TP
TPB.HM
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—
Banks
Tien Phong Commercial Joint Stock Bank
Last 30 days
1D5D1M3M6MYTD1Y5YMax
Live price chart loads from the market-data widget.
Mcap
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P/E
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EV / Rev
—
Div yield
5,86 %
Op margin
—
ROE
17,5 %
Net margin
55,4 %
Debt / equity
2,32
Beta
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52w range
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Volume
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Day range
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Prev close
$74,61
Open
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Next earnings
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Ex-dividend
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TR 1Y
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About
Tien Phong Commercial Joint Stock Bank provides a range of banking services, including deposits, loans, and wealth management, primarily in Vietnam.
Business. Tien Phong Commercial Joint Stock Bank (TPB.HM) is a banking institution operating within the Financials sector, specifically engaged in providing banking and investment services. The company generates revenue primarily through interest income, consistent with standard banking industry models. Specific details regarding its operating segments, headquarters location, and primary stock exchange listing are not provided in the available data. Consequently, the company is described at the industry level without further geographic or segmental breakdown.
Classification92 %
SectorFinancials
Business sectorBanking & Investment Services
IndustryBanks
Generated · model-assisted
Sell-side consensus
BUY4 analysts
4 buy0 hold0 sell
Avg 12m price target19 575,00
Analyst recommendations
4 analysts · consensus BuyBuy4
Hold0
Sell0
12-month price target
19 575,00
Consensus of sell-side coverage.
At a glance
Score
—
not yet scored
Valuation
—
valuation pending
Analysts→
Buy
4 analysts · indicative
Ownership→
First Trust Advisors L.P.
largest disclosed fund holder
Profitability→
17,5 %
return on equity
Quality
—
not yet scored
What drives this business
The watch-list the newsroom runs for this company — derived from its sector path, sharpened layer by layer. Not investment advice.
— missing data
News & coverage
0Sector rotation
Sector1D1Mvs mkt
Materials+2,3 %+6,6 %+1,7 %
Communication Services+2,2 %−5,5 %+1,6 %
Energy+0,6 %+3,3 %+0,0 %
Health Care+0,6 %−0,8 %+0,0 %
Information Technology+0,6 %+6,7 %+0,0 %
Consumer Discretionary+0,4 %+7,6 %−0,2 %
Financials · THIS SECTOR−0,3 %−2,8 %−0,9 %
Consumer Staples−0,4 %+2,5 %−1,0 %
Real Estate−0,7 %+10,9 %−1,3 %
Industrials−1,9 %−3,1 %−2,5 %
Utilities−1,9 %+28,2 %−2,5 %
Developing storylines
No tracked sagas currently linked to TPB.HM. Browse all sagas →
Analysis
AI analysis
Generated · analysis pipeline · tier hybrid · as of 2026-08-04
↑ At a glance
Opportunity
— missing data
Upcoming catalysts
Scheduled public events. Informational only — not investment advice.
- Peers
- DividendDividend USD 1.75/sh2026-09-25 · Bank of America (BAC)
- EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · JPMorgan Chase (JPM)
- EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · Citigroup (C)
- Macro
- Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
- Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
- Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
- Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
- Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
- Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
- Macro & political
- ElectionSE Swedish Election2026-09-14 · SE
- ElectionUS U.S. Midterms2026-11-03 · US
- ElectionFR French Legislative2027-06-01 · FR
Pre-earnings brief
— missing data
Signals & dispatch
peak dispatch · —
Composite-score breakdown
Synthesis
Business
Tien Phong Commercial Joint Stock Bank (TPB.HM) is a banking institution operating within the Financials sector, specifically engaged in providing banking and investment services. The company generates revenue primarily through interest income, consistent with standard banking industry models. Specific details regarding its operating segments, headquarters location, and primary stock exchange listing are not provided in the available data. Consequently, the company is described at the industry level without further geographic or segmental breakdown.
