Orient Commercial Joint Stock Bank (OCB) Fair Value & Analysis
Financial Services · VN · Market cap 32.6T VND
Fair value as of: Jul 16, 2026
From 6 valuation models · updated 24 days ago
Fair value updated Jul 16, 2026, revised from 25,400 VND to 21,600 VND (−15.0%) since Jun 26, 2026. Share price −8.4% over the past month.
A solid business, screening 108% undervalued on our models.
What matters now
- The price is below even our cautious bear case (16,200 VND). The market is more pessimistic than our downside scenario.
- Solid quality (62/100) at a price below fair value, the discount is the argument here, not the business quality.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 16, 2026.
How to read this chart
60‑month range 5,219 VND – 12,941 VND · fair‑value band 16,200 VND – 27,000 VND · the 10,400 VND price screens below the 21,600 VND fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 16, 2026.
Analysis
Orient Commercial Joint Stock Bank (OCB) currently trades at 10,400 VND, while our model-based Fair Value estimate is 21,600 VND, implying the stock looks roughly 107.7% undervalued today. The Quality Score stands at 62/100 (solid 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, Orient Commercial Joint Stock Bank generated revenue of 9.6T VND at a net margin of 44.7%. Revenue grew 17.8% year over year. It earns a return on equity of 12.7%. Net debt stands at 13.9T VND. Fundamentals as of Jul 16, 2026
Our scenario range runs from 16,200 VND (bear case) to 27,000 VND (bull case); at 10,400 VND, the current price sits below that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 32% below its 52-week high and 9% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 42% fair-value upside, at 108%, OCB screens cheaper than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 6 models by family
Widest divergence: Multiples (15,508 VND) versus Asset-Based (7,422 VND). Highest evidence: Residual Income (76).
Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 16, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 64 · Market factors (momentum, volatility) 53
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
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 …
Full company description
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.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Orient Commercial Joint Stock 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.
Watch OCB: get an alert when its fair value changes →
Peer Group
Banks - Regional · 1083 stocks
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.
Valuation Multiples vs Banks - Regional median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Insider activity: 30/100
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Jul 16, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| PT Bank Central Asia Tbk BBCA | 6,175 IDR | 6,087 IDR | -1% |
| KB Financial Group 105560 | 184,400 KRW | 213,797 KRW | +16% |
| PT Bank Rakyat Indonesia (Persero) Tbk BBRI | 2,970 IDR | 4,891 IDR | +65% |
| PT Bank Mandiri (Persero) Tbk BMRI | 4,310 IDR | 7,841 IDR | +82% |
| Banco Bradesco S.A BBD | 5,120 ARS | 10,240 ARS | +100% |
| Shinhan Financial Group 055550 | 107,900 KRW | 137,259 KRW | +27% |
| Hana Financial Group 086790 | 136,800 KRW | 193,969 KRW | +42% |
| Lloyds Banking Group LYG | 4,138 ARS | 8,275 ARS | +100% |
| Banco de Chile, CHILE | 193.10 CLP | 152.55 CLP | -21% |
| Joint Stock Commercial Bank for Foreign Trade of Vietnam, VCB | 59,400 VND | 84,201 VND | +42% |
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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.
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