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KLB
BanksNgân hàng Thương mại Cổ phần Kiên Long
Ngân hàngNH
13.150
VND · Last close
Valuation Verdict
Undervalued
-120%Fair Value+120%
Intrinsic Value
21.697
Current
13.150
Gap
+65.0%
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→14.36%
Regression type→huber_multifactor
R²→0.6592
2
Valuation
Fair P/B
1.50x
x
BVPS
14.457
=
Intrinsic Value
21.697
Valuation Track Record
Retroactive intrinsic value vs actual close price — KLB
Earnings Quality
Fiscal year 2025
60
Fair
Accrual Quality
99Cash Conversion
100Margin Stability
40Revenue Quality
0Quantitative Scores
F-Score
4/9
Neutral
Sharpe
1.23
Excellent
Composite
75
Strong
Price Risk
Momentum
+134.2%
Volatility
33.7%
Max Drawdown
-24.6%
Key Ratios
Fiscal year 2025
1.01P/B
P/E4.58
ROE24.7%
ROA1.9%
EPS3188.38
BVPS14457.11
Net Margin49.3%
Rev Growth18.1%
Profit Growth109.1%
Div Yield0.0%
Company Overview
Issued Shares
582.2M
Charter Capital
5821.7B VND
Sector (ICB L2)
Ngân hàng
Industry (ICB L3)
Ngân hàng
Sub-industry
Ngân hàng
Company Type
NH
// OWNERSHIP_NETWORK
> mapping common ownership for KLB — hover nodes for intel, click to navigate
Computed 12/04/2026