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Orient Commercial JS Bank (OCB) fair value: what the stock is really worth

As of Sep 23, 2026: fair value of Orient Commercial JS Bank VND 9,784, price VND 10,450, upside -6.4%, quality 62 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? No
  2. Good quality? Yes
  3. Add to watchlist

Financial Services · VN

OC Thin data Sep 24, 2026

Orient Commercial JS Bank

OCB · VN

NeutralThe stock looks roughly fairly valued with average quality.

·Fair value 9,784 VND · Fairly valued (−6%)
!Quality 62/100
✓Healthy Growth (revenue 5y +6.0 %/yr)
✓Highly profitable · 44.7% net margin (TTM)
✓generates free cash flow
✓Ranks above peers (11/12)
✓Wide moat 68/100
!Insider activity 30/100
!Evidence only low, so the estimate is less certain
!Weak on valuation: 25 out of 100
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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

12,941 VND 5,219 VND Fair Value 9,784 VND Jun 2021 Sep 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.

How to read this chart

60‑month range 5,219 VND – 12,941 VND · fair‑value band 8,969 VND – 11,463 VND · the 10,450 VND price screens above the 9,784 VND fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 2026.

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Company profile

Orient Commercial Joint Stock Bank provides banking products and services in Vietnam.

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Orient Commercial Joint Stock Bank provides banking products and services in Vietnam. The company is involved in the mobilising short-term, current account, medium-term, and long-term deposits; receiving entrusted funds from domestic organisations; borrowing from credit institutions; granting short-term, medium-term, and long-term loans; discounting commercial papers, bonds, and valuable papers; joint ventures and capital contribution; payment transaction services; foreign currency trading; gold trading; participation in the national interbank settlement system; bills, bonds, and promissory notes to mobilise funds; and international trade finance services. It also offers mobilising overseas funds and international banking services with overseas counterparties; insurance agency services; bond trading; credit facilities; issuing credit cards; bank guarantees; internal settlement system operations; cash management services; banking and financial consulting; safekeeping and management of precious assets; safe deposit box rental; corporate finance advisory; advisory on acquisitions; advisory on consolidations; advisory on mergers; investment consulting; bidding for treasury bills, transferable instruments, government bonds, sbv bills, and other valuable money-market documents; monetary brokerage services; issuing certificates of deposit; depositing/placing funds with and receiving funds from other credit institutions, foreign bank branches, and domestic/foreign financial organisations; insurance agency; entrusted/agency activities in banking operations, insurance, and asset management; and debt purchase/trading services. The company was founded in 1996 and is based in Ho Chi Minh City, Vietnam.

Stock analysis

Orient Commercial JS Bank (OCB) currently trades at 10,450 VND, while our model-based Fair Value estimate is 9,784 VND, implying the stock looks roughly 6.8% fairly valued today.

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Valuation

Bull case: the Multiples group reads highest at a median of 15,508 VND per share, and 3 of the 6 models we run sit above the 10,450 VND price.

Bear case: the Dividend Discount group reads lowest at 7,020 VND, and 3 of the 6 models stay below the price. Evidence for this calculation is low.

Scenario range: 8,969 VND (bear) to 11,463 VND (bull), the price of 10,450 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 62/100 (solid quality), in the Financial Services sector.

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

Orient Commercial JS Bank reported revenue of 10.6T VND in FY2025 versus 8.9T VND in FY2021, a compound +4.4%/yr. Reported net income was 4.0T VND in FY2025, compounding −2.3%/yr from FY2021.

Key figures

Market cap 32.6T VND · P/E ratio 7.5 · P/S ratio 2.85 · EPS (TTM) 1,385 VND · Dividend yield 5.3% · Net margin 37.8% · Return on equity 12.7% · Return on assets 1.4%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 48 out of 100 (low confidence).

What moves the price

The share trades about 11% 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 −38% fair-value upside, at −6%, OCB screens cheaper than that median.

