Asia Commercial Joint Stock Bank (ACB) Fair Value & Analysis
Financial Services · VN · Market cap 117T VND
Fair value as of: Jun 26, 2026
From 19 valuation models · updated 3 days ago
Fair value updated Jun 26, 2026 — revised from 44,700 VND to 44,800 VND (+0.2%) since Jun 25, 2026. Share price −8.0% over the past month.
Price vs Fair Value (12 months)
12‑month range 20,737 VND – 28,807 VND · fair‑value band 33,600 VND – 56,000 VND · the 22,400 VND price screens below the 44,800 VND fair value. As of Jun 26, 2026.
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Asia Commercial Joint Stock Bank (ACB) currently trades at 22,400 VND, while our model-based Fair Value estimate is 44,800 VND — implying the stock looks roughly 100.0% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.
Over the trailing twelve months, Asia Commercial Joint Stock Bank generated revenue of 31.4T VND at a net margin of 51.8%. Revenue grew 12.7% year over year. It earns a return on equity of 17.5%. The stock trades on a trailing P/E of 8.5. Fundamentals as of Jun 26, 2026
Key figures & financial health
More key figures
Figures from reported company fundamentals (EODHD) · as of Jun 26, 2026. TTM = trailing twelve months.
About the company
Asia Commercial Joint Stock Bank provides various banking products and services to personal and business customers in Vietnam. It offers term and demand deposits, current accounts, and time deposits; credit, debit, prepaid, and corporate cards; and life, health, home, motor vehicle, cargo, property all risk, fire and special perils, installation and construction, ship, business interruption, and other insurance products. The company also provides consumer and business loans, including working capital loans, business loans, loans secured by savings books and valuable papers, fixed asset loans, home mortgage, home construction and renovation loans, secured personal loans, car and auto loans, 247 online disbursements, overdrafts, domestic commercial contract financing, commercial construction contract financing, auto distributor/dealer finance, fixed asset investment/investment project financing, real estate project finance, and financing solutions for enterprise in industrial parks. I…
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Asia Commercial Joint Stock Bank reported revenue of 32.8T VND in FY2025 versus 23.4T VND in FY2021, a compound +8.8%/yr. Reported net income was 15.6T VND in FY2025, compounding +12.9%/yr from FY2021.
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Similar stocks
6 more Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Jun 26, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| HDFC Bank Limited HDFCBANK | ₹747.05 | ₹894.11 | +20% |
| ICICI Bank Limited ICICIBANK | ₹1,293 | ₹919.10 | -29% |
| PT Bank Central Asia Tbk BBCA | 6,225 IDR | 6,617 IDR | +6% |
| PT Bank Rakyat Indonesia (Persero) Tbk BBRI | 2,880 IDR | 5,760 IDR | +100% |
| Banco Bradesco S.A BBD | 5,120 ARS | 10,240 ARS | +100% |
| KB Financial Group 105560 | 154,000 KRW | 172,992 KRW | +12% |
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Frequently asked questions
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.
Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.