Classification92 %
SectorFinancials
Business sectorBanking & Investment Services
IndustryBanks
AI synthesis
GENERATEDTien Phong Commercial Joint Stock Bank has a debt-to-equity ratio of 2.32, indicating a relatively high level of leverage. The bank's liquidity is assessed as medium, and its free cash flow of 4,724,507,000,000 VND suggests it has some capacity to fund operations and investments without external financing. However, the bank's net cash is negative after subtracting total debt, signaling potential liquidity constraints.
The bank's profitability is reflected in its return on equity of 17.5% and return on assets of 1.46%. These figures suggest that the bank is generating a strong return for its shareholders but a relatively modest return on its total assets. In comparison to industry benchmarks, the bank's performance is in line with or slightly above the median for its sector, indicating a stable but not exceptional profitability profile.
Tien Phong Commercial Joint Stock Bank's revenue is primarily concentrated in Vietnam, with no significant international operations disclosed. The bank's exposure to domestic economic conditions and regulatory changes in Vietnam is a key factor in its risk profile. The bank does not disclose specific segment revenues, but its operations are primarily focused on retail and corporate banking.
The bank's growth trajectory is supported by its current revenue of 13,371,161,000,000 VND and net income of 7,402,000,000,000 VND. Analysts have provided a mean price target of 19,575.00 VND, with a median of 19,350.00 VND, indicating a generally positive outlook for the stock. The bank's capital expenditure of -384,439,000,000 VND suggests that it is not currently investing heavily in new projects or infrastructure.
The bank's risk assessment indicates a low potential for dilution, with no significant dilution sources identified in the latest filings. However, the bank's high leverage and negative net cash position pose liquidity risks that could affect its ability to meet short-term obligations. The bank's risk profile is further influenced by its exposure to the Vietnamese banking sector, which is subject to regulatory and economic volatility.
Recent events and filings do not indicate any major changes in the bank's operations or strategic direction. The bank continues to operate within its core markets and has not disclosed any significant new initiatives or partnerships. Analysts have provided a mean recommendation of 1.50, with two strong-buy and two buy ratings, suggesting a generally positive sentiment among market participants.
Key takeaways
- Tien Phong Commercial Joint Stock Bank has a strong return on equity of 17.5%, indicating effective use of shareholder capital.
- The bank's debt-to-equity ratio of 2.32 suggests a high level of leverage, which could increase financial risk.
- Analysts have provided a generally positive outlook, with a mean price target of 19,575.00 VND and a median of 19,350.00 VND.
- The bank's liquidity is assessed as medium, and its free cash flow of 4,724,507,000,000 VND provides some financial flexibility.
- The bank's operations are primarily concentrated in Vietnam, making it vulnerable to domestic economic and regulatory changes.
- The bank's capital expenditure is negative, indicating no significant investment in new projects or infrastructure.
Bull / Bear case
Generated · model-assisted— missing data
In focus — financials by report
Valuation
Market price
$15 550,00
Market cap
—
Enterprise valueⓘ
—
P/Eⓘ
—
Non-GAAP P/Eⓘ
—
EV / Revenueⓘ
—
EV / Op incomeⓘ
—
EV / OCFⓘ
—
P / Bⓘ
—
P / Tangible bookⓘ
—
Tangible book
$42.31T
Net cashⓘ
-$98.31T
Current ratioⓘ
—
Debt / equityⓘ
2.3
ROAⓘ
1.5%
ROEⓘ
17.5%
Cash conversionⓘ
354.0%
CapEx / revenueⓘ
-2.9%
SBC / revenueⓘ
—
Dilution ratioⓘ
0.0%
Revenue by segment
Business relationships
— missing data
Supply chain
— missing data
Peer comparison
— missing data
Market position
Stress test
— missing data
Predictor forecast
Next quarternear-term
Earnings · next quarterconf 45 %
EPS
Consensus EPS
2 992,25
Predicted surprise
+0,00
Beat probability
45 %
Analysts
4
Other metrics
Revenue
—
no estimate
Segment revenue
—
no estimate
Margin
—
no estimate
Segment margin
—
no estimate
as of 2026-05-25 · Earnings Surprise V1
Period note: consensus is not fiscal-period-aligned at source — read as consensus vs the last reported actual, not a calibrated same-quarter surprise.
