EIB.VN
SinkerVietnam Export Import Commercial Joint Stock Bank · Financial Services · Vietnam · $1.2B cap · $3.0M/day traded
VND 16,400 +0.0% · close 6 Nov · scored 7 Nov
Sinker: Weak business, rich price and weak momentum. Nothing here to keep it afloat.
As of 7 Nov 2026, the MoatMap Score for Vietnam Export Import Commercial Joint Stock Bank (EIB.VN) is 3/100, ranked against 25,000+ stocks in 38 markets (Quality 28, Value 22, Momentum 14, each scored against its sector).
Does the score work? Each tenth of the ranking, tracked monthly. See the record →
ABOUT VIETNAM EXPORT IMPORT COMMERCIAL JOINT STOCK BANK
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Vietnam Export Import Commercial Joint Stock Bank provides commercial banking services to individual and business customers in Vietnam. It operates through Banking and Financial Services; and Non-Banking Financial Services segments.
FINANCIAL SUMMARY (VND)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 7.3T | 6.6T | 8.4T | 7.3T | -0.1% | 4.0T | 9.7T | 11.8T | 27.1% |
| EPS (VND) | 1,474 | 1,082 | 1,663 | 610.00 | -25.5% | 100.99 | 1,049 | 1,647 | 64.3% |
| Shares | 1.9B | 1.9B | 1.9B | 1.9B | -0.0% | 1.9B | — | — | — |
| Debt | 2.5T | 2.0T | 18.5T | 30.1T | 130.2% | 13.1T | — | — | — |
| Equity | 20.5T | 22.4T | 25.1T | 26.0T | 8.3% | — | — | — | — |
| Op CF | 10.4T | 9.2T | -11.2T | 13.9T | 10.3% | 23.1T | — | — | — |
| Inv CF | -176.1B | -640.3B | -293.7B | -402.7B | — | — | — | — | — |
| Fin CF | 0 | 0 | -522.3B | 0 | — | — | — | — | — |
No new 52-week low for 4 weeks, 4% above that low, but not back above a rising 50-day average.
Calmer than 66% of stocks we rank over the past year (volatility 33% a year).
How this is worked out
The MoatMap Score weighs the business, its price and its trend. The price check reads only the chart: the price side of the Momentum score, in words.
The rules: Still falling is a new 52-week low in the last two weeks, at least 25% below the high. Finding a floor is no new low since. Turning up is 20 or more trading days without a new low, at least 10% off it, and back above a rising 50-day average. In an uptrend is above the 200-day average and within 15% of the high.
In 2,112 US drawdowns since 2001, buying while the price was still falling was followed by a further 20% drop 42% of the time. Waiting for a turn (the Turning up rule above) cut that to 33%, at about 7% higher prices and with no better returns. Part of that cut is simply not buying: 13% of falls never turned, and waiting kept those out. Among turns that were bought, 38% still fell another 20%, and 33% of turns were followed by a new low within six months. The benefit was largest in crashes such as 2008 and 2020.
What it measures: how much the price moved day to day over the past year, scaled to a yearly figure (annualised volatility) and ranked against every stock we cover. Very calm under 20% a year, Calm 20 to 30%, Average 30 to 40%, Bumpy 40 to 55%, Very bumpy above that.
What we found: across about 13,500 stocks in 34 markets (2002 to 2025), past swings were a good guide to the next year's, and bumpier stocks fell further. How much further changed too much between eras to put a number on it.
Calm is not safe: a calm stock can still slide steadily.
Rules fixed before any data was fetched. Describes the chart, not a recommendation.
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of EIB.VN are excluded.
| Ticker | Company | Mkt Cap | Score |
|---|---|---|---|
| EIB.VN | Vietnam Export Import Commercial Joint Stock Bank(you) | $1.2B | 3 |
| VBB.VN | Vietnam Thuong Tin Commercial Joint Stock Bank | $563M | 24 |
| SSB.VN | Southeast Asia Commercial Joint Stock Bank | $2.0B | 37 |
| BVB.VN | Viet Capital Commercial Joint Stock Bank | $261M | 21 |
| STB.VN | Saigon Treasure Commercial Joint Stock Bank | $5.1B | 30 |
| KLB.VN | Kien Long Commercial Joint - Stock Bank | $305M | 53 |
| LPB.VN | Fortune Vietnam Joint Stock Commercial Bank | $4.2B | 55 |
| SHB.VN | Saigon - Hanoi Commercial Joint Stock Bank | $1.9B | 74 |
| BID.VN | Joint Stock Commercial Bank for Investment and Development of Vietnam | $9.8B | 45 |
| OCB.VN | Orient Commercial Joint Stock Bank | $1.3B | 88 |
Peer medians: ROE 13.0% · P/E 10.6x · Gross margin 83.4%
Company Deep Dive
A 10,000-word report: the business and its segments, what management promised on earnings calls and whether it delivered, the competition, and how things could turn out.