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BAB
BanksNgân hàng Thương mại Cổ phần Bắc Á
Ngân hàngNH
11.000
VND · Last close
Valuation Verdict
Fairly Valued
-120%Fair Value+120%
Intrinsic Value
10.469
Current
11.000
Gap
-4.8%
ModelPB ROE REGRESSION
Valuation Breakdown
NH→Bank
Classified as bank because company type is NH (commercial bank)
ModelP/B x ROE Regression
Intrinsic Value = Fair P/B x Book Value Per ShareEstimates fair value by finding the statistical relationship between how much investors pay for a bank's book value (P/B) and how efficiently it generates returns (ROE). A bank that earns more on its equity deserves a higher price-to-book multiple. We regress P/B against ROE, NIM, and cost efficiency across all listed Vietnamese banks to find where this bank should trade.
1
Model Inputs
Avg ROE→8.93%
Regression type→huber_multifactor
R²→0.6592
2
Valuation
Fair P/B
0.79x
x
BVPS
13.266
=
Intrinsic Value
10.469
Valuation Track Record
Retroactive intrinsic value vs actual close price — BAB
Earnings Quality
Fiscal year 2025
71
Good
Accrual Quality
82Cash Conversion
100Margin Stability
100Revenue Quality
0Quantitative Scores
F-Score
3/9
Weak
Sharpe
0.02
Positive
Composite
61
Fair
Price Risk
Momentum
+11.3%
Volatility
28.4%
Max Drawdown
-23.9%
Key Ratios
Fiscal year 2025
0.83P/B
P/E9.28
ROE9.5%
ROA0.7%
EPS1185.78
BVPS13266.20
Net Margin34.5%
Rev Growth14.8%
Profit Growth17.6%
Div Yield0.0%
Company Overview
Issued Shares
1072.1M
Charter Capital
10721.4B VND
Sector (ICB L2)
Ngân hàng
Industry (ICB L3)
Ngân hàng
Sub-industry
Ngân hàng
Company Type
NH
// OWNERSHIP_NETWORK
> mapping common ownership for BAB — hover nodes for intel, click to navigate
Computed 12/04/2026