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Vietnam Technological And Commercial Joint Stock Bank (TCB) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of Vietnam Technological And Commercial Joint Stock Bank stock VND 16,266, price VND 21,650, that is 24.9% below the price, quality 63 out of 100. Rating: overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.

6 models, one by oneBear 14,146 VND to bull 21,696 VND Growth analysisrevenue history, year by year Quality 63/100 in detail37 factors, each one shown Compared with its peersrank on every measure, side by side

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Financial Services VN · ISIN VN000000TCB8

Thin data Nov 8, 2026

Vietnam Technological And Commercial Joint Stock Bank

TCB · VN

Solid, but expensive

Our calculation puts a fair price 25% below what the stock costs today.

Quality 63/100

Healthy Growth (revenue 5y +15.0 %/yr in VND)

Highly profitable · 50.5% net margin (TTM)

Ranks above peers (9/12)

Upbeat coverage

Costs just 5.5 times its yearly profit.

Wide moat 71/100 · thin data

Fair value 16,266 VND · Overvalued (−24.9%)

Thin data

Risks from the AI analysis

🚩Fintech and digital rivals erode margins🚩Regulatory caps and compliance raise costs

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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

White line = price, green steps = our fair value per fiscal year. As of Nov 8, 2026.

How to read this chart

60‑month range 6,385 VND – 26,966 VND · fair‑value band 14,146 VND – 21,696 VND · the 21,650 VND price screens above the 16,266 VND fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 8, 2026.

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Company profile

Vietnam Technological and Commercial Joint Stock Bank provides personal and corporate banking products and services in Vietnam and internationally.

Show moreShow less

The company offers personal banking products and services, such as current accounts, foreign currency accounts, escrow account, and overdraft accounts; flexible and term deposits; certificates of deposit; car, home, and consumer loans; credit and debit cards; overseas money transfer and CDM services; and home, car, and health insurance, as well as group health insurance for business.

It also provides corporate banking products and services comprising capital, trading custodial, and real estate custodial accounts; payment, collection, liquidity, deposit, and account management services; letter of credit; solution packages; working capital loans, medium and long-term loans, and supply chain financing; import, export, and domestic trade finance services; and digital banking services.

In addition, the company offers foreign exchange services, including spot and forward trade, and foreign exchange swaps; corporate management services; bank guarantee; corporate bonds services; and interest rate derivatives, foreign exchange derivatives, and structured products, as well as ATM services.

Further, it provides online and mobile banking services. The company operates through representative offices and transaction offices for individual, small enterprises, and large corporate customers, as well as investors.

Vietnam Technological and Commercial Joint Stock Bank was incorporated in 1993 and is headquartered in Hanoi, Vietnam.

Stock analysis

Vietnam Technological And Commercial Joint Stock Bank (TCB) currently trades at 21,650 VND, while our model-based Fair Value estimate is 16,266 VND, 25% below the price, so the stock looks overvalued today.

Valuation

Bull case: the Multiples group reads highest at a median of 39,425 VND per share, and 3 of the 6 models we run sit above the 21,650 VND price.

Bear case: the Dividend Discount group reads lowest at 10,754 VND, and 3 of the 6 models stay below the price. Data coverage for this calculation is low.

Scenario range: 14,146 VND (bear) to 21,696 VND (bull), the price of 21,650 VND sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 63/100 (solid quality), in the Financial Services sector.

Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.

Vietnam Technological And Commercial Joint Stock Bank reported revenue of 52.3T VND in FY2025 versus 36.4T VND in FY2021, a compound +9.5%/yr. Reported net income was 25.3T VND in FY2025, compounding +8.8%/yr from FY2021.

Key figures

Market cap 239T VND (≈ $9.3B) Mid · P/E ratio 5.5 · P/S ratio 2.71 · EPS (TTM) 3,965 VND · Dividend yield 3.0% · Net margin 50.5% · Return on equity 15.9% · Return on assets 2.5%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 71 out of 100 (low confidence).

What moves the price

The share trades about 13% below its 52-week high and 16% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −25%, TCB screens cheaper than that median.

Fair Value models

Bear 14,146 VND Fair Value 16,266 VND Bull 21,696 VND

Price 21,650 VND · Downside -24.9%

Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then (3,389 VND per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.