Full fiscal year~1 year ahead
Full fiscal year · our forecast vs guidance vs consensus
| Metric | Our forecast | Guidance | Consensus |
|---|---|---|---|
| EPS | —no estimate | —no estimate | 2 992,25 |
| Revenue | —no estimate | —no estimate | 21,40T VND |
| Operating income | —no estimate | —no estimate | 15,97T VND |
Full-year consensus mean (period as reported by source) · consensus in VND. Company-level full-year forecast and management guidance are not yet modelled at scale — shown as "no estimate", never inferred.
Probabilistic model output — not investment advice. · generated 2026-08-04
Options
— missing data
Short squeeze
— missing data
Earnings-call key lines
— missing data
Consensus distribution
sell-side coverageRecommendation distribution4 analysts
Strong buy2
Buy2
Hold0
Sell0
Strong sell0
12-month price target$19 575,00 · Median $19 350,00
Low $18 600,00High $21 000,00
Operating income · consensus15,97T VND
EPS surprise
−10,8 %
reported vs consensus · miss
Revenue surprise
−18,1 %
reported vs consensus · miss
Estimate revisions
consensus EPS · 26-week trend— missing data
Sell-side observations
Low$18 600,00
Mean$19 575,00
Median$19 350,00
High$21 000,00
Spot$15 550,00
+25.9 %implied to mean12-month sell-side price targets · ▲ spot
Themes
— missing data
ESG
— missing data
Risk factors
Dilution riskLow
Liquidity riskMedium
Filing-based flags
- Net cash is negative after subtracting total debt.
Benchmarks vs cohort
Net Margin55,4 %Above P75
ROE17,5 %Best in class
Capex / Rev-2,9 %Above median
D/E2,32Bottom quartile
Cash Conv3,54Best in class
Corporate actions / M&A
— missing data
FX exposure
— missing data
Comparable transactions
— missing data
Derivatives & instruments
Derivative transactions
Net acquired 194 871 sh5 exercises3 insiders
- Director, Executive Chairman · Forward contract → Common StockAcquired 78 000other · 2025-12-19
- Director, Executive Chairman · Forward contract → Common StockAcquired 78 000other · 2025-12-19
- Director, Executive Chairman · Options → Common StockDisposed 77 519 @ $20,71exercise · 2025-12-19
- Director, President and CEO · Forward contract → Common StockAcquired 140 140other · 2025-12-08
- Sr VP, General Counsel · Options → Common StockDisposed 10 000 @ $13,00exercise · 2025-11-19
- Sr VP, General Counsel · Options → Common StockDisposed 6 000 @ $14,85exercise · 2025-11-19
- Sr VP, General Counsel · Options → Common StockDisposed 4 500 @ $21,21exercise · 2025-11-19
- Sr VP, General Counsel · Options → Common StockDisposed 3 250 @ $15,41exercise · 2025-11-19
Actions
Ask Handelsavisen
— missing data
Data sources
- Market data
- Market data cache
- Issuer disclosures
- Public news
- Earnings transcripts
- Consensus estimates
- ESG data
How metrics are computed
- Dilution Ratio(shares_outstanding_diluted - shares_outstanding_basic) / shares_outstanding_basic
- Net Cashcash_and_equivalents + short_term_investments - short_term_debt - long_term_debt
- Capex To Revenuecapital_expenditure / revenue
- Return On Equitynet_income / total_equity
- Debt To Equity(short_term_debt + long_term_debt) / total_equity
- Cash Conversion Ratiooperating_cash_flow / net_income
Source documents
