ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Military Commercial Joint Stock Bank ?
1
Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0%
2
Positive results in Jun 25
- NET SALES(Q) Highest at VND 21,126,300 MM
- NII(Q) Highest at VND 12,399,291 MM
- CREDIT DEPOSIT RATIO(HY) Highest at 124.94%
3
With ROA of 1.31%, it has a attractive valuation with a 1.35 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 49.93%, its profits have risen by 9% ; the PEG ratio of the company is 1
4
Consistent Returns over the last 3 years
- Along with generating 49.93% returns in the last 1 year, the stock has outperformed Vietnam VN Ho Chi Minh Index in each of the last 3 annual periods
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Military 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 Military Commercial Joint Stock Bank for you?
Medium Risk, Low Return
Absolute
Risk Adjusted
Volatility
Military Commercial Joint Stock Bank
49.93%
0.58
37.99%
Vietnam VN Ho Chi Minh Index
29.95%
1.61
21.07%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
17.20%
EBIT Growth (5y)
26.61%
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
9.26%
Pledged Shares
0
Institutional Holding
0.01%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
7
Industry P/E
Price to Book Value
1.35
EV to EBIT
18.97
EV to EBITDA
17.80
EV to Capital Employed
1.10
EV to Sales
6.80
PEG Ratio
0.97
Dividend Yield
1.69%
ROCE (Latest)
5.80%
ROE (Latest)
18.45%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
No Trend
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
NET SALES(Q)
Highest at VND 21,126,300 MM
NII(Q)
Highest at VND 12,399,291 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 124.94%
-3What is not working for the Company
OPERATING PROFIT MARGIN(Q)
Lowest at 27.32 %
PRE-TAX PROFIT(Q)
Lowest at VND 6,488,103 MM
NET PROFIT(Q)
Lowest at VND 5,065,381.71 MM
Here's what is working for Military Commercial Joint Stock Bank
Net Sales
Highest at VND 21,126,300 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (VND MM)
NII
Highest at VND 12,399,291 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (VND MM)
Net Sales
At VND 21,126,300 MM has Grown at 16.65%
over average net sales of the previous four periods of VND 18,110,773.25 MMMOJO Watch
Near term sales trend is positive
Net Sales (VND MM)
Credit Deposit Ratio
Highest at 124.94%
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 (%)
Depreciation
At VND 290,266 MM has Grown at 25.09%
period on period (QoQ)MOJO Watch
The expenditure on assets done by the company has gone into productive use which should positively reflect in the future sales
Depreciation (VND MM)
Here's what is not working for Military Commercial Joint Stock Bank
Operating Profit Margin
Lowest at 27.32 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
Pre-Tax Profit
Lowest at VND 6,488,103 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is negative
Pre-Tax Profit (VND MM)
Net Profit
Lowest at VND 5,065,381.71 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is negative
Net Profit (VND MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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