Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments.
Vietnam Maritime Commercial Joint Stock Bank's 3-Year RORE % for the quarter that ended in Mar. 2026 was 7.70%.
Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.
There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 3-year period is chosen.
Be Aware
Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.
Vietnam Maritime Commercial Joint Stock Bank 3-Year RORE % Related Terms
Vietnam Maritime Commercial Joint Stock Bank 3-Year RORE % 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 3-Year RORE % Chart
Vietnam Maritime Commercial Joint Stock Bank Annual Data
For the Banks - Regional subindustry, Vietnam Maritime Commercial Joint Stock Bank's 3-Year RORE %, along with its competitors' market caps and 3-Year RORE % 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 3-Year RORE % 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 3-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Mar. 2026 and 3-year before.
Vietnam Maritime Commercial Joint Stock Bank (STC:MSB) has a 3-Year RORE % of 7.70 as of Mar. 2026. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Vietnam Maritime Commercial Joint Stock Bank and its competitors. According to the industry distribution chart, Vietnam Maritime Commercial Joint Stock Bank ranks #824 out of 1471 companies in the Banks industry, placing it in the top 56%.
Is Vietnam Maritime Commercial Joint Stock Bank's 3-Year RORE % too high?
Vietnam Maritime Commercial Joint Stock Bank's current 3-Year RORE % is 7.70. The Banks industry median 3-Year RORE % is 9.93. Vietnam Maritime Commercial Joint Stock Bank's value of 7.70 is 22.5% below this industry median. Based on the distribution chart, Vietnam Maritime Commercial Joint Stock Bank ranks #824 out of 1471 companies in the Banks industry, which is below the industry midpoint. 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 3-Year RORE % compare to competitors?
According to the Banks industry distribution chart, Vietnam Maritime Commercial Joint Stock Bank ranks #824 out of 1471 companies for 3-Year RORE %. This places Vietnam Maritime Commercial Joint Stock Bank in the lower half of its industry. The industry median 3-Year RORE % is 9.93. Vietnam Maritime Commercial Joint Stock Bank's value of 7.70 is 22.5% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year RORE % for a Banks company?
The median 3-Year RORE % among Banks companies is 9.93, based on 1,471 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year RORE % 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 3-Year RORE % of 7.70 is 22.5% 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 3-Year RORE % mean?
A high 3-Year RORE % can signal that a stock is expensive relative to its fundamentals. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Vietnam Maritime Commercial Joint Stock Bank and its competitors. For the Banks industry, the median 3-Year RORE % is 9.93 — 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 3-Year RORE % is 7.70. 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 ₫10,829.77, compared to a current price of ₫16,200.00 — trading 49.6% above its estimated fair value. The current 3-Year RORE % is 7.70 and 22.5% below the Banks industry median of 9.93. 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 3-Year RORE % calculated?
3-Year RORE % is calculated from a company's financial statements. For Vietnam Maritime Commercial Joint Stock Bank (STC:MSB), the current 3-Year RORE % is 7.70 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 ₫16,200.00 is trading 49.6% above its estimated GF Value™ of ₫10,829.77.
GuruFocus considers Vietnam Maritime Commercial Joint Stock Bank to be Significantly Overvalued.
Key valuation signals for STC:MSB:
3-Year RORE %: 7.70
GF Value™: ₫10,829.77 vs. price of ₫16,200.00 (49.6% above fair value)
Industry Position: 22.5% below the Banks median (#824 of 1471)
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
Get the complete analysis for STC:MSB
3-Year RORE % 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:MSB has been successfully added to your 