- Tien Phong Commercial Joint Stock Bank Market data — financials · 2026-05-29
- Tien Phong Commercial Joint Stock Bank Market data — analyst estimates · 2026-05-29
Ownership & reference
Top holders
- Investment Managers · as of 2026-03-310,04 %$60M
- Investment Managers · as of 2026-03-310,02 %$0M
- Investment Managers · as of 2026-03-310,02 %$32M
- Investment Managers · as of 2026-03-310,01 %$39M
- Investment Managers · as of 2026-03-310,00 %$20M
- Investment Managers · as of 2026-03-310,00 %$52M
- Investment Managers · as of 2024-12-310,00 %$11M
- Investment Managers · as of 2026-03-310,00 %$0M
- Investment Managers · as of 2026-03-310,00 %$5M
- Institutional Investor · as of 2026-03-310,00 %$46M
- Investment Managers · as of 2025-12-310,00 %$157M
- Investment Managers · as of 2026-03-310,00 %$16M
- Investment Managers · as of 2026-03-310,00 %$3M
- Investment Managers · as of 2026-03-310,00 %$13M
- Investment Managers · as of 2026-03-310,00 %$15M
- Institutional Investor · as of 2026-03-310,00 %$7M
- Investment Managers · as of 2026-03-310,00 %$33M
- Investment Managers · as of 2024-06-300,00 %$49M
- Investment Managers · as of 2026-03-310,00 %$6M
- Investment Managers · as of 2026-03-310,00 %$2M
- Investment Managers · as of 2026-03-310,00 %$2M
- Investment Managers · as of 2026-03-310,00 %$10M
- Funds · as of 2026-03-310,00 %$4M
- Institutional Investor · as of 2026-03-310,00 %$2M
- Institutional Investor · as of 2022-09-300,00 %$0M
- Institutional Investor · as of 2026-03-310,00 %$1M
- Investment Managers · as of 2026-03-310,00 %$1M
- Brokerage Firms · as of 2026-03-310,00 %$1M
- Brokerage Firms · as of 2026-03-310,00 %$1M
- Investment Managers · as of 2026-03-310,00 %$0M
- Investment Managers · as of 2026-03-310,00 %$0M
- Institutional Investor · as of 2026-03-310,00 %$0M
Insider activity
Net selling0 buys · 11 sellsnet -$5,7M13 insiders · last 365d
- Sr VP Finance & CAO · Common StockSold 4 000 @ $91,67$367K · 2026-05-12
- Director · Common StockOther 1 295 @ $92,71$120K · 2026-05-11
- Director · Common StockOther 1 295 @ $92,71$120K · 2026-05-11
- Director · Common StockOther 1 295 @ $92,71$120K · 2026-05-11
- Director · Common StockOther 1 295 @ $92,71$120K · 2026-05-11
- Director · Common StockOther 1 295 @ $92,71$120K · 2026-05-11
- Director · Common StockOther 1 295 @ $92,71$120K · 2026-05-11
- Director · Common StockOther 1 295 @ $92,71$120K · 2026-05-11
- Director · Common StockOther 1 295 @ $92,71$120K · 2026-05-11
- Director, President and CEO · Common StockOther 8 638 @ $86,83$750K · 2026-03-24
- Chief Financial Officer · Common StockSold 2 000 @ $97,57$195K · 2026-03-04
- Director, President and CEO · Common StockOther 4 535 @ $107,57$488K · 2026-03-03
- Sr VP Finance & CAO · Common StockOther 2 041 @ $107,57$220K · 2026-03-03
- Director, Executive Chairman · Common StockOther 4 535 @ $107,57$488K · 2026-03-03
- Sr VP, General Counsel · Common StockOther 2 181 @ $107,57$235K · 2026-03-03
- Chief Financial Officer · Common StockOther 2 721 @ $107,57$293K · 2026-03-03
- Sr VP Finance & CAO · Common StockOther 1 398 @ $100,65$141K · 2026-03-02
- Director, President and CEO · Common StockOther 5 181 @ $108,51$562K · 2026-03-02
