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Saigon Thuong Tin Commercial Bank HOSE:STB Stock Report

Last Price

₫35.95k

Market Cap

₫67.4t

7D

1.8%

1Y

18.8%

Updated

20 Jan, 2025

Data

Company Financials +

Saigon Thuong Tin Commercial Joint Stock Bank

HOSE:STB Stock Report

Market Cap: ₫67.4t

STB Stock Overview

Provides various banking products and services to individual and corporate clients. More details

STB fundamental analysis
Snowflake Score
Valuation5/6
Future Growth6/6
Past Performance4/6
Financial Health4/6
Dividends0/6

Rewards

Trading at 40.9% below our estimate of its fair value

Earnings are forecast to grow 25.04% per year

Earnings grew by 27.5% over the past year

Trading at good value compared to peers and industry

Risk Analysis

No risks detected for STB from our risk checks.

My Notes

Capture your thoughts, links and company narrative

Saigon Thuong Tin Commercial Joint Stock Bank Competitors

Ho Chi Minh City Development Commercial Bank

HOSE:HDB

₫80.3t

Vietnam International Commercial Bank

HOSE:VIB

₫59.9t

Asia Commercial Bank

HOSE:ACB

₫111.7t

Southeast Asia Commercial Bank

HOSE:SSB

₫51.0t

Price History & Performance

Summary of share price highs, lows and changes for Saigon Thuong Tin Commercial Bank
Historical stock prices
Current Share Price₫35,950.00
52 Week High₫37,850.00
52 Week Low₫26,150.00
Beta1.19
1 Month Change6.20%
3 Month Change2.71%
1 Year Change18.84%
3 Year Change7.96%
5 Year Change229.82%
Change since IPO-48.14%

Recent News & Updates

Recent updates

Shareholder Returns

STBVN BanksVN Market
7D1.8%1.5%1.6%
1Y18.8%7.3%4.9%

Return vs Industry: STB exceeded the VN Banks industry which returned 7.3% over the past year.

Return vs Market: STB exceeded the VN Market which returned 4.9% over the past year.

Price Volatility

Is STB's price volatile compared to industry and market?
STB volatility
STB Average Weekly Movement4.0%
Banks Industry Average Movement2.6%
Market Average Movement3.7%
10% most volatile stocks in VN Market7.2%
10% least volatile stocks in VN Market2.1%

Stable Share Price: STB has not had significant price volatility in the past 3 months compared to the VN market.

Volatility Over Time: STB's weekly volatility (4%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
199118,215Diem Duc Nguyenwww.sacombank.com.vn

Saigon Thuong Tin Commercial Joint Stock Bank provides various banking products and services to individual and corporate clients. The company offers current and savings accounts, and term deposits; business, consumer, unsecured, and special loans, as well as SME loans and current account overdrafts; foreign exchange and structured, transfer, remittance, retail bond, and other services; life and non-life insurance; business accounts and services; and cash management services. It also provides supply chain financing and international settlement services; Internet and mobile banking services; debit and credit cards; hedging and investment solutions; FDI customer; and guarantee services.

Saigon Thuong Tin Commercial Joint Stock Bank Fundamentals Summary

How do Saigon Thuong Tin Commercial Bank's earnings and revenue compare to its market cap?
STB fundamental statistics
Market cap₫67.40t
Earnings (TTM)₫8.92t
Revenue (TTM)₫25.08t

7.6x

P/E Ratio

1.3x

P/B Ratio

Is STB overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
STB income statement (TTM)
Revenue₫25.08t
Cost of Revenue₫0
Gross Profit₫25.08t
Other Expenses₫16.16t
Earnings₫8.92t

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)4.73k
Gross Margin100.00%
Net Profit Margin35.56%
Debt/Equity Ratio77.3%

How did STB perform over the long term?

See historical performance and comparison

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/01/20 15:01
End of Day Share Price 2025/01/20 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Saigon Thuong Tin Commercial Joint Stock Bank is covered by 13 analysts. 3 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Hoang NguyenBao Viet Securities Joint Stock Company
Hoa LeBao Viet Securities Joint Stock Company
Trong QuanCGS International