NAB.VN
Full HouseNam A Commercial Joint Stock Bank · Financial Services · Vietnam · $1.1B cap · $1.1M/day traded
VND 12,650 +0.0% · close 6 Nov · scored 7 Nov
Score up 1.2 since 6 Nov.
Full House: Strong business, sensible price, and the market agrees.
As of 7 Nov 2026, the MoatMap Score for Nam A Commercial Joint Stock Bank (NAB.VN) is 92/100, ranked against 25,000+ stocks in 38 markets (Quality 64, Value 65, Momentum 68, each scored against its sector).
Does the score work? Each tenth of the ranking, tracked monthly. See the record →
ABOUT NAM A COMMERCIAL JOINT STOCK BANK
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Nam A Commercial Joint Stock Bank provides banking products and services in Vietnam. The company mobilizes short, medium, and long-term funds in the form of term and demand deposits, and certificate of deposit; investment and development funds and borrowings from other financial institutions;...
FINANCIAL SUMMARY (VND)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM |
|---|---|---|---|---|---|---|
| Revenue | 5.3T | 7.8T | 8.6T | 9.5T | 21.2% | 10.1T |
| EPS (VND) | 929.60 | 1,291 | 1.78 | 2.03 | -87.0% | 2,376 |
| Shares | 1.6B | 2.0B | 2.1B | 2.1B | +29.7% | 2.2B |
| Debt | 14.4T | 20.7T | 22.6T | 38.5T | 38.7% | 75.6T |
| Equity | 12.6T | 15.2T | 19.3T | 23.4T | 22.8% | — |
| Op CF | 245.1B | 12.5T | 13.4T | 118.6T | 685.1% | 61.7T |
| Inv CF | -490.7B | -580.0B | -799.8B | -808.9B | — | — |
| Fin CF | 2.8T | -226.0M | 499.6B | -159.0M | — | — |
Above its 200-day average and 6% below its 52-week high.
Calmer than 89% of stocks we rank over the past year (volatility 22% 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 NAB.VN are excluded.
| Ticker | Company | Mkt Cap | Score |
|---|---|---|---|
| NAB.VN | Nam A Commercial Joint Stock Bank(you) | $1.1B | 92 |
| OCB.VN | Orient Commercial Joint Stock Bank | $1.3B | 88 |
| TPB.VN | Tien Phong Commercial Joint Stock Bank | $1.6B | 89 |
| MSB.VN | Vietnam Maritime Commercial Joint Stock Bank | $2.4B | 87 |
| VIB.VN | Vietnam International Commercial Joint Stock Bank | $2.1B | 82 |
| SHB.VN | Saigon - Hanoi Commercial Joint Stock Bank | $1.9B | 74 |
| HDB.VN | Ho Chi Minh City Development Joint Stock Commercial Bank | $5.7B | 93 |
| ACB.VN | Asia Commercial Joint Stock Bank | $4.6B | 84 |
| MBB.VN | Military Commercial Joint Stock Bank | $7.6B | 81 |
| VPB.VN | Vietnam Prosperity Joint Stock Commercial Bank | $8.5B | 79 |
Peer medians: ROE 12.6% · P/E 10.9x · 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.