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 Dec 25
- NII(Q) Highest at VND 14,689,952 MM
- NET SALES(Q) Highest at VND 26,267,441 MM
- CASH AND EQV(HY) Highest at VND 95,389,189 MM
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 23.36%, its profits have risen by 9% ; the PEG ratio of the company is 1
4
Majority shareholders : FIIs
Real-Time Research ReportHow much should you buy?
- 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, Medium Return
Absolute
Risk Adjusted
Volatility
Military Commercial Joint Stock Bank
23.36%
1.16
37.35%
Vietnam VN Ho Chi Minh Index
43.59%
1.93
22.62%
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
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Mildly Bearish
Dow Theory
No Trend
Mildly Bullish
OBV
No Trend
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend21What is working for the Company
NII(Q)
Highest at VND 14,689,952 MM
NET SALES(Q)
Highest at VND 26,267,441 MM
CASH AND EQV(HY)
Highest at VND 95,389,189 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 137.77%
OPERATING PROFIT(Q)
Highest at VND 10,300,613 MM
OPERATING PROFIT MARGIN(Q)
Highest at 39.21 %
PRE-TAX PROFIT(Q)
Highest at VND 11,129,122 MM
NET PROFIT(Q)
Highest at VND 8,762,570 MM
-3What is not working for the Company
INTEREST(9M)
At VND 29,579,871 MM has Grown at 42.82%
EPS(Q)
Lowest at VND 0
Here's what is working for Military Commercial Joint Stock Bank
NII
Highest at VND 14,689,952 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Net Sales
Highest at VND 26,267,441 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (VND MM)
Net Sales
At VND 26,267,441 MM has Grown at 28.97%
over average net sales of the previous four periods of VND 20,367,364 MMMOJO Watch
Near term sales trend is very positive
Net Sales (VND MM)
Operating Profit
Highest at VND 10,300,613 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (VND MM)
Operating Profit Margin
Highest at 39.21 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at VND 11,129,122 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (VND MM)
Pre-Tax Profit
At VND 11,129,122 MM has Grown at 61.13%
over average net sales of the previous four periods of VND 6,906,733.5 MMMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (VND MM)
Net Profit
Highest at VND 8,762,570 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (VND MM)
Net Profit
At VND 8,762,570 MM has Grown at 63.57%
over average net sales of the previous four periods of VND 5,356,962.86 MMMOJO Watch
Near term Net Profit trend is positive
Net Profit (VND MM)
Cash and Eqv
Highest at VND 95,389,189 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Credit Deposit Ratio
Highest at 137.77%
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 (%)
Here's what is not working for Military Commercial Joint Stock Bank
Interest
At VND 29,579,871 MM has Grown at 42.82%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (VND MM)
EPS
Lowest at VND 0
in the last five periodsMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (VND)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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