ScoreWhy is National Citizen Commercial Joint Stock Bank ?
Unrated Stock - No Analysis Available
Real-Time Research ReportHow much should you sell?
- All quantity irrespective of whether you are making profits or losses
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to re-enter? - We will constantly monitor the company and review our call based on new data
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
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Bearish
Bullish
Dow Theory
No Trend
Mildly Bearish
OBV
Mildly Bearish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend25What is working for the Company
OPERATING CASH FLOW(Y)
Highest at VND 4,757,421 MM
NET SALES(HY)
Higher at VND 4,116,013 MM
CREDIT DEPOSIT RATIO(Q)
Highest at 0%
CASH AND EQV(HY)
Highest at VND 6,470,643 MM
OPERATING PROFIT(Q)
Highest at VND 292,870 MM
PRE-TAX PROFIT(Q)
Highest at VND 311,499 MM
NET PROFIT(Q)
Highest at VND 311,464 MM
EPS(Q)
Highest at VND 265.16
-8What is not working for the Company
NET SALES(9M)
At VND 2,830,788 MM has Grown at -32.81%
NET PROFIT(9M)
At VND -4,607,320 MM has Grown at -971.04%
Here's what is working for National Citizen Commercial Joint Stock Bank
Net Sales
At VND 4,116,013 MM has Grown at 48.14%
Year on Year (YoY)MOJO Watch
Near term sales trend is very positive
Net Sales (VND MM)
Operating Cash Flow
Highest at VND 4,757,421 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)
Pre-Tax Profit
At VND 311,499 MM has Grown at 125.25%
over average net sales of the previous four periods of VND -1,233,699.5 MMMOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (VND MM)
Net Profit
At VND 311,464 MM has Grown at 125.24%
over average net sales of the previous four periods of VND -1,234,068 MMMOJO Watch
Near term Net Profit trend is very positive
Net Profit (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 4,116,013 MM
than preceding 12 month period ended Jun 2025MOJO Watch
In the half year the company has already crossed sales of the previous twelve months
Net Sales (VND MM)
Operating Profit
Highest at VND 292,870 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (VND MM)
Pre-Tax Profit
Highest at VND 311,499 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (VND MM)
Net Profit
Highest at VND 311,464 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (VND MM)
EPS
Highest at VND 265.16
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (VND)
Cash and Eqv
Highest at VND 6,470,643 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Depreciation
Highest at VND 14,217 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (VND MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
GET THE MARKETSMOJO APP
Company
Stocks
Portfolio
"Investment in securities markets are subject to market risk. Read all the related documents carefully before investing."
