Saigon Thuong Tin Commercial Joint Stock Bank

HOSE:STB Stock Report

Market Cap: ₫63.8t

Saigon Thuong Tin Commercial Bank Past Earnings Performance

Past criteria checks 4/6

Saigon Thuong Tin Commercial Bank has been growing earnings at an average annual rate of 32.9%, while the Banks industry saw earnings growing at 23.2% annually. Revenues have been growing at an average rate of 14.8% per year. Saigon Thuong Tin Commercial Bank's return on equity is 17.1%, and it has net margins of 35.6%.

Key information

32.9%

Earnings growth rate

31.8%

EPS growth rate

Banks Industry Growth25.8%
Revenue growth rate14.8%
Return on equity17.1%
Net Margin35.6%
Last Earnings Update30 Sep 2024

Recent past performance updates

Recent updates

Revenue & Expenses Breakdown

How Saigon Thuong Tin Commercial Bank makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

HOSE:STB Revenue, expenses and earnings (VND Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Sep 2425,083,6198,920,4208,830,4880
30 Jun 2424,144,5358,353,8398,830,4880
31 Mar 2422,877,2098,525,1098,393,3860
31 Dec 2322,478,7367,718,6168,018,4180
30 Sep 2320,821,7006,995,4778,017,6090
30 Jun 2320,350,6826,572,4928,017,6090
31 Mar 2318,637,5476,407,8918,184,7550
31 Dec 2217,259,6334,486,4077,548,8120
30 Sep 2216,229,7373,763,9657,812,6970
30 Jun 2214,849,1853,192,0867,812,6970
31 Mar 2215,004,1523,039,7497,104,7800
31 Dec 2114,253,0173,006,7666,664,9800
30 Sep 2115,665,7723,264,5657,091,0280
30 Jun 2115,939,6773,341,0977,091,0280
31 Mar 2114,500,0092,516,0187,283,2610
31 Dec 2014,295,8412,251,2646,350,5970
30 Sep 2012,702,2381,630,7756,201,6170
30 Jun 2012,560,9421,686,3846,201,6170
31 Mar 2012,821,6402,194,7956,568,0940
31 Dec 1912,465,1962,036,1036,010,2210
30 Sep 1912,468,2603,230,9386,680,6440
30 Jun 1911,368,9592,622,2496,680,6440
31 Mar 1910,920,5232,606,3346,226,8240
31 Dec 1810,063,7071,408,7405,758,0750
30 Sep 189,000,4001,253,0765,356,9710
30 Jun 188,816,3991,397,1785,356,9710
31 Mar 188,315,2541,449,6144,519,9140
31 Dec 178,032,1831,000,1994,108,5890
30 Sep 177,074,7241,139,1704,144,4130
30 Jun 176,678,683982,0594,144,4130
31 Mar 176,082,549184,7453,779,3410
31 Dec 165,776,97963,2133,528,5610
30 Sep 164,225,221-1,388,5464,915,2510
30 Jun 164,511,387-1,050,8074,915,2510
31 Mar 165,248,744-762,8643,508,3600
31 Dec 155,499,108647,9193,191,1180
30 Sep 157,481,1151,874,0492,969,8940
30 Jun 157,332,3081,993,7622,969,8940
31 Mar 157,411,2692,078,2543,002,5040
31 Dec 147,286,9001,918,3932,864,9820
30 Sep 147,302,2152,283,4041,398,7670
30 Jun 147,345,7802,184,5011,398,7670
31 Mar 146,965,5693,254,2783,378,4540
31 Dec 137,166,6722,229,1092,534,2050

Quality Earnings: STB has high quality earnings.

Growing Profit Margin: STB's current net profit margins (35.6%) are higher than last year (33.6%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: STB's earnings have grown significantly by 32.9% per year over the past 5 years.

Accelerating Growth: STB's earnings growth over the past year (27.5%) is below its 5-year average (32.9% per year).

Earnings vs Industry: STB earnings growth over the past year (27.5%) exceeded the Banks industry 27.5%.

Return on Equity

High ROE: STB's Return on Equity (17.1%) is considered low.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/21 13:23
End of Day Share Price 2024/12/20 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

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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. 5 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