ScoreWhy is Bac A Commercial Joint Stock Bank ?
1
Positive results in Mar 26
- OPERATING CASH FLOW(Y) Highest at VND 856,400 MM
- NET SALES(Q) Highest at VND 3,822,888 MM
- CREDIT DEPOSIT RATIO(Q) Highest at 1.6%
2
With ROA of 0.48%, it has a fair valuation with a 0.98 Price to Book Value
- The stock is trading at a premium compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 5.00%, its profits have risen by 18% ; the PEG ratio of the company is 0.7
3
Underperformed the market in the last 1 year
- The stock has generated a return of 5.00% in the last 1 year, much lower than market (Vietnam VN Ho Chi Minh Index) returns of 38.87%
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Bac A Commercial Joint Stock Bank should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Bac A Commercial Joint Stock Bank for you?
Medium Risk, Low Return
Absolute
Risk Adjusted
Volatility
Bac A Commercial Joint Stock Bank
5.0%
-0.05
32.35%
Vietnam VN Ho Chi Minh Index
38.87%
1.81
21.48%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
5.70%
EBIT Growth (5y)
5.88%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
0
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
12
Industry P/E
Price to Book Value
0.98
EV to EBIT
46.21
EV to EBITDA
44.34
EV to Capital Employed
1.00
EV to Sales
4.73
PEG Ratio
0.68
Dividend Yield
0.71%
ROCE (Latest)
2.16%
ROE (Latest)
7.92%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Mildly Bearish
Moving Averages
Mildly Bearish (Daily)
KST
Bearish
Bullish
Dow Theory
Mildly Bullish
Mildly Bearish
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend8What is working for the Company
OPERATING CASH FLOW(Y)
Highest at VND 856,400 MM
NET SALES(Q)
Highest at VND 3,822,888 MM
CREDIT DEPOSIT RATIO(Q)
Highest at 1.6%
NII(Q)
Highest at VND 1,020,041 MM
0What is not working for the Company
NO KEY NEGATIVE TRIGGERS
Here's what is working for Bac A Commercial Joint Stock Bank
Net Sales
Highest at VND 3,822,888 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (VND MM)
Credit Deposit Ratio
Highest at 1.6% and Grown
In each half year in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
NII
Highest at VND 1,020,041 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (VND MM)
Operating Cash Flow
Highest at VND 856,400 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (VND MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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