Vietnam Maritime Commercial Joint Stock Bank (MSB) Fair Value & Analysis
Financial Services · VN · Market cap 45.2T VND
Fair value as of: Jun 26, 2026
From 18 valuation models · updated 3 days ago
Fair value updated Jun 26, 2026 — revised from 31,000 VND to 31,500 VND (+1.6%) since Jun 25, 2026. Share price +4.6% over the past month.
Price vs Fair Value (12 months)
12‑month range 9,844 VND – 15,750 VND · fair‑value band 23,625 VND – 39,375 VND · the 15,750 VND price screens below the 31,500 VND fair value. As of Jun 26, 2026.
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Vietnam Maritime Commercial Joint Stock Bank (MSB) currently trades at 15,750 VND, while our model-based Fair Value estimate is 31,500 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, Vietnam Maritime Commercial Joint Stock Bank generated revenue of 12.4T VND at a net margin of 47.4%. Revenue grew 9.9% year over year. It earns a return on equity of 14.3%. Net debt stands at 11.6T VND. 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
Vietnam Maritime Commercial Joint Stock Bank provides commercial and retail banking products and services in Vietnam. The company offers fixed term and flexible savings accounts, and credit, debit, and hybrid cards. It also provides real estate, business, consumer, auto, home renovation loans, as well as consumer overdrafts; investment products; savings-linked and investment-linked, health, and property insurance products; international transfers and remittances, and foreign cash exchange services. In addition, the company offers account services, transfers, and cash management; short, medium, and long-term corporate lending services; guarantees and export letters of credit; foreign exchange, SWAP, and interbank cash exchange transactions; supply chain finance services; and priority banking services. Further, it provides capital market, credit and trade finance, payment, corresponding banking, and custody services. Vietnam Maritime Commercial Joint Stock Bank was incorporated in 199…
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Vietnam Maritime Commercial Joint Stock Bank reported revenue of 13.7T VND in FY2025 versus 10.3T VND in FY2021, a compound +7.4%/yr. Reported net income was 5.6T VND in FY2025, compounding +8.7%/yr from FY2021.
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|---|---|---|---|
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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.