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 Mar 25
- OPERATING CASH FLOW(Y) Lowest at VND -12,130,223 MM
- GROSS NPA (%)(Q) Highest at 2.06%
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 28.83%, its profits have risen by 7.7%
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
28.83%
0.22
37.58%
Vietnam VN Ho Chi Minh Index
29.95%
1.61
21.07%
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
Bearish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bullish
No Trend
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend3What is working for the Company
NET PROFIT(HY)
At VND 2,881,843.62 MM has Grown at 71.1%
CASH AND EQV(HY)
Highest at VND 11,844,603 MM
-5What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at VND -12,130,223 MM
GROSS NPA (%)
(Q
Here's what is working for Vietnam Maritime Commercial Joint Stock Bank
Net Profit
At VND 2,881,843.62 MM has Grown at 71.1%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is positive
Net Profit (VND MM)
Cash and Eqv
Highest at VND 11,844,603 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Depreciation
Highest at VND 31,029 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
Operating Cash Flow
Lowest at VND -12,130,223 MM and Fallen
In each year in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (VND MM)
Non Performing Loans (%)
Highest at 2.06%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are increasing
Non Performing Loans (%)
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