 3, Ho Chi Minh, VNM
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.
73GF Score

Get the complete analysis for STC:ACB

ROE % Adjusted to Book Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₫22,600.00
Price
₫21,058.80
GF Value