Orient Commercial JSCSTC:OCB 73 ROE % is 11.34% as of Mar. 2026, which is 24% below its 10-year median of 14.91. GuruFocus rates STC:OCB with a GF Score™ of 73/100 and a GF Value™ of ₫13,791.22 (Fairly Valued). The stock has 1 warning sign investors should review. Among 1,524 Banks companies, Orient Commercial JSC ranks better than 68.83% on this metric.
The historical rank and industry rank for Orient Commercial JSC's ROE % or its related term are showing as below:
STC:OCB'
s ROE % Range Over the Past 10 Years
Min: 10.54 Med: 14.91 Max: 24.43
Current: 12.85
During the past 7 years, Orient Commercial JSC's highest ROE % was 24.43%. The lowest was 10.54%. And the median was 14.91%.
STC:OCB's ROE % is ranked better than 68.83% of 1524
companies
in the Banks industry
Industry Median: 10.22
vs STC:OCB: 12.85
Orient Commercial JSC (STC:OCB) 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.
* 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.
For the Banks - Regional subindustry, Orient Commercial JSC'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.
Orient Commercial JSC ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Orient Commercial JSC's ROE % distribution charts can be found below:
* The bar in red indicates where Orient Commercial JSC'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 (Mar. 2026) net income data.
ROE % is displayed in the 30-year financial page.
Orient Commercial JSC (STC:OCB) has a ROE % of 11.34% 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 Orient Commercial JSC and its competitors. This is 24% below median its historical median of 14.91. Over the past decade, Orient Commercial JSC's ROE % has ranged from 10.54 to 24.43. According to the industry distribution chart, Orient Commercial JSC ranks #475 out of 1524 companies in the Banks industry, placing it in the top 31.2%.
Is Orient Commercial JSC's ROE % too high?
Orient Commercial JSC's current ROE % of 11.34% is 24% below median its 10-year median of 14.91. Over the past 10 years, this metric has ranged from a low of 10.54 to a high of 24.43. The Banks industry median ROE % is 10.22. Orient Commercial JSC's value of 11.34% is 11% above this industry median. Based on the distribution chart, Orient Commercial JSC ranks #475 out of 1524 companies in the Banks industry, which is above the industry midpoint. Overall, Orient Commercial JSC has a GF Score™ of 73/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Orient Commercial JSC's ROE % compare to competitors?
According to the Banks industry distribution chart, Orient Commercial JSC ranks #475 out of 1524 companies for ROE %. This puts Orient Commercial JSC in the upper half of its industry. The industry median ROE % is 10.22. Orient Commercial JSC's value of 11.34% is 11% above this benchmark. Historically, Orient Commercial JSC's own ROE % has ranged from 10.54 to 24.43 over the past decade. While the company's 10-year median is 14.91 vs. the industry median of 10.22, Orient Commercial JSC 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. Orient Commercial JSC's current ROE % of 11.34% is 11% 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 Orient Commercial JSC 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. Orient Commercial JSC's current ROE % is 11.34%, which is 24% below median its own 10-year median of 14.91. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Orient Commercial JSC stock overvalued right now?
Based on GuruFocus' analysis, Orient Commercial JSC (STC:OCB) is currently considered Fairly Valued. The stock's GF Value™ is ₫13,791.22, compared to a current price of ₫12,700.00 — trading 7.9% below its estimated fair value. The current ROE % is 11.34%, which is 24% below median its 10-year median of 14.91 and 11% above the Banks industry median of 10.22. Orient Commercial JSC's overall GF Score™ is 73/100 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 Orient Commercial JSC (STC:OCB), the current ROE % is 11.34% 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 Orient Commercial JSC (STC:OCB) Overvalued in 2026?
Based on GuruFocus' analysis, Orient Commercial JSC stock appears to be undervalued.
The current stock price of ₫12,700.00 is trading 7.9% below its estimated GF Value™ of ₫13,791.22.
GuruFocus considers Orient Commercial JSC to be Fairly Valued.
Key valuation signals for STC:OCB:
ROE %: 11.34% (24% below median its 10-year median of 14.91)
GF Value™: ₫13,791.22 vs. price of ₫12,700.00 (7.9% below fair value)
Industry Position: 11% above the Banks median (#475 of 1524)
No single metric tells the full story. See the STC:OCB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Orient Commercial JSC is a commercial bank in Vietnam. The bank provides deposit facility, loans, insurance services, money transfer services, corporate banking services, and other related services.
73GF Score
Get the complete analysis for STC:OCB
ROE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
STC:OCB has been successfully added to your 
