Vietnam Maritime Commercial Joint Stock Bank (STC:MSB) Scaled Net Operating Assets: 0.12 (As of Mar. 2026)


STC:MSB Vietnam Maritime Commercial Joint Stock Bank STC:MSB
66 GF Score
Price ₫15,900.00
GF Value ₫10,894.21
Valuation Significantly Overvalued
! 6 Warning Signs
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What is Vietnam Maritime Commercial Joint Stock Bank Scaled Net Operating Assets?

Vietnam Maritime Commercial Joint Stock Bank STC:MSB +0.95% 66 Scaled Net Operating Assets is 0.12 as of Mar. 2026. GuruFocus rates STC:MSB with a GF Score™ of 66/100 and a GF Value™ of ₫10,894.21 (Significantly Overvalued). The stock has 6 warning signs investors should review.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Vietnam Maritime Commercial Joint Stock Bank's operating assets for the quarter that ended in Mar. 2026 was ₫335,420,693 Mil. Vietnam Maritime Commercial Joint Stock Bank's operating liabilities for the quarter that ended in Mar. 2026 was ₫285,061,501 Mil. Vietnam Maritime Commercial Joint Stock Bank's Total Assets for the quarter that ended in Dec. 2025 was ₫407,673,941 Mil. Therefore, Vietnam Maritime Commercial Joint Stock Bank's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.12.

STC:MSB
66GF Score
Vietnam Maritime Commercial Joint Stock Bank STC:MSB
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Vietnam Maritime Commercial Joint Stock Bank Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Vietnam Maritime Commercial Joint Stock Bank's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(337139119-283074279)/320148089
=0.17

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=407673941 - 70534822
=337139119

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=365227883 - 82153604 - 0
=283074279

Vietnam Maritime Commercial Joint Stock Bank's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(335420693-285061501)/407673941
=0.12

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=412910904 - 77490211
=335420693

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=368932991 - 83871490 - 0
=285061501

* 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.

What does a Scaled Net Operating Assets of 0.12 mean?
Vietnam Maritime Commercial Joint Stock Bank (STC:MSB) has a Scaled Net Operating Assets of 0.12 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Vietnam Maritime Commercial Joint Stock Bank and its competitors.
Is Vietnam Maritime Commercial Joint Stock Bank's Scaled Net Operating Assets too high?
Vietnam Maritime Commercial Joint Stock Bank's current Scaled Net Operating Assets is 0.12. 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 Scaled Net Operating Assets compare to competitors?
Vietnam Maritime Commercial Joint Stock Bank's Scaled Net Operating Assets of 0.12 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Vietnam Maritime Commercial Joint Stock Bank and its competitors. Vietnam Maritime Commercial Joint Stock Bank's current Scaled Net Operating Assets is 0.12. 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 Scaled Net Operating Assets is 0.12. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Vietnam Maritime Commercial Joint Stock Bank (STC:MSB), the current Scaled Net Operating Assets is 0.12 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:

  • Scaled Net Operating Assets: 0.12
  • GF Value™: ₫10,894.21 vs. price of ₫15,900.00 (45.9% above fair value)
  • GF Score™: 66/100 with 6 warning signs

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

Address No.54A Nguyen Chi Thanh Street, Lang thuong Ward, Dong Da District, Ha Noi, VNM
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

Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₫15,900.00
Price
₫10,894.21
GF Value