MBB.VN Military Commercial Joint Stock Bank

Financial Services Banks - Regional Vietnam Stocks
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19,300 VND
Close of Oct 30, 2026
18,826 24,288
Market cap
VND 181T
P/E
5.9x
P/B
1.21x
ROE
21.1%
Dividend yield
1.15%
Fundamental score
4.0/5

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

Is MBB.VN undervalued?

Graham number
Price19,300
Graham value34,188
Discount43.5%

MBB.VN trades 43.5% 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?

Military Commercial Joint Stock Bank fundamental analysis

16 of 18 checks passed

ROE 2/2

High return on equity (21.1%), above 20%.

ROA 1/1

Return on assets (1.8%) 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 1/1

Last year's EPS growth (18.3%) is above the 5-year average (12.6% a year).

Earnings Growth vs Industry 1/1

Last year's EPS growth (18.3%) is above the industry median (16.3%).

Revenue Growth 2/2

Revenue grew 13.0% a year over the past 3 years.

Leverage 1/2

Total assets are 11.6x 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 (6.0x) is below the market median (11.2x).

PE vs Industry 1/1

PE (6.0x) 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 = 7.3, limit 22.5).

PEG 1/1

PEG on 5-year earnings growth is 0.48, growth is cheap.

Dividend Yield 1/2

Dividend yield (1.1%) 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 7.7%, 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

Military Commercial Joint Stock Bank stock price

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

About Military Commercial Joint Stock Bank

Military Commercial Joint Stock Bank provides banking products and services in Vietnam. The company offers savings, current, special-numbered, escrow, special, and lump sum accounts; debit and credit card; business solution package; and MB Ageas life products. It also provides home, production and business, auto, consumer loans, as well as loan for securities advance and equitization loan; fund transfer and payment services; and account services, products and services for so…

Full company profile