Viet Nam Joint Stock Commercial Bank For Industry And Trade (STC:CTG) ROE % Adjusted to Book Value: 13.64% (As of Mar. 2026)


STC:CTG Viet Nam Joint Stock Commercial Bank For Industry And Trade STC:CTG
72 GF Score
Price ₫33,600.00
GF Value ₫32,002.62
Valuation Fairly Valued
View Full Analysis

What is Viet Nam Joint Stock Commercial Bank For Industry And Trade ROE % Adjusted to Book Value?

Viet Nam Joint Stock Commercial Bank For Industry And Trade STC:CTG +0.30% 72 ROE % Adjusted to Book Value is 13.64% as of Mar. 2026. GuruFocus rates STC:CTG with a GF Score™ of 72/100 and a GF Value™ of ₫32,002.62 (Fairly Valued).

Viet Nam Joint Stock Commercial Bank For Industry And Trade's ROE % for the quarter that ended in Mar. 2026 was 19.50%. Viet Nam Joint Stock Commercial Bank For Industry And Trade's PB Ratio for the quarter that ended in Mar. 2026 was 1.43. Viet Nam Joint Stock Commercial Bank For Industry And Trade's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 was 13.64%.


Viet Nam Joint Stock Commercial Bank For Industry And Trade ROE % Adjusted to Book Value Related Terms


Viet Nam Joint Stock Commercial Bank For Industry And Trade ROE % Adjusted to Book Value Historical Data

* Premium members only.

The historical data trend for Viet Nam Joint Stock Commercial Bank For Industry And Trade'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.

Viet Nam Joint Stock Commercial Bank For Industry And Trade ROE % Adjusted to Book Value Chart

Viet Nam Joint Stock Commercial Bank For Industry And Trade 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 9.06 13.84 14.75 13.48 13.61

Viet Nam Joint Stock Commercial Bank For Industry And Trade 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 9.88 17.76 12.59 16.33 13.64

Viet Nam Joint Stock Commercial Bank For Industry And Trade ROE % Adjusted to Book Value Competitor Comparison

For the Banks - Regional subindustry, Viet Nam Joint Stock Commercial Bank For Industry And Trade'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.


Viet Nam Joint Stock Commercial Bank For Industry And Trade ROE % Adjusted to Book Value vs Banks Industry

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

* The bar in red indicates where Viet Nam Joint Stock Commercial Bank For Industry And Trade's ROE % Adjusted to Book Value falls into.


STC:CTG
72GF Score
Viet Nam Joint Stock Commercial Bank For Industry And Trade STC:CTG
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Viet Nam Joint Stock Commercial Bank For Industry And Trade ROE % Adjusted to Book Value Calculation

Viet Nam Joint Stock Commercial Bank For Industry And Trade'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
=21.23% / 1.56
=13.61%

Viet Nam Joint Stock Commercial Bank For Industry And Trade'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
=19.50% / 1.43
=13.64%

* 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 13.64% mean?
Viet Nam Joint Stock Commercial Bank For Industry And Trade (STC:CTG) has a ROE % Adjusted to Book Value of 13.64% 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 Viet Nam Joint Stock Commercial Bank For Industry And Trade and its competitors.
Is Viet Nam Joint Stock Commercial Bank For Industry And Trade's ROE % Adjusted to Book Value too high?
Viet Nam Joint Stock Commercial Bank For Industry And Trade's current ROE % Adjusted to Book Value is 13.64%. Overall, Viet Nam Joint Stock Commercial Bank For Industry And Trade has a GF Score™ of 72/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Viet Nam Joint Stock Commercial Bank For Industry And Trade's ROE % Adjusted to Book Value compare to competitors?
Viet Nam Joint Stock Commercial Bank For Industry And Trade's ROE % Adjusted to Book Value of 13.64% 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 Viet Nam Joint Stock Commercial Bank For Industry And Trade and its competitors. Viet Nam Joint Stock Commercial Bank For Industry And Trade's current ROE % Adjusted to Book Value is 13.64%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Viet Nam Joint Stock Commercial Bank For Industry And Trade stock overvalued right now?
Based on GuruFocus' analysis, Viet Nam Joint Stock Commercial Bank For Industry And Trade (STC:CTG) is currently considered Fairly Valued. The stock's GF Value™ is ₫32,002.62, compared to a current price of ₫33,600.00 — trading 5% above its estimated fair value. The current ROE % Adjusted to Book Value is 13.64%. Viet Nam Joint Stock Commercial Bank For Industry And Trade's overall GF Score™ is 72/100. 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 Viet Nam Joint Stock Commercial Bank For Industry And Trade (STC:CTG), the current ROE % Adjusted to Book Value is 13.64% 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 Viet Nam Joint Stock Commercial Bank For Industry And Trade (STC:CTG) Overvalued in 2026?

Based on GuruFocus' analysis, Viet Nam Joint Stock Commercial Bank For Industry And Trade stock appears to be overvalued. The current stock price of ₫33,600.00 is trading 5% above its estimated GF Value™ of ₫32,002.62. GuruFocus considers Viet Nam Joint Stock Commercial Bank For Industry And Trade to be Fairly Valued.

Key valuation signals for STC:CTG:

  • ROE % Adjusted to Book Value: 13.64%
  • GF Value™: ₫32,002.62 vs. price of ₫33,600.00 (5% above fair value)
  • GF Score™: 72/100

No single metric tells the full story. See the STC:CTG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Viet Nam Joint Stock Commercial Bank For Industry And Trade Business Description

Address 108 Tran Hung Dao Street, Hoan Kiem District, Hanoi, VNM
Viet Nam Joint Stock Commercial Bank For Industry And Trade is a Vietnam based banking service provider. The company's operating segment include Banking financial services, Non-banking financial services, and Others. It generates maximum revenue from the Banking financial services segment. The company provides banking services including mobilizing and receiving short, medium and long-term deposits from organizations or individuals; making short, medium and long term loans and advances to organizations and individuals; conducting foreign exchange transactions, international trade finance services, discounting of commercial papers, bonds and other valuable papers and other services.
72GF Score

Get the complete analysis for STC:CTG

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

₫33,600.00
Price
₫32,002.62
GF Value