Vietnam Maritime Commercial Joint Stock Bank (STC:MSB) ROE % Adjusted to Book Value: 17.10% (As of Mar. 2026)


STC:MSB Vietnam Maritime Commercial Joint Stock Bank STC:MSB
66 GF Score
Price ₫15,900.00
GF Value ₫10,894.21
Valuation Significantly Overvalued
! 6 Warning Signs
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What is Vietnam Maritime Commercial Joint Stock Bank ROE % Adjusted to Book Value?

Vietnam Maritime Commercial Joint Stock Bank STC:MSB +0.95% 66 ROE % Adjusted to Book Value is 17.10% as of Mar. 2026. GuruFocus rates STC:MSB with a GF Score™ of 66/100 and a GF Value™ of ₫10,894.21 (Significantly Overvalued). The stock has 6 warning signs investors should review.

Vietnam Maritime Commercial Joint Stock Bank's ROE % for the quarter that ended in Mar. 2026 was 14.02%. Vietnam Maritime Commercial Joint Stock Bank's PB Ratio for the quarter that ended in Mar. 2026 was 0.82. Vietnam Maritime Commercial Joint Stock Bank's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 was 17.10%.


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


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

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The historical data trend for Vietnam Maritime 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.

Vietnam Maritime Commercial Joint Stock Bank ROE % Adjusted to Book Value Chart

Vietnam Maritime Commercial Joint Stock Bank Annual Data
Trend Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROE % Adjusted to Book Value
Get a 7-Day Free Trial 10.53 20.39 19.31 19.77 15.60

Vietnam Maritime 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 16.30 16.20 12.63 19.60 17.10

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

For the Banks - Regional subindustry, Vietnam Maritime 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.


Vietnam Maritime Commercial Joint Stock Bank ROE % Adjusted to Book Value vs Banks Industry

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

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


STC:MSB
66GF Score
Vietnam Maritime Commercial Joint Stock Bank STC:MSB
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
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Vietnam Maritime Commercial Joint Stock Bank ROE % Adjusted to Book Value Calculation

Vietnam Maritime 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
=14.20% / 0.91
=15.60%

Vietnam Maritime 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
=14.02% / 0.82
=17.10%

* 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 17.10% mean?
Vietnam Maritime Commercial Joint Stock Bank (STC:MSB) has a ROE % Adjusted to Book Value of 17.10% 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 Vietnam Maritime Commercial Joint Stock Bank and its competitors.
Is Vietnam Maritime Commercial Joint Stock Bank's ROE % Adjusted to Book Value too high?
Vietnam Maritime Commercial Joint Stock Bank's current ROE % Adjusted to Book Value is 17.10%. 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 ROE % Adjusted to Book Value compare to competitors?
Vietnam Maritime Commercial Joint Stock Bank's ROE % Adjusted to Book Value of 17.10% 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 Vietnam Maritime Commercial Joint Stock Bank and its competitors. Vietnam Maritime Commercial Joint Stock Bank's current ROE % Adjusted to Book Value is 17.10%. 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 ₫10,894.21, compared to a current price of ₫15,900.00 — trading 45.9% above its estimated fair value. The current ROE % Adjusted to Book Value is 17.10%. 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 ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For Vietnam Maritime Commercial Joint Stock Bank (STC:MSB), the current ROE % Adjusted to Book Value is 17.10% 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 ₫15,900.00 is trading 45.9% above its estimated GF Value™ of ₫10,894.21. GuruFocus considers Vietnam Maritime Commercial Joint Stock Bank to be Significantly Overvalued.

Key valuation signals for STC:MSB:

  • ROE % Adjusted to Book Value: 17.10%
  • GF Value™: ₫10,894.21 vs. price of ₫15,900.00 (45.9% above fair value)
  • GF Score™: 66/100 with 6 warning signs

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

Address No.54A Nguyen Chi Thanh Street, Lang thuong Ward, Dong Da District, Ha Noi, VNM
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

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

₫15,900.00
Price
₫10,894.21
GF Value