Best data coverage

Residual Income 21,219 VND 24,399 VND 32,545 VND 76

Gordon GGM 6,705 VND 10,979 VND 14,015 VND 68

DDM Multi-Stage 6,705 VND 10,529 VND 11,834 VND 67

All 6 models by family

Dividend Discount

Gordon GGM 6,705 VND 10,979 VND 14,015 VND 68

DDM Multi-Stage 6,705 VND 10,529 VND 11,834 VND 67

Multiples

P/E Multiple 34,797 VND 46,396 VND 57,995 VND 63

P/B Multiple 24,340 VND 32,453 VND 40,567 VND 55

Asset-Based

NCAV (Graham) 11,590 VND 15,531 VND 23,181 VND 51

Economic Profit

Residual Income 21,219 VND 24,399 VND 32,545 VND 76

The fair value above starts from this blend and is adjusted for a stock split.

Open the full fair value analysis →

Quality Score breakdown

Overall quality 63/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 47

How much profit the company makes from its sales and capital

Quality Growth 49

Are margins and returns getting better?

Cashflow 93

Do the profits arrive as real cash?

Financial strength 55

Debt, balance sheet and risk of trouble

Investment 43

Does it invest with discipline instead of growing at any price?

Low Volatility 68

How calm the share price moves, does not count

Price momentum 41

Price momentum of the last 3 to 12 months, does not count

Near the 52-week high 38

Distance to the 52-week high, does not count

New shares 79

Buys back shares or issues new ones?

Open the full quality analysis →

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 100/100

Revenue growth appears healthy and is supported by profitability and cash-flow quality.

Revenue growth 1 year

+9.8%

Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.

+9.0%

Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.

+15.0%

Start year 2020 (pandemic)

Revenue growth 6 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.

+17.3%

’19

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’21

’22

’23

’24

’25

What shareholders gained per year (last 5 years), in VND ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Measured in VND: this currency has depreciated against the euro and dollar over the long run, so part of the nominal rate is currency erosion that never reaches a EUR/USD investor.

+3.3%

Earnings growth per share plus dividend.

Earnings per share, growth per year+0.3%

Dividend (yield on the price)3.0%

TCB screens overvalued: fair value 25% below the price. Compare with China Merchants Bank Co →

Earlier news

News mood ⓘNews mood, the average tone of recent news (4 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation. Hype

Recent news coverage is unusually upbeat, far more positive than stocks are typically covered.

Is BNP Paribas (ENXTPA:BNP) Set To Enter Vietnam’s Banking Market? Yahoo Finance · Sep 4, 2026
Vietnam has to find $200 billion to fund its ambitious growth agenda. Techcombank’s CEO thinks that has to come from overseas Yahoo Finance · Jun 16, 2026
Vietnam firms vie for crypto licences as Hanoi plans ban on overseas trading Yahoo Finance · Mar 17, 2026

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 998 stocks

Beats the industry median on 9/12 measures

Overall it ranks above its industry peers.

Valuation

Quality Score 63 · Top 25%

Fair Value upside −24.9% · Below median

Profitability

Return on equity (12 months) 15.9% · Top 25%

Return on assets 2.1% · Top 25%

Net margin (12 months) 50.5% · Top 25%

Operating margin (12 months) 66.2% · Top 25%

Growth and dividend

Revenue growth (quarter YoY) 23.0% · Top 25%

Dividend yield (12 months) 3.0% · Above median

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 5.5× · Cheapest 25%

P/B 1.40× · Pricier than median

P/S (12 months) 4.21× · Pricier than median

Price / free cash flow (fiscal year) 6.1× · Cheapest 25%

Strength profile in five axes (Snowflake)

This stock

Sector peers

VALUE (fair-value potential)0 · sector 8

FUTURE (revenue growth)100 · sector 47

PAST (return on equity)64 · sector 43

HEALTH (low debt)–

DIVIDEND (yield)59 · sector 53

VALUE 0: the price sits above our fair-value range.

