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
With a growth in Interest of 57.67%, the company declared Very 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 14.86%, 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, Low Return
Absolute
Risk Adjusted
Volatility
Military Commercial Joint Stock Bank
34.15%
1.00
37.49%
Vietnam VN Ho Chi Minh Index
38.87%
1.90
22.90%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
22.10%
EBIT Growth (5y)
22.16%
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
0.01%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
8
Industry P/E
Price to Book Value
1.58
EV to EBIT
21.75
EV to EBITDA
20.92
EV to Capital Employed
1.14
EV to Sales
7.04
PEG Ratio
NA
Dividend Yield
0.81%
ROCE (Latest)
5.26%
ROE (Latest)
19.67%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Mildly Bullish
Moving Averages
Bearish (Daily)
KST
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 Trend16What is working for the Company
NII(Q)
Highest at VND 14,913,147 MM
NET SALES(Q)
Highest at VND 28,982,101 MM
CASH AND EQV(HY)
Highest at VND 94,357,538 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 142.19%
-3What is not working for the Company
INTEREST(9M)
At VND 34,921,816 MM has Grown at 57.39%
Here's what is working for Military Commercial Joint Stock Bank
NII
Highest at VND 14,913,147 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 28,982,101 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 28,982,101 MM has Grown at 29.87%
over average net sales of the previous four periods of VND 22,315,615 MMMOJO Watch
Near term sales trend is very positive
Net Sales (VND MM)
Cash and Eqv
Highest at VND 94,357,538 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Credit Deposit Ratio
Highest at 142.19%
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 34,921,816 MM has Grown at 57.39%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (VND MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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