Viet Nam International Commercial Joint Stock Bank (VIB) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Viet Nam International Commercial Joint Stock Bank stock VND 13,617, price VND 14,000, that is 2.7% below the price, quality 56 out of 100. Rating: fairly valued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 6, 2026.
How to read this chart
60‑month range 6,095 VND – 19,317 VND · fair‑value band 11,743 VND – 16,741 VND · the 14,000 VND price screens above the 13,617 VND fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 6, 2026.
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Vietnam International Commercial Joint Stock Bank provides various banking products and services to organizations and individuals primarily in Vietnam.
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It offers current, business, and digi accounts; term, foreign term, and flexi deposits; savings; mortgage, new and used auto purchase, apartment, home refinancing, unsecured personal, working capital, and business investment loans; and short, medium, and long-term loans.
The company also provides treasury and insurance products; credit and debit cards; derivatives; and transaction banking, cash flow management, funds, lending, bank guarantee, and trade finance services.
In addition, it offers supply chain finance, collection, payment, liquidity management, forex, and ATM; and mobile, digital, and other banking services. Vietnam International Commercial Joint Stock Bank was founded in 1996 and is headquartered in Ho Chi Minh City, Vietnam.
Stock analysis
Viet Nam International Commercial Joint Stock Bank (VIB) currently trades at 14,000 VND, while our model-based Fair Value estimate is 13,617 VND, so the stock looks roughly fairly valued today (gap 2.8%).
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Valuation
Bull case: the Multiples group reads highest at a median of 21,411 VND per share, and 2 of the 6 models we run sit above the 14,000 VND price.
Bear case: the Dividend Discount group reads lowest at 4,711 VND, and 4 of the 6 models stay below the price. Data coverage for this calculation is low.
Scenario range: 11,743 VND (bear) to 16,741 VND (bull), the price of 14,000 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 56/100 (solid quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Viet Nam International Commercial Joint Stock Bank reported revenue of 18.3T VND in FY2025 versus 14.7T VND in FY2021, a compound +5.6%/yr. Reported net income was 7.3T VND in FY2025, compounding +3.3%/yr from FY2021.
Key figures
Market cap 52.3T VND (≈ $2.0B) Mid · P/E ratio 7.2 · P/S ratio 3.15 · EPS (TTM) 1,938 VND · Dividend yield 4.0% · Net margin 44.6% · Return on equity 16.2% · Return on assets 1.3%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 71 out of 100 (low confidence).
What moves the price
The share trades about 9% 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 −28% fair-value upside, at −3%, VIB screens cheaper than that median.
Fair Value models
Bear11,743 VNDFair Value 13,617 VNDBull16,741 VND
Price 14,000 VND · Downside -2.7%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then (1,662 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. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = 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.
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.86/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
−5.7%
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.
+1.1%
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.
+10.6%
Start year 2020 (pandemic)
’20
’21
’22
’23
’24
’25
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.
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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 · 996 stocks
Beats the industry median on 11/12 measures
Overall it ranks above its industry peers.
Valuation
Quality Score56 · Above median
Fair Value upside−2.7% · Above median
Profitability
Return on equity (12 months)16.2% · Top 25%
Return on assets1.3% · Above median
Net margin (12 months)44.6% · Top 25%
Operating margin (12 months)58.3% · Top 25%
Growth and dividend
Revenue growth (quarter YoY)−8.8% · Bottom 25%
Dividend yield (12 months)4.0% · Above median
Valuation Multiplesvs Banks - Regional median · lower = cheaper
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Viet Nam International Commercial Joint Stock Bank Fair Value". https://www.fairvalue-calculator.com/stock/VIB
Frequently asked questions
Is Viet Nam International Commercial Joint Stock Bank (VIB) overvalued or undervalued?
As of Nov 6, 2026, our model estimates a fair value of 13,617 VND versus a price of 14,000 VND, about 3% lower (fairly valued).
What is the fair value of VIB?
Our model-based fair value for Viet Nam International Commercial Joint Stock Bank is 13,617 VND (as of Nov 6, 2026), built from audited fundamentals. The current price: 14,000 VND.
What is the quality score of VIB?
Viet Nam International Commercial Joint Stock Bank has a Quality Score of 56/100. 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 Viet Nam International Commercial Joint Stock Bank (VIB)?
Our model-based price target is the fair value of 13,617 VND (as of Nov 6, 2026) from 6 valuation models. Cautious scenario 11,743 VND, optimistic scenario 16,741 VND. It is a calculation from audited fundamentals, not an analyst target.
What is the Viet Nam International Commercial Joint Stock Bank stock forecast for 2026?
Our models put fair value at 13,617 VND, about 3% lower versus a price of 14,000 VND (fairly valued). Cautious scenario 11,743 VND, optimistic scenario 16,741 VND. The calculation is refreshed regularly with new filings.
What is the revenue of Viet Nam International Commercial Joint Stock Bank (VIB)?
Viet Nam International Commercial Joint Stock Bank reported trailing-twelve-month revenue of about 16.6T VND (latest available figure, as of Nov 6, 2026).
Does Viet Nam International Commercial Joint Stock Bank pay a dividend?
Viet Nam International Commercial Joint Stock Bank currently shows a dividend yield of 4.05% relative to its recent price (as of Nov 6, 2026).
