SSB.VN Southeast Asia Commercial JS Bank

Financial Services Banks - Regional Vietnam Stocks
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15,600 VND
Close of Oct 29, 2026
13,234 24,800
Market cap
VND 53.5T
P/E
18.2x
P/B
1.29x
ROE
10.0%
Dividend yield
-
Fundamental score
1.5/5

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

Is SSB.VN undervalued?

Graham number
Price15,600
Graham value15,268
Premium2.2%

SSB.VN trades 2.2% above 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?

Southeast Asia Commercial JS Bank fundamental analysis

6 of 18 checks passed

ROE 0/2

Low return on equity (10.0%), below 10%.

ROA 0/1

Return on assets (1.0%) 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 (14.0%) is not above the 5-year average (24.0% a year).

Earnings Growth vs Industry 0/1

Last year's EPS growth (14.0%) is below the industry median (16.3%).

Revenue Growth 1/2

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

Leverage 1/2

Total assets are 10.1x equity, within a prudent level for a financial company.

Equity Growth 1/1

Shareholders' equity grew over the past 5 years.

PE vs Market 0/1

PE (18.2x) is above the market median (11.2x).

PE vs Industry 0/1

PE (18.2x) is above the industry median (7.8x).

PBV 0/1

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

Graham Number 0/1

The price is above the Graham number (PE x PB = 23.5, limit 22.5).

PEG 1/1

PEG on 5-year earnings growth is 0.76, 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

Southeast Asia Commercial JS Bank stock price

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

About Southeast Asia Commercial JS Bank

Southeast Asia Commercial Joint Stock Bank provides retail and corporate banking products and services in Vietnam. It offers payment, business, payroll, current, and savings accounts; periodic, margin, term, and prepaid interest deposits, as well as deposits with withdrawal option; escrow services; instalment, women's union, overdraft, livestock, teacher, civil servant, and unsecured business loans; home, car, and personal mortgage loans; business loans; financing for auto d…

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