National Citizen Commercial Joint Stock Bank (NVB) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

National Citizen Commercial Joint Stock Bank

Military Commercial Joint Stock Bank

Vietnam Maritime Commercial Joint Stock Bank

Vietnam Joint Stock Commercial Bank for Industry & Trade

Bac A Commercial Joint Stock Bank

Why is National Citizen Commercial Joint Stock Bank ?

With a growth in Interest of NAN%, the company declared Outstanding results in Mar 26

The company has declared positive results for the last 4 consecutive quarters
PRE-TAX PROFIT(Q) At VND 225,221 MM has Grown at 57,317.72%
NET PROFIT(Q) At VND 224,892.06 MM has Grown at 1,153,192.61%
ROCE(HY) Highest at 0.04%

With ROA of 0.00%, it has a expensive valuation with a 1.60 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 NA, its profits have risen by 100% ; the PEG ratio of the company is 2788.2

Real-Time Research Report

Verdict Report

How much should you buy?

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

Is National Citizen Commercial Joint Stock Bank for you?

Medium Risk, Low Return

Absolute

Risk Adjusted

Volatility

National Citizen Commercial Joint Stock Bank

0.0%

0.35

39.53%

Vietnam VN Ho Chi Minh Index

38.87%

1.81

21.48%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

8.10%

EBIT Growth (5y)

-159.45%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

Pledged Shares

Institutional Holding

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

278825

Industry P/E

Price to Book Value

1.60

EV to EBIT

-464.82

EV to EBITDA

16764.45

EV to Capital Employed

1.45

EV to Sales

3.00

PEG Ratio

2788.23

Dividend Yield

ROCE (Latest)

-0.31%

ROE (Latest)

0.00%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bullish

Bearish

RSI

No Signal

Bollinger Bands

Mildly Bearish

Moving Averages

Mildly Bearish (Daily)

KST

Mildly Bullish

Mildly Bearish

Dow Theory

Mildly Bullish

Mildly Bearish

OBV

Mildly Bearish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

34What is working for the Company

PRE-TAX PROFIT(Q)

At VND 225,221 MM has Grown at 57,317.72%

NET PROFIT(Q)

At VND 224,892.06 MM has Grown at 1,153,192.61%

ROCE(HY)

Highest at 0.04%

CREDIT DEPOSIT RATIO(Q)

Highest at 0%

NII(Q)

Highest at VND 792,048 MM

CASH AND EQV(HY)

Highest at VND 17,451,745 MM

NET SALES(Q)

Highest at VND 2,941,535 MM

-5What is not working for the Company

INTEREST(9M)

At VND 5,701,974 MM has Grown at 51.52%

ROCE(HY)

Lowest at 0.04%

Here's what is working for National Citizen Commercial Joint Stock Bank

Pre-Tax Profit

At VND 225,221 MM has Grown at 57,317.72%

over average net sales of the previous four periods of VND 392.25 MM

MOJO Watch

Near term Pre-Tax Profit trend is very positive

Pre-Tax Profit (VND MM)

Net Profit

At VND 224,892.06 MM has Grown at 1,153,192.61%

over average net sales of the previous four periods of VND 19.5 MM

MOJO Watch

Near term Net Profit trend is very positive

Net Profit (VND MM)

Net Sales

At VND 2,941,535 MM has Grown at 34.05%

over average net sales of the previous four periods of VND 2,194,339.75 MM

MOJO Watch

Near term sales trend is very positive

Net Sales (VND MM)

Credit Deposit Ratio

Highest at 0% and Grown

In each half year in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets

Credit Deposit Ratio (%)

NII

Highest at VND 792,048 MM

in the last five periods

MOJO Watch

The bank's income from core business is increasing

NII (VND MM)

Net Sales

Highest at VND 2,941,535 MM

in the last five periods

MOJO Watch

Near term sales trend is positive

Net Sales (VND MM)

Cash and Eqv

Highest at VND 17,451,745 MM

in the last six Semi-Annual periods

MOJO Watch

Short Term liquidity is improving

Cash and Cash Equivalents

Depreciation

Highest at VND 15,761 MM

in the last five periods

MOJO Watch

The expenditure on assets done by the company may have gone into operation

Depreciation (VND MM)

Here's what is not working for National Citizen Commercial Joint Stock Bank

Interest

At VND 5,701,974 MM has Grown at 51.52%

over previous Semi-Annual period

MOJO Watch

Rising interest cost signifies increased borrowings

Interest Paid (VND MM)