ScoreWhy is National Citizen Commercial Joint Stock Bank ?
Unrated Stock - No Analysis Available
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to National Citizen 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
No Data Found
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
-11.20%
EBIT Growth (5y)
-280.83%
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
NA (Loss Making)
Industry P/E
Price to Book Value
2.71
EV to EBIT
-6.71
EV to EBITDA
-6.77
EV to Capital Employed
1.47
EV to Sales
11.86
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
-21.97%
ROE (Latest)
-78.24%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Mildly Bullish
Moving Averages
Bearish (Daily)
KST
Bearish
Bullish
Dow Theory
Mildly Bearish
No Trend
OBV
Mildly Bearish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend29What is working for the Company
OPERATING CASH FLOW(Y)
Highest at VND 5,729,271 MM
NET SALES(HY)
Higher at VND 4,661,346 MM
NET PROFIT(HY)
Higher at VND -462,153 MM
ROCE(HY)
Highest at 0%
CREDIT DEPOSIT RATIO(Q)
Highest at 0%
CASH AND EQV(HY)
Highest at VND 16,839,814 MM
PRE-TAX PROFIT(Q)
At VND -652,646 MM has Grown at 40.89%
-4What is not working for the Company
INTEREST(9M)
At VND 5,069,672 MM has Grown at 44.47%
ROCE(HY)
Lowest at 0%
Here's what is working for National Citizen Commercial Joint Stock Bank
Net Sales
At VND 4,661,346 MM has Grown at 3,004.62%
Year on Year (YoY)MOJO Watch
Sales trend is very positive
Net Sales (VND MM)
Net Profit
At VND -462,153 MM has Grown at 91%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is very positive
Net Profit (VND MM)
Operating Cash Flow
Highest at VND 5,729,271 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (VND MM)
Credit Deposit Ratio
Highest at 0% 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 (%)
Net Sales
Higher at VND 4,661,346 MM
than preceding 12 month period ended Dec 2025MOJO Watch
In the half year the company has already crossed sales of the previous twelve months
Net Sales (VND MM)
Net Profit
Higher at VND -462,153 MM
than preceding 12 month period ended Dec 2025MOJO Watch
In the half year the company has already crossed Net Profit of the previous twelve months
Net Profit (VND MM)
Pre-Tax Profit
At VND -652,646 MM has Grown at 40.89%
over average net sales of the previous four periods of VND -1,104,057.75 MMMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (VND MM)
Cash and Eqv
Highest at VND 16,839,814 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Here's what is not working for National Citizen Commercial Joint Stock Bank
Interest
At VND 5,069,672 MM has Grown at 44.47%
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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