Orient Commercial Joint Stock Bank (HOSE:OCB)

Vietnam · Delayed Price · Currency is VND

10,600

+450 (4.43%)

At close: Nov 3, 2026

HOSE:OCB Financials Overview

Financials in millions VND. Fiscal year is January - December.

Millions VND. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Revenue	10,044,086	9,224,991	7,810,057	7,310,901	7,466,110	7,921,477
Revenue Growth	11.28%	18.12%	6.83%	-2.08%	-5.75%	17.36%
Net Income	4,506,247	3,977,599	3,143,027	3,265,221	3,469,879	4,362,471
Earnings Per Share	1488.45	1298.80	1026.29	1066.19	1133.02	1424.48
EPS Growth	18.11%	26.55%	-3.74%	-5.90%	-20.46%	13.80%

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Investments	77,759,837	54,251,202	39,710,325	33,125,122	19,722,571	26,535,785
Total Debt	80,652,598	78,831,397	54,988,623	46,073,149	40,357,645	39,726,947
Net Cash (Debt)	-2,892,761	-24,580,195	-15,278,299	-12,948,027	-20,635,074	-13,191,162
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share	-955.50	-8026.16	-4988.82	-4227.91	-6737.96	-4307.30

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Operating Cash Flow	-7,882,066	-259,547	-28,199,229	-15,508,496	4,282,549	-15,009,714
Capital Expenditures	-216,292	-532,727	-278,200	-381,840	-3,134,727	-125,359
Free Cash Flow	-8,098,358	-792,274	-28,477,429	-15,890,336	1,147,823	-15,135,074
Free Cash Flow Growth	-	-	-	-	-	-

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Profit Margin	44.87%	43.12%	40.24%	44.66%	46.48%	55.07%
FCF Margin	-80.63%	-8.59%	-364.63%	-217.35%	15.37%	-191.06%

Dividends

Fiscal Year	Current	FY 2025	FY 2024
Period Ending	Nov '26 Nov 3, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024
Dividend Per Share	563.607	-	563.607
Dividend Per Share Growth	-	-	-
Dividend Yield	5.32%	-	6.14%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Nov '26 Nov 3, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
PE Ratio	7.12	8.00	8.94	8.37	7.11	8.57
Forward PE	6.34	7.42	6.19	5.74	5.70	7.96
P/FCF Ratio	-	-	-	-	21.48	-
PS Ratio	3.23	3.45	3.60	3.74	3.30	4.72