- Director, President and CEO · Common StockOther 667 @ $108,51$72K · 2026-03-02
- Director, President and CEO · Common StockOther 6 787 @ $108,51$736K · 2026-03-02
- Director, President and CEO · Common StockOther 2 559 @ $108,51$278K · 2026-03-02
- Director, President and CEO · Common StockOther 25 686 @ $99,28$2,6M · 2026-03-02
- Director, President and CEO · Common StockOther 8 290 @ $99,28$823K · 2026-03-02
- Sr VP, General Counsel · Common StockOther 4 782 @ $108,51$519K · 2026-03-02
- Sr VP, General Counsel · Common StockOther 668 @ $108,51$72K · 2026-03-02
Short positioning
2.5Mshares short-2.3% vs prior
8.44days to cover
72.7%short of daily vol
12.1Kfails-to-deliver
as of 2026-07-15 · short-interest report (free)
Geographic breakdown
— missing data
Listings · one canonical issuer
all listings resolve to the canonical
TPB.HMCanonical
— · USD
Intel & risk
peak dispatch · —
OSINT findings
Dilution riskLow
Liquidity riskMedium
Net cash is negative after subtracting total debt.
Relationship graph
This companyPeerSector
Evidence & claims
From filings & derived data- Return on assets (FY 2025-12-31): 7.6%Derived (calculated)
- Cash & equivalents (YoY) (2025-12-31 vs 2024-12-31): 355.2%Derived (calculated)
- Capex (YoY) (2025-12-31 vs 2024-12-31): 192.6%Derived (calculated)
- EPS (basic) (YoY) (2025-12-31 vs 2024-12-31): 42.0%Derived (calculated)
- Current ratio (FY 2025-12-31): 5.56xDerived (calculated)
- EPS (diluted) (YoY) (2025-12-31 vs 2024-12-31): 45.3%Derived (calculated)
- Gross profit (YoY) (2025-12-31 vs 2024-12-31): 31.1%Derived (calculated)
- Long-term debt (YoY) (2025-12-31 vs 2024-12-31): 18.1%Derived (calculated)
- Net income (YoY) (2025-12-31 vs 2024-12-31): 46.1%Derived (calculated)
- Operating cash flow (YoY) (2025-12-31 vs 2024-12-31): -14.4%Derived (calculated)
- Operating income (YoY) (2025-12-31 vs 2024-12-31): 17.9%Derived (calculated)
- R&D expense (YoY) (2025-12-31 vs 2024-12-31): -30.8%Derived (calculated)
- Total assets (YoY) (2025-12-31 vs 2024-12-31): 54.8%Derived (calculated)
- Total liabilities (YoY) (2025-12-31 vs 2024-12-31): 29.3%Derived (calculated)
- Cost of revenue (YoY) (2025-12-31 vs 2024-12-31): 24.9%Derived (calculated)
- R&D expense (annual): USD 900KSEC XBRL filing
- Total liabilities (annual): USD 391.77MSEC XBRL filing
- Gross profit (annual): USD 264.31MSEC XBRL filing
- Cash & equivalents (annual): USD 222.76MSEC XBRL filing
- Capex (annual): USD 13.53MSEC XBRL filing
- Net income (annual): USD 58.16MSEC XBRL filing
- Current assets (annual): USD 417.15MSEC XBRL filing
- Long-term debt (annual): USD 293.62MSEC XBRL filing
- Operating income (annual): USD 95.33MSEC XBRL filing
Showing 24 of 49 surfaced claims.
Atomic claims from regulatory filings and derived calculations. Provenance shown as source kind only.
The Thread
Everything we know, in order2026-08-04 00:00 UTCTRANSCRIPTEarnings call — Q3 2026
2026-08-04EVENTUpcomingQ2 2026 earnings (expected) estimated date
2026-07-06 08:42 UTCNEWSKPMG probe upgraded to formal investigation as regulator faces bias scrutiny → The Tax Practitioners Board has escalated its review of KPMG, intensifying pressure on the firm amid concerns over the board's independence and its chair's ties to the auditor.
