ACB.VN Asia Commercial Bank

Financial Services Banks - Regional Vietnam Stocks
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21,050 VND
Close of Oct 29, 2026
18,630 23,850
Market cap
VND 122T
P/E
7.7x
P/B
1.19x
ROE
17.1%
Dividend yield
3.66%
Fundamental score
2.9/5

Ratios use the latest price and the current fiscal year annualized from 3 quarters up to Sep 2026.

Is ACB.VN undervalued?

Graham number
Price21,050
Graham value33,013
Discount36.2%

ACB.VN trades 36.2% below its Graham number.

Graham number = √(22.5 × EPS × book value per share): the most a defensive investor should pay according to Benjamin Graham. An estimate, not a recommendation to buy or sell. How is it calculated?

Asia Commercial Bank fundamental analysis

13 of 18 checks passed

ROE 1/2

Moderate return on equity (17.1%), between 10% and 20%.

ROA 1/1

Return on assets (1.6%) is above the industry median (1.4%).

Profit Consistency 2/2

Profitable for 7 consecutive years.

Earnings Growth 5Y 1/1

Earnings per share grew over the past 5 years.

Earnings Acceleration 0/1

Last year's EPS growth (-6.9%) is not above the 5-year average (6.4% a year).

Earnings Growth vs Industry 0/1

Last year's EPS growth (-6.9%) is below the industry median (16.3%).

Revenue Growth 1/2

Revenue grew 5.0% a year over the past 3 years.

Leverage 1/2

Total assets are 10.6x equity, within a prudent level for a financial company.

Equity Growth 1/1

Shareholders' equity grew over the past 5 years.

PE vs Market 1/1

PE (7.7x) is below the market median (11.2x).

PE vs Industry 1/1

PE (7.7x) is below the industry median (7.8x).

PBV 1/1

Price to book (1.2x) is below the industry median (1.2x).

Graham Number 1/1

The price is below the Graham number (PE x PB = 9.1, limit 22.5).

PEG 0/1

PEG on 5-year earnings growth is 1.21, above 1.

Dividend Yield 1/2

Dividend yield (3.7%) is above the bottom 25% of dividend payers in the market.

Dividend Stability 0/2

Dividends were not paid steadily for the past 5 years.

Dividend Growth 0/1

Dividends paid did not grow over the past 5 years.

Payout Ratio 1/1

Payout ratio is 28.6%, covered by earnings.

Each check is worth 1 or 2 points by how much it says about the quality of the company. The score is the share of points earned, out of 5. Ask AI to explain this score

Asia Commercial Bank stock price

Prices on the chart can differ slightly from the closing prices StockSummer uses for its ratios.

About Asia Commercial Bank

Asia Commercial Joint Stock Bank provides various banking products and services to personal and business customers in Vietnam. It offers term and demand deposits, current accounts, and time deposits; credit, debit, prepaid, and corporate cards; and life, health, home, motor vehicle, cargo, property all risk, fire and special perils, installation and construction, ship, business interruption, and other insurance products. The company also provides consumer and business loans,…

Full company profile