Fair Value models

Bear 8,969 VND Fair Value 9,784 VND Bull 11,463 VND
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then (1,013 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. Evidence ⓘEvidence = 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.
Highest evidence
Residual Income 9,627 VND 10,771 VND 15,838 VND 76
Gordon GGM 4,348 VND 7,836 VND 10,787 VND 68
DDM Multi-Stage 4,348 VND 7,020 VND 8,370 VND 67
All 6 models by family
Dividend Discount
Gordon GGM 4,348 VND 7,836 VND 10,787 VND 68
DDM Multi-Stage 4,348 VND 7,020 VND 8,370 VND 67
Multiples
P/E Multiple 12,767 VND 17,022 VND 21,278 VND 63
P/B Multiple 11,631 VND 15,508 VND 19,385 VND 55
Asset-Based
NCAV (Graham) 5,539 VND 7,422 VND 11,077 VND 51
Economic Profit
Residual Income 9,627 VND 10,771 VND 15,838 VND 76

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Quality Score breakdown

Overall quality 62/100

Of which business quality 64 · Market factors (momentum, volatility) 55

Profitability 44
Margins and returns on capital today
Quality Growth 47
Are margins and returns improving?
Cashflow 100
Earnings quality: real cash, not paper profit
Fin. Strength 59
Balance sheet, leverage, solvency risk
Investment 46
Disciplined investing over empire-building
Low Volatility 88
Calm price path (market factor)
Momentum 43
Price trend over the last 3–12 months (market factor)
52W Momentum 38
Distance to the 52-week high (market factor)
Net Issuance 82
Share count: buybacks or dilution?

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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. 81/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+7.1%
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.
+8.8%
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.
+6.0%
Start year 2020 (pandemic)
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.
+4.8%
Earnings growth per share plus dividend.
Earnings per share, growth per year−0.5%
Dividend (yield on the price)5.3%

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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 · 1074 stocks

Beats the industry median on 11/12 measures
Overall it ranks above its industry peers.
Valuation
Quality Score 63 · Top 25%
Fair Value upside −6% · Above median
Profitability
Return on equity (TTM) 13% · Above median
Return on assets 1% · Above median
Net margin (TTM) 45% · Top 25%
Operating margin (TTM) 57% · Top 25%
Growth and dividend
Revenue growth 18% · Above median
Dividend yield (TTM) 5.3% · Top 25%

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (TTM) 7.5× · Cheapest 25%
P/B 0.96× · Cheaper than median
P/S (TTM) 3.41× · Pricier than median
P/FCF 0.0× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)25 · sector 11
FUTURE (revenue growth)89 · sector 45
PAST (return on equity)51 · sector 41
HEALTH (low debt)0 · sector 85
DIVIDEND (yield)100 · sector 53

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
DBS Group D05 77.69 SGD 40.48 SGD −48%
China Merchants Bank Co 3968 HK$51.25 HK$62.30 +22%
Intesa Sanpaolo S.p.A ISP €6.73 €4.04 −40%
HDFC Bank Limited HDFCBANK ₹737.25 ₹406.85 −45%
BNP Paribas SA BNP €101.30 €105.99 +5%
UniCredit S.p.A UCG €83.28 €77.62 −7%
Mizuho Financial Group MFG $10.87 $6.75 −38%
ICICI Bank Limited ICICIBANK ₹1,340 ₹616.16 −54%
The PNC Financial Services Group PNC $227.96 $159.52 −30%
Oversea-Chinese Banking Corporation O39 32.14 SGD 19.80 SGD −38%

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Orient Commercial JS Bank · Fair Value
9,784 VND −7%Fair Value
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Cite: Fair Value Calculator (2026). "Orient Commercial JS Bank Fair Value". https://www.fairvalue-calculator.com/stock/OCB

