CTG.VN Vietnam JSCmmercial Bank for Industry and Trade

Financial Services Banks - Regional Vietnam Stocks
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30,350 VND
Close of Oct 29, 2026
28,400 42,841
Market cap
VND 236T
P/E
5.9x
P/B
1.20x
ROE
20.8%
Dividend yield
1.03%
Fundamental score
3.5/5

Ratios use the latest price and the current fiscal year annualized from 2 quarters up to Jun 2026.

Is CTG.VN undervalued?

Graham number
Price30,350
Graham value54,277
Discount44.1%

CTG.VN trades 44.1% 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?

Vietnam JSCmmercial Bank for Industry and Trade fundamental analysis

15 of 18 checks passed

ROE 2/2

High return on equity (20.8%), above 20%.

ROA 0/1

Return on assets (1.4%) is below 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 1/1

Last year's EPS growth (36.5%) is above the 5-year average (9.4% a year).

Earnings Growth vs Industry 1/1

Last year's EPS growth (36.5%) is above the industry median (16.3%).

Revenue Growth 1/2

Revenue grew 9.7% a year over the past 3 years.

Leverage 1/2

Total assets are 14.9x 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 (5.9x) is below the market median (11.2x).

PE vs Industry 1/1

PE (5.9x) 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 = 7.0, limit 22.5).

PEG 1/1

PEG on 5-year earnings growth is 0.63, growth is cheap.

Dividend Yield 0/2

Dividend yield (1.0%) is in 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 1/1

Dividends paid grew over the past 5 years.

Payout Ratio 1/1

Payout ratio is 7.0%, 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

Vietnam JSCmmercial Bank for Industry and Trade stock price

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

About Vietnam JSCmmercial Bank for Industry and Trade

Vietnam Joint Stock Commercial Bank for Industry and Trade, together with its subsidiaries, provides various banking products and services in Vietnam and internationally. The company offers account services; credit, debit, and other cards, as well as card payment services; digital banking; demand, escrow, regular term, and automatic term deposits; property, car, consumer, special, mid/long/short-term, and other loans, as well as loans for production and business; foreign cur…

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