TCB.VN Vietnam Technological And Commercial Joint Stock Bank

Financial Services Banks - Regional Vietnam Stocks
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21,900 VND
Close of Oct 29, 2026
18,511 24,942
Market cap
VND 233T
P/E
8.1x
P/B
1.27x
ROE
15.7%
Dividend yield
3.04%
Fundamental score
2.9/5

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

Is TCB.VN undervalued?

Graham number
Price21,900
Graham value32,336
Discount32.3%

TCB.VN trades 32.3% 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 Technological And Commercial Joint Stock Bank fundamental analysis

12 of 18 checks passed

ROE 1/2

Moderate return on equity (15.7%), between 10% and 20%.

ROA 1/1

Return on assets (2.2%) is above the industry median (1.4%).

Profit Consistency 2/2

Profitable for 7 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 (17.1%) is above the 5-year average (-7.5% a year).

Earnings Growth vs Industry 1/1

Last year's EPS growth (17.1%) is above the industry median (16.3%).

Revenue Growth 1/2

Revenue grew 9.0% a year over the past 3 years.

Leverage 2/2

Total assets are 7.0x 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 (8.1x) is below the market median (11.2x).

PE vs Industry 0/1

PE (8.1x) 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 = 10.3, limit 22.5).

PEG 0/1

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

Dividend Yield 1/2

Dividend yield (3.0%) 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 28.0%, 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 Technological And Commercial Joint Stock Bank stock price

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

About Vietnam Technological And Commercial Joint Stock Bank

Vietnam Technological and Commercial Joint Stock Bank provides personal and corporate banking products and services in Vietnam and internationally. The company offers personal banking products and services, such as current accounts, foreign currency accounts, escrow account, and overdraft accounts; flexible and term deposits; certificates of deposit; car, home, and consumer loans; credit and debit cards; overseas money transfer and CDM services; and home, car, and health ins…

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