Frequently asked questions

Is Orient Commercial JS Bank (OCB) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of 9,784 VND versus a price of 10,450 VND, about −6% upside (fairly valued).
What is the fair value of OCB?
Our model-based fair value for Orient Commercial JS Bank is 9,784 VND (as of Sep 24, 2026), built from audited fundamentals. The current price: 10,450 VND.
What is the quality score of OCB?
Orient Commercial JS Bank has a Quality Score of 62/100. 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 Orient Commercial JS Bank (OCB)?
Our model-based price target is the fair value of 9,784 VND (as of Sep 24, 2026) from 6 valuation models. Cautious scenario 8,969 VND, optimistic scenario 11,463 VND. It is a calculation from audited fundamentals, not an analyst target.
What is the Orient Commercial JS Bank stock forecast for 2026?
Our models put fair value at 9,784 VND, about −6% upside versus a price of 10,450 VND (fairly valued). Cautious scenario 8,969 VND, optimistic scenario 11,463 VND. The calculation is refreshed regularly with new filings.
What is the revenue of Orient Commercial JS Bank (OCB)?
Orient Commercial JS Bank reported trailing-twelve-month revenue of about 9.6T VND (latest available figure, as of Sep 24, 2026).
Does Orient Commercial JS Bank pay a dividend?
Orient Commercial JS Bank currently shows a dividend yield of about 5.26% relative to its recent price (as of Sep 24, 2026).
What is the intrinsic value of Orient Commercial JS Bank (OCB)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Orient Commercial JS Bank it is 9,784 VND per share (as of Sep 24, 2026), against a price of 10,450 VND. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Orient Commercial JS Bank stock overvalued or undervalued in 2026?
As of Sep 24, 2026, OCB trades above its calculated fair value: price 10,450 VND, fair value 9,784 VND, a gap of about −6% (fairly valued). 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 OCB?
No. The price is what the market pays today (10,450 VND); the fair value is what the company's own numbers justify (9,784 VND). For Orient Commercial JS Bank the two are 666.12 VND per share apart. That gap is exactly why we show both numbers side by side.
How much is Orient Commercial JS Bank worth?
The market values Orient Commercial JS Bank at about 32.6T VND (market capitalisation, as of Sep 24, 2026). Per share that is 10,450 VND; our models calculate a fair value of 9,784 VND per share.
What do the bullish and bearish scenarios say about OCB?
Our models span a range for Orient Commercial JS Bank: cautious scenario 8,969 VND, base 9,784 VND, optimistic 11,463 VND per share (as of Sep 24, 2026, price 10,450 VND). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of OCB?
Orient Commercial JS Bank trades at a price-to-earnings ratio of 7.5 (as of Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 9,784 VND is built from several models across several years. Other multiples: P/B 1.0, P/S 3.4.
How solid is the balance sheet of Orient Commercial JS Bank (OCB)?
Balance-sheet figures for Orient Commercial JS Bank (as of Sep 24, 2026): return on equity 12.7%. They feed the Quality Score of 62/100, which measures business quality independently of the share price.
How far is OCB from its 52-week high?
Orient Commercial JS Bank trades at 10,450 VND, about 11% below its 52-week high of 11,783 VND and 16% above the low of 9,043 VND (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of 9,784 VND is for.
Which stocks are comparable to Orient Commercial JS Bank?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, Intesa Sanpaolo S.p.A, HDFC Bank Limited, 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 Orient Commercial JS Bank stock attractive at the current price?
The data as of Sep 24, 2026: price 10,450 VND, calculated fair value 9,784 VND (−6%), Quality Score 62/100, 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 OCB calculated?
We run Orient Commercial JS Bank through 6 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of 9,784 VND, 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 14.1 % above its aggregate fair value. Orient Commercial JS 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 Orient Commercial JS Bank (OCB)?
The closing price on Sep 23, 2026 was 10,450 VND. Our model-based fair value is 9,784 VND, about −6% upside (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Orient Commercial JS Bank right now?
The price sits close to our fair value, market and models broadly agree here, little valuation tension. 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 Orient Commercial JS Bank

How large is the market capitalisation of Orient Commercial JS Bank (OCB)?
The market capitalisation of Orient Commercial JS Bank is 32.6T VND. 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 Orient Commercial JS Bank (OCB)?
The price-to-sales ratio of Orient Commercial JS Bank is 2.85 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Orient Commercial JS Bank (OCB)?
Earnings per share at Orient Commercial JS Bank are 1,385 VND (price ÷ EPS = P/E 7.5). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Orient Commercial JS Bank (OCB)?
The dividend yield of Orient Commercial JS Bank is 5.3% (payout 39.7%). 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 Orient Commercial JS Bank (OCB)?
The net margin of Orient Commercial JS Bank is 37.8% (fiscal year 2025). 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 Orient Commercial JS Bank (OCB)?
The return on equity (ROE) of Orient Commercial JS Bank is 12.7% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the return on assets of Orient Commercial JS Bank (OCB)?
The return on assets (ROA) of Orient Commercial JS Bank is 1.4% (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 Orient Commercial JS Bank (OCB)?
The operating margin of Orient Commercial JS Bank is 56.5% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Orient Commercial JS Bank (OCB)?
Revenue at Orient Commercial JS Bank is growing +17.8% versus a year earlier (3y avg +8.8%). 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 Orient Commercial JS Bank (OCB)?
Earnings per share at Orient Commercial JS Bank are growing +36.6% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Orient Commercial JS Bank (OCB) generate?
The free cash flow of Orient Commercial JS Bank is 16.6T 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 Orient Commercial JS Bank (OCB) carry?
The net debt of Orient Commercial JS Bank is 13.9T VND (fiscal year 2025, ≈ 0.8 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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