VCB.VN
Fallen FavouriteJoint Stock Commercial Bank for Foreign Trade of Vietnam · Financial Services · Vietnam · $17.6B cap · $8.0M/day traded
VND 54,200 +0.0% · close 6 Nov · scored 7 Nov
Score down 1.2 since 6 Nov.
Fallen Favourite: A good business, still expensive, and its momentum is weak.
As of 7 Nov 2026, the MoatMap Score for Joint Stock Commercial Bank for Foreign Trade of Vietnam (VCB.VN) is 43/100, ranked against 25,000+ stocks in 38 markets (Quality 62, Value 37, Momentum 37, each scored against its sector).
Does the score work? Each tenth of the ranking, tracked monthly. See the record →
ABOUT JOINT STOCK COMMERCIAL BANK FOR FOREIGN TRADE OF VIETNAM
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Joint Stock Commercial Bank for Foreign Trade of Vietnam, together with its subsidiaries, provides banking products and services in Vietnam.
FINANCIAL SUMMARY (VND)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 66.3T | 66.9T | 69.4T | 69.1T | 1.4% | 81.9T | 85.6T | 95.7T | 17.7% |
| EPS (VND) | 3,178 | 3,654 | 3,727 | 3,854 | 6.6% | 4,911 | 4,447 | 5,039 | 14.3% |
| Shares | 8.4B | 8.4B | 8.4B | 8.4B | -0.0% | 8.4B | — | — | — |
| Debt | 35.8T | 40.4T | 36.0T | 42.8T | 6.1% | 42.4T | — | — | — |
| Equity | 135.6T | 165.0T | 196.1T | 224.5T | 18.3% | — | — | — | — |
| Op CF | 183.4T | -38.5T | 59.1T | 116.2T | -14.1% | -130.6T | — | — | — |
| Inv CF | -392.2B | -859.4B | -1.3T | -1.4T | — | — | — | — | — |
| Fin CF | -3.3T | -15.6B | -20.0B | -3.8T | — | — | — | — | — |
No new 52-week low for 15 weeks, 3% above that low, but not back above a rising 50-day average.
Calmer than 79% of stocks we rank over the past year (volatility 27% 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 VCB.VN are excluded.
| Ticker | Company | Mkt Cap | Score |
|---|---|---|---|
| VCB.VN | Joint Stock Commercial Bank for Foreign Trade of Vietnam(you) | $17.6B | 43 |
| BID.VN | Joint Stock Commercial Bank for Investment and Development of Vietnam | $9.8B | 45 |
| CTG.VN | Vietnam Joint Stock Commercial Bank for Industry and Trade | $9.6B | 67 |
| STB.VN | Saigon Treasure Commercial Joint Stock Bank | $5.1B | 30 |
| LPB.VN | Fortune Vietnam Joint Stock Commercial Bank | $4.2B | 55 |
| SSB.VN | Southeast Asia Commercial Joint Stock Bank | $2.0B | 37 |
| TCB.VN | Vietnam Technological and Commercial Joint Stock Bank | $9.1B | 80 |
| VPB.VN | Vietnam Prosperity Joint Stock Commercial Bank | $8.5B | 79 |
| MBB.VN | Military Commercial Joint Stock Bank | $7.6B | 81 |
| ACB.VN | Asia Commercial Joint Stock Bank | $4.6B | 84 |
Peer medians: ROE 12.6% · P/E 10.7x · 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.