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Kien Long Commercial JSB (HSTC:KLB) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Jun. 2026) net income data. The Revenue data used here is four times the quarterly (Jun. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % 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 ROE %s can be extremely high.
* 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 ROE % Chart
Kien Long Commercial JSB Annual Data
Trend
ROE %
Kien Long Commercial JSB Quarterly Data
Mar25
Jun25
Mar26
Jun26
ROE %
0.00
0.00
18.95
23.12
HSTC:KLB vs PNC, USB: ROE % Comparison
For the Banks - Regional subindustry, Kien Long Commercial JSB's ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Kien Long Commercial JSB's ROE % distribution charts can be found below:
* The bar in red indicates where Kien Long Commercial JSB's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Jun. 2026) net income data.
ROE % is displayed in the 30-year financial page.
Kien Long Commercial JSB (HSTC:KLB) has a ROE % of 23.12% as of Jun. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Kien Long Commercial JSB and its competitors. According to the industry distribution chart, Kien Long Commercial JSB ranks #755 out of 1524 companies in the Banks industry, placing it in the top 49.5%.
Is Kien Long Commercial JSB's ROE % too high?
Kien Long Commercial JSB's current ROE % is 23.12%. The Banks industry median ROE % is 10.32. Kien Long Commercial JSB's value of 23.12% is 124% above this industry median. Based on the distribution chart, Kien Long Commercial JSB ranks #755 out of 1524 companies in the Banks industry, which is above the industry midpoint. Overall, Kien Long Commercial JSB has a GF Score™ of 27/100, reflecting its overall financial health beyond just this single metric.
How does Kien Long Commercial JSB's ROE % compare to PNC and USB?
According to the Banks industry distribution chart, Kien Long Commercial JSB ranks #755 out of 1524 companies for ROE %. This puts Kien Long Commercial JSB in the upper half of its industry. The industry median ROE % is 10.32. Kien Long Commercial JSB's value of 23.12% is 124% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % for a Banks company?
The median ROE % among Banks companies is 10.32, based on 1,524 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Kien Long Commercial JSB's current ROE % of 23.12% is 124% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Kien Long Commercial JSB and its competitors. For the Banks industry, the median ROE % is 10.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Kien Long Commercial JSB's current ROE % is 23.12%. 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 (HSTC:KLB) has a current ROE % of 23.12%. The current ROE % is 23.12% and 124% above the Banks industry median of 10.32. Kien Long Commercial JSB's overall GF Score™ is 27/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % calculated?
ROE % is calculated from a company's financial statements. For Kien Long Commercial JSB (HSTC:KLB), the current ROE % is 23.12% as of Jun. 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.
27GF Score
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