ScoreWhy is Vietnam Maritime Commercial Joint Stock Bank ?
1
High Management Efficiency with a high ROA of 1.55%
2
Strong Long Term Fundamental Strength with an average Return on Assets (ROA) of 1.55%
3
Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 29.11%
4
Flat results in Sep 25
- GROSS NPA (%)(Q) Highest at 2.12%
- CREDIT DEPOSIT RATIO(HY) Lowest at 146.9%
5
With ROA of 1.22%, it has a attractive valuation with a 0.86 Price to Book Value
- The stock is trading at a premium compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 26.23%, its profits have risen by 7.7%
6
Underperformed the market in the last 1 year
- The stock has generated a return of 26.23% 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 hold?
- Overall Portfolio exposure to Vietnam Maritime 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 Vietnam Maritime Commercial Joint Stock Bank for you?
Medium Risk, Low Return
Absolute
Risk Adjusted
Volatility
Vietnam Maritime Commercial Joint Stock Bank
26.23%
0.16
38.05%
Vietnam VN Ho Chi Minh Index
43.59%
1.93
22.62%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
15.85%
EBIT Growth (5y)
21.08%
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
0
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
7
Industry P/E
Price to Book Value
0.86
EV to EBIT
23.93
EV to EBITDA
23.52
EV to Capital Employed
0.97
EV to Sales
7.52
PEG Ratio
NA
Dividend Yield
0.59%
ROCE (Latest)
4.03%
ROE (Latest)
12.99%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Bearish
Bullish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
Mildly Bearish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend2What is working for the Company
CASH AND EQV(HY)
Highest at VND 13,733,775 MM
NET SALES(Q)
Highest at VND 5,459,904 MM
-4What is not working for the Company
GROSS NPA (%)
(Q
CREDIT DEPOSIT RATIO(HY)
Lowest at 146.9%
Here's what is working for Vietnam Maritime Commercial Joint Stock Bank
Net Sales
Highest at VND 5,459,904 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (VND MM)
Cash and Eqv
Highest at VND 13,733,775 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Depreciation
Highest at VND 31,667 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (VND MM)
Here's what is not working for Vietnam Maritime Commercial Joint Stock Bank
Non Performing Loans (%)
Highest at 2.12% and Grown
In each half year in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are increasing
Non Performing Loans (%)
Credit Deposit Ratio
Lowest at 146.9%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
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