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OCB
BanksNgân hàng Thương mại Cổ phần Phương Đông
Ngân hàngNH
11.200
VND · Last close
Valuation Verdict
Undervalued
-120%Fair Value+120%
Intrinsic Value
18.527
Current
11.200
Gap
+65.4%
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→12.28%
Regression type→huber_multifactor
R²→0.6592
2
Valuation
Fair P/B
1.45x
x
BVPS
12.746
=
Intrinsic Value
18.527
Valuation Track Record
Retroactive intrinsic value vs actual close price — OCB
Earnings Quality
Fiscal year 2025
74
Good
Accrual Quality
89Cash Conversion
100Margin Stability
88Revenue Quality
16Quantitative Scores
F-Score
4/9
Neutral
Sharpe
0.28
Positive
Composite
74
Strong
Price Risk
Momentum
+20.3%
Volatility
24.9%
Max Drawdown
-21.9%
Key Ratios
Fiscal year 2025
0.91P/B
P/E7.67
ROE12.3%
ROA1.3%
EPS1512.87
BVPS12746.07
Net Margin43.6%
Rev Growth17.6%
Profit Growth27.0%
Div Yield0.0%
Company Overview
Issued Shares
2663.1M
Charter Capital
26630.5B VND
Sector (ICB L2)
Ngân hàng
Industry (ICB L3)
Ngân hàng
Sub-industry
Ngân hàng
Company Type
NH
// OWNERSHIP_NETWORK
> mapping common ownership for OCB — hover nodes for intel, click to navigate
Computed 12/04/2026