ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Orient Commercial Joint Stock Bank ?
1
High Management Efficiency with a high ROA of 1.96%
2
Strong Long Term Fundamental Strength with an average Return on Assets (ROA) of 1.96%
3
With a growth in Interest of NAN%, the company declared Very Positive results in Sep 25
- CREDIT DEPOSIT RATIO(HY) Highest at 162.1%
- NET SALES(Q) Highest at VND 5,466,240.4 MM
- OPERATING PROFIT(Q) Highest at VND 1,616,723.49 MM
4
With ROA of 0.85%, it has a fair valuation with a 0.96 Price to Book Value
- The stock is trading at a fair value compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 7.04%, its profits have fallen by -20.9%
- At the current price, the company has a high dividend yield of 4.2
5
Underperformed the market in the last 1 year
- The stock has generated a return of 7.04% in the last 1 year, much lower than market (Vietnam VN Ho Chi Minh Index) returns of 43.59%
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to Orient Commercial Joint Stock Bank should be less than 10%
- Overall Portfolio exposure to Major Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Major Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Orient Commercial Joint Stock Bank for you?
Medium Risk, Low Return
Absolute
Risk Adjusted
Volatility
Orient Commercial Joint Stock Bank
-100.0%
-0.38
33.04%
Vietnam VN Ho Chi Minh Index
36.93%
1.90
22.90%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
14.53%
EBIT Growth (5y)
2.08%
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
54.83%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
11
Industry P/E
Price to Book Value
0.96
EV to EBIT
39.28
EV to EBITDA
37.91
EV to Capital Employed
0.99
EV to Sales
7.42
PEG Ratio
NA
Dividend Yield
4.19%
ROCE (Latest)
2.52%
ROE (Latest)
9.09%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Sideways
Moving Averages
Bearish (Daily)
KST
Bearish
Bullish
Dow Theory
Mildly Bullish
No Trend
OBV
Mildly Bullish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend13What is working for the Company
CREDIT DEPOSIT RATIO(HY)
Highest at 162.1%
NET SALES(Q)
Highest at VND 5,466,240.4 MM
OPERATING PROFIT(Q)
Highest at VND 1,616,723.49 MM
PRE-TAX PROFIT(Q)
Highest at VND 1,538,140.55 MM
NET PROFIT(Q)
Highest at VND 1,227,940.58 MM
EPS(Q)
Highest at VND 461.1
0What is not working for the Company
NO KEY NEGATIVE TRIGGERS
Here's what is working for Orient Commercial Joint Stock Bank
Net Sales
Highest at VND 5,466,240.4 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (VND MM)
Operating Profit
Highest at VND 1,616,723.49 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (VND MM)
Pre-Tax Profit
Highest at VND 1,538,140.55 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 1,538,140.55 MM has Grown at 62.52%
over average net sales of the previous four periods of VND 946,435.34 MMMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (VND MM)
Net Profit
Highest at VND 1,227,940.58 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (VND MM)
Net Profit
At VND 1,227,940.58 MM has Grown at 63.24%
over average net sales of the previous four periods of VND 752,226.19 MMMOJO Watch
Near term Net Profit trend is positive
Net Profit (VND MM)
EPS
Highest at VND 461.1
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (VND)
Credit Deposit Ratio
Highest at 162.1%
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 (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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