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TCB
BanksNgân hàng Thương mại Cổ phần Kỹ thương Việt Nam
Ngân hàngNH
30.650
VND · Last close
Valuation Verdict
Overvalued
-120%Fair Value+120%
Intrinsic Value
27.961
Current
30.650
Gap
-8.8%
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→15.57%
Regression type→huber_multifactor
R²→0.6592
2
Valuation
Fair P/B
1.17x
x
BVPS
23.996
=
Intrinsic Value
27.961
Valuation Track Record
Retroactive intrinsic value vs actual close price — TCB
Earnings Quality
Fiscal year 2025
85
Good
Accrual Quality
97Cash Conversion
100Margin Stability
100Revenue Quality
41Quantitative Scores
F-Score
3/9
Weak
Sharpe
0.21
Positive
Composite
72
Strong
Price Risk
Momentum
+32.9%
Volatility
31.6%
Max Drawdown
-30.0%
Key Ratios
Fiscal year 2025
1.28P/B
P/E8.59
ROE15.9%
ROA2.4%
EPS3568.92
BVPS23996.43
Net Margin66.3%
Rev Growth13.2%
Profit Growth17.5%
Div Yield0.0%
Company Overview
Issued Shares
7086.2M
Charter Capital
70862.4B VND
Sector (ICB L2)
Ngân hàng
Industry (ICB L3)
Ngân hàng
Sub-industry
Ngân hàng
Company Type
NH
// OWNERSHIP_NETWORK
> mapping common ownership for TCB — hover nodes for intel, click to navigate
Computed 12/04/2026