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock	Price	Fair Value	vs Fair Value	Compare
Postal Savings Bank of China Co 601658	¥5.53	¥7.59	+37%	vs TCB
China Merchants Bank Co 600036	¥42.88	¥52.73	+23%	vs TCB
BNP Paribas SA BNP	€91.93	€106.01	+15%	vs TCB
Intesa Sanpaolo S.p.A ISP	€6.18	€4.49	−27%	vs TCB
State Bank of India SBIN	₹1,019	₹736.65	−28%	vs TCB
UniCredit S.p.A UCG	€76.80	€50.44	−34%	vs TCB
Mizuho Financial Group MFG	$9.40	$5.90	−37%	vs TCB
DBS Group D05	69.72 SGD	40.39 SGD	−42%	vs TCB
HDFC Bank Limited HDFCBANK	₹788.25	₹406.39	−48%	vs TCB
ICICI Bank Limited ICICIBANK	₹1,571	₹615.63	−61%	vs TCB

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Frequently asked questions

Is Vietnam Technological And Commercial Joint Stock Bank (TCB) overvalued or undervalued?

As of Nov 8, 2026, our model estimates a fair value of 16,266 VND versus a price of 21,650 VND, about 25% lower (overvalued).

What is the fair value of TCB?

Our model-based fair value for Vietnam Technological And Commercial Joint Stock Bank is 16,266 VND (as of Nov 8, 2026), built from audited fundamentals. The current price: 21,650 VND.

What is the quality score of TCB?

Vietnam Technological And Commercial Joint Stock Bank has a Quality Score of 63/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.

What is the price target for Vietnam Technological And Commercial Joint Stock Bank (TCB)?

Our model-based price target is the fair value of 16,266 VND (as of Nov 8, 2026) from 6 valuation models. Cautious scenario 14,146 VND, optimistic scenario 21,696 VND. It is a calculation from audited fundamentals, not an analyst target.

What is the Vietnam Technological And Commercial Joint Stock Bank stock forecast for 2026?

Our models put fair value at 16,266 VND, about 25% lower versus a price of 21,650 VND (overvalued). Cautious scenario 14,146 VND, optimistic scenario 21,696 VND. The calculation is refreshed regularly with new filings.

What is the revenue of Vietnam Technological And Commercial Joint Stock Bank (TCB)?

Vietnam Technological And Commercial Joint Stock Bank reported trailing-twelve-month revenue of about 56.7T VND (latest available figure, as of Nov 8, 2026).

Does Vietnam Technological And Commercial Joint Stock Bank pay a dividend?

Vietnam Technological And Commercial Joint Stock Bank currently shows a dividend yield of 2.97% relative to its recent price (as of Nov 8, 2026).

How much is the dividend of Vietnam Technological And Commercial Joint Stock Bank (TCB)?

Vietnam Technological And Commercial Joint Stock Bank has a dividend yield of 3.0%.

What is the intrinsic value of Vietnam Technological And Commercial Joint Stock Bank (TCB)?

Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Vietnam Technological And Commercial Joint Stock Bank it is 16,266 VND per share (as of Nov 8, 2026), against a price of 21,650 VND. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).

Is Vietnam Technological And Commercial Joint Stock Bank stock overvalued or undervalued in 2026?

As of Nov 8, 2026, TCB trades above its calculated fair value: price 21,650 VND, fair value 16,266 VND, a gap of about −25% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.

Is fair value the same as the market price of TCB?

No. The price is what the market pays today (21,650 VND); the fair value is what the company's own numbers justify (16,266 VND). For Vietnam Technological And Commercial Joint Stock Bank the two are 5,384 VND per share apart. That gap is exactly why we show both numbers side by side.

How much is Vietnam Technological And Commercial Joint Stock Bank worth?

The market values Vietnam Technological And Commercial Joint Stock Bank at about 239T VND (market capitalisation, as of Nov 8, 2026). Per share that is 21,650 VND; our models calculate a fair value of 16,266 VND per share.

What do the bullish and bearish scenarios say about TCB?

Our models span a range for Vietnam Technological And Commercial Joint Stock Bank: cautious scenario 14,146 VND, base 16,266 VND, optimistic 21,696 VND per share (as of Nov 8, 2026, price 21,650 VND). The range comes from different growth and margin assumptions, not from analyst opinions.

What is the P/E ratio of TCB?

Vietnam Technological And Commercial Joint Stock Bank trades at a price-to-earnings ratio of 5.5 (as of Nov 8, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 16,266 VND is built from several models across several years. Other multiples: P/B 1.4, P/S 4.2.

How solid is the balance sheet of Vietnam Technological And Commercial Joint Stock Bank (TCB)?

