Stocktoria
Vietnam Technological and Commercial Joint Stock Bank TCB.VN
Vietnam Technological and Commercial Joint Stock Bank (TCB.VN) earns a Piotroski F-score of 4/9 (mixed financial health). It pays a dividend yielding 3.14% (safety: safe). FY2025 revenue was ₫52.32T at a 48.3% net margin.
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Analyst price target
Wall Street analyst consensus — a sentiment gauge, not our scoring.
How it ranks in Financial Services · percentile among 234 companies
Percentile vs other Financial Services companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 4/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
About Vietnam Technological and Commercial Joint Stock Bank
Vietnam Technological and Commercial Joint Stock Bank provides personal and corporate banking products and services in Vietnam and internationally. The company offers personal banking products and services, such as current accounts, foreign currency accounts, escrow account, and overdraft accounts; flexible and term deposits; certificates of deposit; car, home, and consumer loans; credit and debit cards; overseas money transfer and CDM services; and home, car, and health insurance, as well as group health insurance for business. It also provides corporate banking products and services comprising capital, trading custodial, and real estate custodial accounts; payment, collection, liquidity, deposit, and account management services; letter of credit; solution packages; working capital loans, medium and long-term loans, and supply chain financing; import, export, and domestic trade finance services; and digital banking services. In addition, the company offers foreign exchange services, including spot and forward trade, and foreign exchange swaps; corporate management services; bank guarantee; corporate bonds services; and interest rate derivatives, foreign exchange derivatives, and structured products, as well as ATM services. Further, it provides online and mobile banking services. The company operates through representative offices and transaction offices for individual, small enterprises, and large corporate customers, as well as investors. Vietnam Technological and Commercial Joint Stock Bank was incorporated in 1993 and is headquartered in Hanoi, Vietnam.
FAQ
Is TCB.VN financially healthy?
Vietnam Technological and Commercial Joint Stock Bank's Piotroski F-score is 4/9 (8–9 is excellent, 0–3 weak).
Does TCB.VN pay a dividend, and is it safe?
Yes. Vietnam Technological and Commercial Joint Stock Bank pays a dividend yielding about 3.14% with a 28.0% payout ratio, rated “safe” for safety.
How profitable is TCB.VN?
In FY2025, Vietnam Technological and Commercial Joint Stock Bank had a net margin of 48.3% and a return on equity of 14.9%.
Is TCB.VN overvalued or undervalued?
Vietnam Technological and Commercial Joint Stock Bank trades at about 8.9× trailing earnings — below its 10-year norm (10-year range 8.1×–13.6×, median 10.3×). Stocktoria reports the data, not buy/sell advice.
What is the analyst price target for TCB.VN?
The average Wall-Street price target for Vietnam Technological and Commercial Joint Stock Bank is ₫41,828.00, about 31.9% above the recent price, from 13 analysts (consensus: strong buy).
Is TCB.VN a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on Vietnam Technological and Commercial Joint Stock Bank: a Piotroski F-score of 4/9, a P/E of about 8.9×, a dividend yield of 3.14%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · VN · as of 2025-12-31. Figures in VND. Facts plus Stocktoria's own computed scores — not investment advice.