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What is National Citizen Commercial Joint Stock Bank ROE %?
National Citizen Commercial Joint Stock BankHSTC:NVB 28 ROE % is 6.31% as of Mar. 2026, which is 3221% above its 10-year median of 0.19. GuruFocus rates HSTC:NVB with a GF Score™ of 28/100. The stock has 4 warning signs investors should review. Among 1,528 Banks companies, National Citizen Commercial Joint Stock Bank ranks worse than 94.31% on this metric.
HSTC:NVB's ROE % is ranked worse than 94.31% of 1528
companies
in the Banks industry
Industry Median: 10.225
vs HSTC:NVB: 0.70
National Citizen Commercial Joint Stock Bank (HSTC:NVB) 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 (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 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.
National Citizen Commercial Joint Stock Bank ROE % Related Terms
National Citizen Commercial Joint Stock Bank ROE % 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.
National Citizen Commercial Joint Stock Bank ROE % Chart
National Citizen Commercial Joint Stock Bank Annual Data
* 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.
National Citizen Commercial Joint Stock Bank ROE % 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 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 (Mar. 2026) net income data.
ROE % is displayed in the 30-year financial page.
National Citizen Commercial Joint Stock Bank (HSTC:NVB) has a ROE % of 6.31% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on National Citizen Commercial Joint Stock Bank and its competitors. This is 3221% above median its historical median of 0.19. According to the industry distribution chart, National Citizen Commercial Joint Stock Bank ranks #1441 out of 1528 companies in the Banks industry, placing it in the top 94.3%.
Is National Citizen Commercial Joint Stock Bank's ROE % too high?
National Citizen Commercial Joint Stock Bank's current ROE % of 6.31% is 3221% above median its 10-year median of 0.19. The Banks industry median ROE % is 10.23. National Citizen Commercial Joint Stock Bank's value of 6.31% is 38.3% below this industry median. Based on the distribution chart, National Citizen Commercial Joint Stock Bank ranks #1441 out of 1528 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, National Citizen Commercial Joint Stock Bank has a GF Score™ of 28/100, reflecting its overall financial health beyond just this single metric.
How does National Citizen Commercial Joint Stock Bank's ROE % compare to competitors?
According to the Banks industry distribution chart, National Citizen Commercial Joint Stock Bank ranks #1441 out of 1528 companies for ROE %. This places National Citizen Commercial Joint Stock Bank in the lower half of its industry. The industry median ROE % is 10.23. National Citizen Commercial Joint Stock Bank's value of 6.31% is 38.3% below this benchmark. While the company's 10-year median is 0.19 vs. the industry median of 10.23, National Citizen Commercial Joint Stock Bank has consistently been below 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 ROE % for a Banks company?
The median ROE % among Banks companies is 10.23, based on 1,528 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. National Citizen Commercial Joint Stock Bank's current ROE % of 6.31% is 38.3% below 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 National Citizen Commercial Joint Stock Bank and its competitors. For the Banks industry, the median ROE % is 10.23 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. National Citizen Commercial Joint Stock Bank's current ROE % is 6.31%, which is 3221% above median its own 10-year median of 0.19. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is National Citizen Commercial Joint Stock Bank stock overvalued right now?
National Citizen Commercial Joint Stock Bank (HSTC:NVB) has a current ROE % of 6.31%. The current ROE % is 6.31%, which is 3221% above median its 10-year median of 0.19 and 38.3% below the Banks industry median of 10.23. National Citizen Commercial Joint Stock Bank's overall GF Score™ is 28/100 with 4 warning signs 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 National Citizen Commercial Joint Stock Bank (HSTC:NVB), the current ROE % is 6.31% 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.
National Citizen Commercial Joint Stock Bank Business Description
National Citizen Commercial Joint Stock Bank is a Vietnam based company engaged in offering various banking services. It offers banking services to both personal and corporate customers. The portfolio of facilities includes transaction account, term deposit, credit facilities, foreign exchange products, international payments services, e-banking service, card products, treasury service and insurance service, among others.
28GF Score
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