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.
Joint Stock Commercial Bank for Foreign Trade of Vietnam's 3-Year RORE % for the quarter that ended in Mar. 2026 was 3.29%.
STC:VCB's 3-Year RORE % is ranked worse than 66.78% of 1472
companies
in the Banks industry
Industry Median: 9.87
vs STC:VCB: 3.29
Joint Stock Commercial Bank for Foreign Trade of Vietnam (STC:VCB) 3-Year RORE % Explanation
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.
Joint Stock Commercial Bank for Foreign Trade of Vietnam 3-Year RORE % Related Terms
Joint Stock Commercial Bank for Foreign Trade of Vietnam 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.
Joint Stock Commercial Bank for Foreign Trade of Vietnam 3-Year RORE % Chart
Joint Stock Commercial Bank for Foreign Trade of Vietnam 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.
Joint Stock Commercial Bank for Foreign Trade of Vietnam 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.
Joint Stock Commercial Bank for Foreign Trade of Vietnam (STC:VCB) has a 3-Year RORE % of 3.29 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 Joint Stock Commercial Bank for Foreign Trade of Vietnam and its competitors. According to the industry distribution chart, Joint Stock Commercial Bank for Foreign Trade of Vietnam ranks #983 out of 1472 companies in the Banks industry, placing it in the top 66.8%.
Is Joint Stock Commercial Bank for Foreign Trade of Vietnam's 3-Year RORE % too high?
Joint Stock Commercial Bank for Foreign Trade of Vietnam's current 3-Year RORE % is 3.29. The Banks industry median 3-Year RORE % is 9.87. Joint Stock Commercial Bank for Foreign Trade of Vietnam's value of 3.29 is 66.7% below this industry median. Based on the distribution chart, Joint Stock Commercial Bank for Foreign Trade of Vietnam ranks #983 out of 1472 companies in the Banks industry, which is below the industry midpoint. Overall, Joint Stock Commercial Bank for Foreign Trade of Vietnam has a GF Score™ of 84/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Joint Stock Commercial Bank for Foreign Trade of Vietnam's 3-Year RORE % compare to competitors?
According to the Banks industry distribution chart, Joint Stock Commercial Bank for Foreign Trade of Vietnam ranks #983 out of 1472 companies for 3-Year RORE %. This places Joint Stock Commercial Bank for Foreign Trade of Vietnam in the lower half of its industry. The industry median 3-Year RORE % is 9.87. Joint Stock Commercial Bank for Foreign Trade of Vietnam's value of 3.29 is 66.7% 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 9.87, based on 1,472 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. Joint Stock Commercial Bank for Foreign Trade of Vietnam's current 3-Year RORE % of 3.29 is 66.7% 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 Joint Stock Commercial Bank for Foreign Trade of Vietnam and its competitors. For the Banks industry, the median 3-Year RORE % is 9.87 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Joint Stock Commercial Bank for Foreign Trade of Vietnam's current 3-Year RORE % is 3.29. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Joint Stock Commercial Bank for Foreign Trade of Vietnam stock overvalued right now?
Based on GuruFocus' analysis, Joint Stock Commercial Bank for Foreign Trade of Vietnam (STC:VCB) is currently considered Modestly Undervalued. The stock's GF Value™ is ₫69,831.85, compared to a current price of ₫62,000.00 — trading 11.2% below its estimated fair value. The current 3-Year RORE % is 3.29 and 66.7% below the Banks industry median of 9.87. Joint Stock Commercial Bank for Foreign Trade of Vietnam's overall GF Score™ is 84/100 with 1 warning sign 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 Joint Stock Commercial Bank for Foreign Trade of Vietnam (STC:VCB), the current 3-Year RORE % is 3.29 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 Joint Stock Commercial Bank for Foreign Trade of Vietnam (STC:VCB) Overvalued in 2026?
Based on GuruFocus' analysis, Joint Stock Commercial Bank for Foreign Trade of Vietnam stock appears to be undervalued.
The current stock price of ₫62,000.00 is trading 11.2% below its estimated GF Value™ of ₫69,831.85.
GuruFocus considers Joint Stock Commercial Bank for Foreign Trade of Vietnam to be Modestly Undervalued.
Key valuation signals for STC:VCB:
3-Year RORE %: 3.29
GF Value™: ₫69,831.85 vs. price of ₫62,000.00 (11.2% below fair value)
Industry Position: 66.7% below the Banks median (#983 of 1472)
No single metric tells the full story. See the STC:VCB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Joint Stock Commercial Bank for Foreign Trade of Vietnam Business Description
Joint Stock Commercial Bank for Foreign Trade of Vietnam is a a state-owned commercial bank. Its activities include selling gold bars; mobilizing and receiving short, medium and long-term deposits from organizations and individuals; lending to organizations and individuals up to the nature and capability of the bank's capital resources; conducting settlement and cash services; providing other banking services. Its personal banking services include Account Services, Digital Banking Services, Cards, Loans, Savings, Insurance, Investments, and Money Transfer Services. Institutional banking provides SME banking, and corporate banking.
84GF Score
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