2026-06-30 03:38 UTCEARNINGSUpcomingForecast: earnings_forecast (90d)
2026-05-12 00:00 UTCINSIDER9 insider transactions — 2026-05 · net buy $594k
2026-05-12INSIDERWigginton Brian sold 4.0k sh — Sr VP Finance & CAO ~$367k
2026-05-11INSIDERDiao H.C. Charles transacted 1.3k sh — Director ~$120k
2026-05-11INSIDERReddy Rohith transacted 1.3k sh — Director ~$120k
2026-05-11INSIDERWexler Lawrence transacted 1.3k sh — Director ~$120k
2026-05-11INSIDERShanahan Kathleen M transacted 1.3k sh — Director ~$120k
2026-05-11INSIDERUsher Stephen transacted 1.3k sh — Director ~$120k
2026-05-11INSIDERFrushone Ashley Davis transacted 1.3k sh — Director ~$120k
2026-05-11INSIDERCatsimatidis John A. Jr transacted 1.3k sh — Director ~$120k
2026-05-11INSIDERBaxter Gregory H.A. transacted 1.3k sh — Director ~$120k
2026-03-24 00:00 UTCINSIDER39 insider transactions — 2026-03 · net buy $11.0M
2026-03-24INSIDERPurdy Graham transacted 8.6k sh — Director, President and CEO ~$750k
2026-03-04INSIDERFlynn Andrew sold 2.0k sh — Chief Financial Officer ~$195k
2026-03-03INSIDERPurdy Graham transacted 4.5k sh — Director, President and CEO ~$488k
2026-03-03INSIDERWigginton Brian transacted 2.0k sh — Sr VP Finance & CAO ~$220k
2026-03-03INSIDERGlazek David Edward transacted 4.5k sh — Director, Executive Chairman ~$488k
2026-03-03INSIDERCushman Brittani transacted 2.2k sh — Sr VP, General Counsel ~$235k
2026-03-03INSIDERFlynn Andrew transacted 2.7k sh — Chief Financial Officer ~$293k
2026-03-02INSIDERWigginton Brian transacted 1.4k sh — Sr VP Finance & CAO ~$141k
2026-03-02INSIDERPurdy Graham transacted 5.2k sh — Director, President and CEO ~$562k
2026-03-02INSIDERPurdy Graham transacted 667 sh — Director, President and CEO ~$72k
2026-03-02INSIDERPurdy Graham transacted 6.8k sh — Director, President and CEO ~$736k
2026-03-02INSIDERPurdy Graham transacted 2.6k sh — Director, President and CEO ~$278k
2026-03-02INSIDERPurdy Graham transacted 25.7k sh — Director, President and CEO ~$2.55M
2026-03-02INSIDERPurdy Graham transacted 8.3k sh — Director, President and CEO ~$823k
2026-03-02INSIDERCushman Brittani transacted 4.8k sh — Sr VP, General Counsel ~$519k
2026-03-02INSIDERCushman Brittani transacted 668 sh — Sr VP, General Counsel ~$72k
2026-01-02 00:00 UTCINSIDER4 insider transactions — 2026-01 · net sell $131k
2025-12-26 00:00 UTCINSIDER8 insider transactions — 2025-12 · net sell $2.9M 4 derivative
2025-12-19INSIDERGlazek David Edward acquired 78.0k sh Forward contract — Director, Executive Chairman
Showing the 40 most recent of 53 entries.
The entity's full life in the product — typed, chronological, joined across Newspaper, Platform and Data. Our memory, made visible.
Sources filings · IR · transcripts · market data · tier hybrid · as of 2026-08-04
Market data · Issuer disclosures · Public news · Earnings transcripts · Consensus estimates · ESG data
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