MSB.VN Vietnam Maritime Commercial JS Bank

Financial Services Banks - Regional Vietnam Stocks
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16,050 VND
Close of Oct 29, 2026
9,000 16,150
Market cap
VND 60.1T
P/E
10.2x
P/B
1.32x
ROE
12.2%
Dividend yield
-
Fundamental score
2.3/5

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

Is MSB.VN undervalued?

Graham number
Price16,050
Graham value20,753
Discount22.7%

MSB.VN trades 22.7% 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 Maritime Commercial JS Bank fundamental analysis

9 of 18 checks passed

ROE 1/2

Moderate return on equity (12.2%), between 10% and 20%.

ROA 0/1

Return on assets (1.3%) is below the industry median (1.4%).

Profit Consistency 2/2

Profitable for 6 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 (2.0%) is not above the 5-year average (12.6% a year).

Earnings Growth vs Industry 0/1

Last year's EPS growth (2.0%) is below the industry median (16.3%).

Revenue Growth 1/2

Revenue grew 6.2% a year over the past 3 years.

Leverage 2/2

Total assets are 9.7x 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 (10.2x) is below the market median (11.2x).

PE vs Industry 0/1

PE (10.2x) is above the industry median (7.8x).

PBV 0/1

Price to book (1.3x) is above the industry median (1.2x).

Graham Number 1/1

The price is below the Graham number (PE x PB = 13.5, limit 22.5).

PEG 1/1

PEG on 5-year earnings growth is 0.81, growth is cheap.

Dividend Yield 0/2

No dividend paid in the last reported year.

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 0/1

No dividend, or no profit to pay it from.

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 Maritime Commercial JS Bank stock price

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

About Vietnam Maritime Commercial JS Bank

Vietnam Maritime Commercial Joint Stock Bank provides commercial and retail banking products and services in Vietnam. The company offers fixed term and flexible savings accounts, and credit, debit, and hybrid cards. It also provides real estate, business, consumer, auto, home renovation loans, as well as consumer overdrafts; investment products; savings-linked and investment-linked, health, and property insurance products; international transfers and remittances, and foreign…

Full company profile