How much is the dividend of Viet Nam International Commercial Joint Stock Bank (VIB)?
Viet Nam International Commercial Joint Stock Bank has a dividend yield of 4.0%.
What is the intrinsic value of Viet Nam International Commercial Joint Stock Bank (VIB)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Viet Nam International Commercial Joint Stock Bank it is 13,617 VND per share (as of Nov 6, 2026), against a price of 14,000 VND. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Viet Nam International Commercial Joint Stock Bank stock overvalued or undervalued in 2026?
As of Nov 6, 2026, VIB trades above its calculated fair value: price 14,000 VND, fair value 13,617 VND, a gap of about −3% (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 VIB?
No. The price is what the market pays today (14,000 VND); the fair value is what the company's own numbers justify (13,617 VND). For Viet Nam International Commercial Joint Stock Bank the two are 383.49 VND per share apart. That gap is exactly why we show both numbers side by side.
How much is Viet Nam International Commercial Joint Stock Bank worth?
The market values Viet Nam International Commercial Joint Stock Bank at about 52.3T VND (market capitalisation, as of Nov 6, 2026). Per share that is 14,000 VND; our models calculate a fair value of 13,617 VND per share.
What do the bullish and bearish scenarios say about VIB?
Our models span a range for Viet Nam International Commercial Joint Stock Bank: cautious scenario 11,743 VND, base 13,617 VND, optimistic 16,741 VND per share (as of Nov 6, 2026, price 14,000 VND). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of VIB?
Viet Nam International Commercial Joint Stock Bank trades at a price-to-earnings ratio of 7.2 (as of Nov 6, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 13,617 VND is built from several models across several years. Other multiples: P/B 1.1, P/S 3.1.
How solid is the balance sheet of Viet Nam International Commercial Joint Stock Bank (VIB)?
Balance-sheet figures for Viet Nam International Commercial Joint Stock Bank (as of Nov 6, 2026): return on equity 16.2%. They feed the Quality Score of 56/100, which measures business quality independently of the share price.
How far is VIB from its 52-week high?
Viet Nam International Commercial Joint Stock Bank trades at 14,000 VND, about 9% below its 52-week high of 15,470 VND and 9% above the low of 12,809 VND (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of 13,617 VND is for.
Which stocks are comparable to Viet Nam International Commercial Joint Stock Bank?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, 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 Viet Nam International Commercial Joint Stock Bank stock attractive at the current price?
The data as of Nov 6, 2026: price 14,000 VND, calculated fair value 13,617 VND (−3%), Quality Score 56/100, 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 VIB calculated?
We run Viet Nam International Commercial Joint Stock Bank through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of 13,617 VND builds on their evidence-weighted average, 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 13.3% above its aggregate fair value. Viet Nam International Commercial Joint Stock 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 Viet Nam International Commercial Joint Stock Bank (VIB)?
The closing price on Nov 6, 2026 was 14,000 VND. Our model-based fair value is 13,617 VND, about 3% lower (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Viet Nam International Commercial Joint Stock 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 Viet Nam International Commercial Joint Stock Bank
How large is the market capitalisation of Viet Nam International Commercial Joint Stock Bank (VIB)?
The market capitalisation of Viet Nam International Commercial Joint Stock Bank is 52.3T VND (≈ $2.0B). 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 Viet Nam International Commercial Joint Stock Bank (VIB)?
The price-to-sales ratio of Viet Nam International Commercial Joint Stock Bank is 3.15 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Viet Nam International Commercial Joint Stock Bank (VIB)?
Earnings per share at Viet Nam International Commercial Joint Stock Bank are 1,938 VND (price ÷ EPS = P/E 7.2). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Viet Nam International Commercial Joint Stock Bank (VIB)?
The dividend yield of Viet Nam International Commercial Joint Stock Bank is 4.0% (payout 29.2%). 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 Viet Nam International Commercial Joint Stock Bank (VIB)?
The net margin of Viet Nam International Commercial Joint Stock Bank is 44.6% (last twelve months). 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 Viet Nam International Commercial Joint Stock Bank (VIB)?
The return on equity (ROE) of Viet Nam International Commercial Joint Stock Bank is 16.2% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the return on assets of Viet Nam International Commercial Joint Stock Bank (VIB)?
The return on assets (ROA) of Viet Nam International Commercial Joint Stock Bank is 1.3% (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 Viet Nam International Commercial Joint Stock Bank (VIB)?
The operating margin of Viet Nam International Commercial Joint Stock Bank is 58.3% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Viet Nam International Commercial Joint Stock Bank (VIB)?
Revenue at Viet Nam International Commercial Joint Stock Bank is growing −8.8% versus a year earlier (3y avg +1.1%). 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 Viet Nam International Commercial Joint Stock Bank (VIB)?
Earnings per share at Viet Nam International Commercial Joint Stock Bank are growing −1.1% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Viet Nam International Commercial Joint Stock Bank (VIB) generate?
The free cash flow of Viet Nam International Commercial Joint Stock Bank is 12.7T 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 Viet Nam International Commercial Joint Stock Bank (VIB) carry?
The net debt of Viet Nam International Commercial Joint Stock Bank is 2.6T VND (fiscal year 2025, ≈ 0.2 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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Nov 6, 2026