Vietnam International Commercial Joint Stock Bank (VIB) Fair Value & Analysis
Financial Services · VN · Market cap 51.9T VND
Fair value as of: Jul 16, 2026
From 6 valuation models · updated 24 days ago
Fair value updated Jul 16, 2026, revised from 32,000 VND to 30,900 VND (−3.4%) since Jun 26, 2026. Share price −9.8% over the past month.
A solid business, screening 111% undervalued on our models.
What matters now
- The price is below even our cautious bear case (23,175 VND). The market is more pessimistic than our downside scenario.
- Solid quality (57/100) 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 8,550 VND – 22,376 VND · fair‑value band 23,175 VND – 38,625 VND · the 14,650 VND price screens below the 30,900 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
Vietnam International Commercial Joint Stock Bank (VIB) currently trades at 14,650 VND, while our model-based Fair Value estimate is 30,900 VND, implying the stock looks roughly 110.9% undervalued today. The Quality Score stands at 57/100 (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, Vietnam International Commercial Joint Stock Bank generated revenue of 18.3T VND at a net margin of 41.5%. Revenue grew 44.6% year over year. It earns a return on equity of 16.4%. Net debt stands at 2.6T VND. Fundamentals as of Jul 16, 2026
Our scenario range runs from 23,175 VND (bear case) to 38,625 VND (bull case); at 14,650 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 38% below its 52-week high, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 42% fair-value upside, at 111%, VIB 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: Economic Profit (19,361 VND) versus Dividend Discount (6,785 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 55 · Market factors (momentum, volatility) 38
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
Vietnam International Commercial Joint Stock Bank provides various banking products and services to organizations and individuals primarily in Vietnam.
Full company description
Vietnam International Commercial Joint Stock Bank provides various banking products and services to organizations and individuals primarily in Vietnam. 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.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Vietnam 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.
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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.
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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