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STOCK COMPARISON

Military Commercial Joint Stock Bank vs Citic Pacific: Fair Value & Quality

Both stocks run through our valuation models. Here is how Military Commercial Joint Stock Bank (MBB) and Citic Pacific (0267) compare, as of Aug 10, 2026.

As of Aug 10, 2026, Fair Value Calculator sees Military Commercial Joint Stock Bank as the more attractively valued of the two: Military Commercial Joint Stock Bank trades at VND 24,150 versus a fair value of VND 47,500 (+97%), while Citic Pacific trades at HK$11.89 versus HK$22.56 (+90%).
Military Commercial Joint Stock Bank
MBB.VN · VND · Industrials
+97%
upside to fair value
undervalued
PriceVND 24,150
Fair ValueVND 47,500
Quality58/100
Citic Pacific
0267.HK · HKD · Industrials
+90%
upside to fair value
undervalued
PriceHK$11.89
Fair ValueHK$22.56
Quality45/100

Head-to-head numbers

Green value = the better side for that row (for valuation multiples: lower = cheaper).

Military Commercial Joint Stock BankCitic Pacific
Valuation
6.9×P/E (TTM)4.8×
3.43×P/S (TTM)0.34×
1.41×P/B0.37×
—EV/EBITDA2.8×
—PEG1.76×
—Dividend yield5.2%
—Dividend per shareHK$0.59
Profitability
50%Net margin6%
68%Operating margin30%
21%Return on equity8%
2%Return on assets1%
Growth
17%Revenue growth (YoY)-2%
13.0%Avg. growth/yr (3Y)10.2%
18.0%Avg. growth/yr (5Y)10.9%
Balance & size
—Debt / equity2.03×
$7BMarket cap$41B
healthyGrowth qualityexpensive

Military Commercial Joint Stock Bank leads: 7 to 3 metric wins.

Dash = not meaningfully computable, for example with negative equity.

Quality in detail

The quality score, broken down into the same factor families as on the stock page, 0 to 100 per family.

Military Commercial Joint Stock Bankof which business quality 58 · market factors 49 Citic Pacificof which business quality 39 · market factors 50
ProfitabilityMargins and returns on capital today
50
20
Quality GrowthAre margins and returns improving?
59
54
CashflowEarnings quality: real cash, not paper profit
100
23
Fin. StrengthBalance sheet, leverage, solvency risk
49
20
InvestmentDisciplined investing over empire-building
32
69
Low VolatilityCalm price path (market factor)
83
74
MomentumPrice trend over the last 3–12 months (market factor)
32
36
52W MomentumDistance to the 52-week high (market factor)
38
45
Net IssuanceBuybacks instead of dilution
40
82

What the models say

The median fair value (base case) per model family, each in the currency of its trading venue. Green = above the current price, red = below.

Military Commercial Joint Stock Bank

Dividend DiscountVND 4,915
MultiplesVND 63,166
Asset-BasedVND 11,324
Economic ProfitVND 33,395

3 of 6 models see the stock below the current price.

Citic Pacific

DCF ModelsHK$25.60
Earnings-BasedHK$65.33
Dividend DiscountHK$11.60
MultiplesHK$41.60
Asset-BasedHK$20.07
Economic ProfitHK$26.48

1 of 11 models see the stock below the current price.

Scenario ranges

From our cautious bear case to the optimistic bull case. The white tick is the current price: left of fair value means room to run.

Military Commercial Joint Stock Bank
Bear VND 35,625Fair Value VND 47,500Bull VND 59,375
VND 24,150 = current price (white tick)
Citic Pacific
Bear HK$16.92Fair Value HK$22.56Bull HK$28.20
HK$11.89 = current price (white tick)

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Ranked within their sector

Where each stock sits within its sector peer group. Band = middle 50% of peers, tick = median, dot = this stock.

Military Commercial Joint Stock Bank · Industrials

Quality score58 · above median
Fair value upside+97% · Top 25%

Citic Pacific · Industrials

Quality score45 · below median
Fair value upside+90% · Top 25%

Bottom line

As of Aug 10, 2026, Fair Value Calculator sees Military Commercial Joint Stock Bank as the more attractively valued of the two: Military Commercial Joint Stock Bank trades at VND 24,150 versus a fair value of VND 47,500 (+97%), while Citic Pacific trades at HK$11.89 versus HK$22.56 (+90%).

Military Commercial Joint Stock Bank has the higher quality score (58/100).

See the full analysis →
Military Commercial Joint Stock Bank · Citic Pacific

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A model-based valuation snapshot from 21 models. Values change with price and fundamentals; the date shown above applies.