VIB.VN Viet Nam International Commercial Joint Stock Bank

Financial Services Banks - Regional Vietnam Stocks
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13,800 VND
Close of Oct 30, 2026
12,809 15,551
Market cap
VND 52.0T
P/E
7.0x
P/B
1.09x
ROE
17.3%
Dividend yield
4.01%
Fundamental score
2.9/5

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

Is VIB.VN undervalued?

Graham number
Price13,800
Graham value23,703
Discount41.8%

VIB.VN trades 41.8% 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?

Viet Nam International Commercial Joint Stock Bank fundamental analysis

13 of 18 checks passed

ROE 1/2

Moderate return on equity (17.3%), between 10% and 20%.

ROA 1/1

Return on assets (1.4%) is above 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 (0.9%) is not above the 5-year average (4.4% a year).

Earnings Growth vs Industry 0/1

Last year's EPS growth (0.9%) is below the industry median (16.3%).

Revenue Growth 1/2

Revenue grew 1.1% a year over the past 3 years.

Leverage 1/2

Total assets are 12.1x equity, within a prudent level for a financial company.

Equity Growth 1/1

Shareholders' equity grew over the past 5 years.

PE vs Market 1/1

PE (7.1x) is below the market median (11.2x).

PE vs Industry 1/1

PE (7.1x) is below the industry median (7.8x).

PBV 1/1

Price to book (1.1x) is below the industry median (1.2x).

Graham Number 1/1

The price is below the Graham number (PE x PB = 7.8, limit 22.5).

PEG 0/1

PEG on 5-year earnings growth is 1.61, above 1.

Dividend Yield 1/2

Dividend yield (4.0%) 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 28.6%, 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

Viet Nam International Commercial Joint Stock Bank stock price

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

About Viet Nam International Commercial Joint Stock Bank

Vietnam International Commercial Joint Stock Bank provides various banking products and services to organizations and individuals primarily in Vietnam. It offers current, business, and digi accounts; term, foreign term, and flexi deposits; savings; mortgage, new and used auto purchase, apartment, home refinancing, unsecured personal, working capital, and business investment loans; and short, medium, and long-term loans. The company also provides treasury and insurance produc…

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