OCB.VN Orient Commercial JS Bank

Financial Services Banks - Regional Vietnam Stocks
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10,750 VND
Close of Oct 29, 2026
9,043 11,600
Market cap
VND 32.9T
P/E
7.3x
P/B
0.88x
ROE
11.7%
Dividend yield
5.21%
Fundamental score
3.3/5

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

Is OCB.VN undervalued?

Graham number
Price10,750
Graham value20,048
Discount46.4%

OCB.VN trades 46.4% 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?

Orient Commercial JS Bank fundamental analysis

14 of 18 checks passed

ROE 1/2

Moderate return on equity (11.7%), between 10% and 20%.

ROA 0/1

Return on assets (1.2%) is below the industry median (1.4%).

Profit Consistency 2/2

Profitable for 6 consecutive years.

Earnings Growth 5Y 0/1

Earnings per share did not grow over the past 5 years.

Earnings Acceleration 1/1

Last year's EPS growth (26.4%) is above the 5-year average (-1.8% a year).

Earnings Growth vs Industry 1/1

Last year's EPS growth (26.4%) is above the industry median (16.3%).

Revenue Growth 1/2

Revenue grew 8.8% a year over the past 3 years.

Leverage 2/2

Total assets are 9.8x 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 (7.3x) is below the market median (11.2x).

PE vs Industry 1/1

PE (7.3x) is below the industry median (7.8x).

PBV 1/1

Price to book (0.9x) is below the industry median (1.2x).

Graham Number 1/1

The price is below the Graham number (PE x PB = 6.5, limit 22.5).

PEG 0/1

PEG needs positive PE and positive 5-year earnings growth.

Dividend Yield 1/2

Dividend yield (5.2%) 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 1/1

Dividends paid grew over the past 5 years.

Payout Ratio 1/1

Payout ratio is 42.7%, 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

Orient Commercial JS Bank stock price

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

About Orient Commercial JS Bank

Orient Commercial Joint Stock Bank provides banking products and services in Vietnam. The company is involved in the mobilising short-term, current account, medium-term, and long-term deposits; receiving entrusted funds from domestic organisations; borrowing from credit institutions; granting short-term, medium-term, and long-term loans; discounting commercial papers, bonds, and valuable papers; joint ventures and capital contribution; payment transaction services; foreign c…

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