STC:MSB's ROE % is ranked better than 77.56% of 1524
companies
in the Banks industry
Industry Median: 10.22
vs STC:MSB: 14.38
Vietnam Maritime Commercial Joint Stock Bank (STC:MSB) 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.
Vietnam Maritime Commercial Joint Stock Bank ROE % Related Terms
Vietnam Maritime 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.
Vietnam Maritime Commercial Joint Stock Bank ROE % Chart
Vietnam Maritime 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.
Vietnam Maritime 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.
Vietnam Maritime Commercial Joint Stock Bank (STC:MSB) has a ROE % of 14.02% 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 Vietnam Maritime Commercial Joint Stock Bank and its competitors. This is 13% below median its historical median of 16.03. Over the past decade, Vietnam Maritime Commercial Joint Stock Bank's ROE % has ranged from 7.02 to 20.74. According to the industry distribution chart, Vietnam Maritime Commercial Joint Stock Bank ranks #342 out of 1524 companies in the Banks industry, placing it in the top 22.4%.
Is Vietnam Maritime Commercial Joint Stock Bank's ROE % too high?
Vietnam Maritime Commercial Joint Stock Bank's current ROE % of 14.02% is 13% below median its 10-year median of 16.03. Over the past 10 years, this metric has ranged from a low of 7.02 to a high of 20.74. The Banks industry median ROE % is 10.22. Vietnam Maritime Commercial Joint Stock Bank's value of 14.02% is 37.2% above this industry median. Based on the distribution chart, Vietnam Maritime Commercial Joint Stock Bank ranks #342 out of 1524 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 % compare to competitors?
According to the Banks industry distribution chart, Vietnam Maritime Commercial Joint Stock Bank ranks #342 out of 1524 companies for ROE %. This places Vietnam Maritime Commercial Joint Stock Bank in the top 22% of its industry — outperforming the majority of peers. The industry median ROE % is 10.22. Vietnam Maritime Commercial Joint Stock Bank's value of 14.02% is 37.2% above this benchmark. Historically, Vietnam Maritime Commercial Joint Stock Bank's own ROE % has ranged from 7.02 to 20.74 over the past decade. While the company's 10-year median is 16.03 vs. the industry median of 10.22, Vietnam Maritime Commercial Joint Stock Bank has consistently been above 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 10.22, 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. Vietnam Maritime Commercial Joint Stock Bank's current ROE % of 14.02% is 37.2% 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 Vietnam Maritime Commercial Joint Stock Bank and its competitors. For the Banks industry, the median ROE % is 10.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Vietnam Maritime Commercial Joint Stock Bank's current ROE % is 14.02%, which is 13% below median its own 10-year median of 16.03. 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 % is 14.02%, which is 13% below median its 10-year median of 16.03 and 37.2% above the Banks industry median of 10.22. 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 % calculated?
ROE % is calculated from a company's financial statements. For Vietnam Maritime Commercial Joint Stock Bank (STC:MSB), the current ROE % is 14.02% 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 %: 14.02% (13% below median its 10-year median of 16.03)
GF Value™: ₫10,894.21 vs. price of ₫15,900.00 (45.9% above fair value)
Industry Position: 37.2% above the Banks median (#342 of 1524)
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
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
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