Balance-sheet figures for Vietnam Technological And Commercial Joint Stock Bank (as of Nov 8, 2026): return on equity 15.9%. They feed the Quality Score of 63/100, which measures business quality independently of the share price.

How far is TCB from its 52-week high?

Vietnam Technological And Commercial Joint Stock Bank trades at 21,650 VND, about 13% below its 52-week high of 24,812 VND and 16% above the low of 18,739 VND (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of 16,266 VND is for.

Which stocks are comparable to Vietnam Technological And Commercial Joint Stock Bank?

From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.

Is Vietnam Technological And Commercial Joint Stock Bank stock attractive at the current price?

The data as of Nov 8, 2026: price 21,650 VND, calculated fair value 16,266 VND (−25%), Quality Score 63/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.

How is the fair value of TCB calculated?

We run Vietnam Technological And Commercial Joint Stock Bank through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of 16,266 VND builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.

Is it still worth investing in stocks now?

The global stock market currently sits 13.0% above its aggregate fair value. Vietnam Technological And Commercial Joint Stock Bank itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.

What is the share price of Vietnam Technological And Commercial Joint Stock Bank (TCB)?

The closing price on Nov 6, 2026 was 21,650 VND. Our model-based fair value is 16,266 VND, about 25% lower (overvalued). We carry closing prices from our data provider, not a live tick.

What should I pay attention to with Vietnam Technological And Commercial Joint Stock Bank right now?

Solid but not exceptional quality (63/100) and above fair value, neither a clear bargain nor a standout compounder. Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Key figures of Vietnam Technological And Commercial Joint Stock Bank

How large is the market capitalisation of Vietnam Technological And Commercial Joint Stock Bank (TCB)?

The market capitalisation of Vietnam Technological And Commercial Joint Stock Bank is 239T VND (≈ $9.3B). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.

What is the P/S ratio of Vietnam Technological And Commercial Joint Stock Bank (TCB)?

The price-to-sales ratio of Vietnam Technological And Commercial Joint Stock Bank is 2.71 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.

What are the earnings per share of Vietnam Technological And Commercial Joint Stock Bank (TCB)?

Earnings per share at Vietnam Technological And Commercial Joint Stock Bank are 3,965 VND (price ÷ EPS = P/E 5.5). Earnings per share over the last twelve months: total profit spread across every single share.

What is the dividend yield of Vietnam Technological And Commercial Joint Stock Bank (TCB)?

The dividend yield of Vietnam Technological And Commercial Joint Stock Bank is 3.0% (payout 16.2%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.

What is the net margin of Vietnam Technological And Commercial Joint Stock Bank (TCB)?

The net margin of Vietnam Technological And Commercial Joint Stock Bank is 50.5% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.

What is the return on equity of Vietnam Technological And Commercial Joint Stock Bank (TCB)?

The return on equity (ROE) of Vietnam Technological And Commercial Joint Stock Bank is 15.9% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.

What is the return on assets of Vietnam Technological And Commercial Joint Stock Bank (TCB)?

The return on assets (ROA) of Vietnam Technological And Commercial Joint Stock Bank is 2.5% (last twelve months). Profit relative to everything the company owns. Harder to inflate than return on equity because debt does not boost it.

What is the operating margin of Vietnam Technological And Commercial Joint Stock Bank (TCB)?

The operating margin of Vietnam Technological And Commercial Joint Stock Bank is 66.2% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.

How fast is revenue growing at Vietnam Technological And Commercial Joint Stock Bank (TCB)?

Revenue at Vietnam Technological And Commercial Joint Stock Bank is growing +23.0% versus a year earlier (3y avg +9.0%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.

How fast are earnings growing at Vietnam Technological And Commercial Joint Stock Bank (TCB)?

Earnings per share at Vietnam Technological And Commercial Joint Stock Bank are growing +23.4% versus a year earlier. How much earnings per share grew versus a year earlier.

How much free cash flow does Vietnam Technological And Commercial Joint Stock Bank (TCB) generate?

The free cash flow of Vietnam Technological And Commercial Joint Stock Bank is 39.3T VND (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.

How much net debt does Vietnam Technological And Commercial Joint Stock Bank (TCB) carry?

The net debt of Vietnam Technological And Commercial Joint Stock Bank is 84.7T VND (fiscal year 2025, ≈ 2.2 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.

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