Saigon Thuong Tin Commercial Joint Stock Bank

HOSE:STB Stock Report

Market Cap: ₫57.7t

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 25.1% annually. Revenues have been growing at an average rate of 13.8% per year. Saigon Thuong Tin Commercial Bank's return on equity is 16.6%, and it has net margins of 43.6%.

Key information

32.9%

Earnings growth rate

31.7%

EPS growth rate

Banks Industry Growth25.8%
Revenue growth rate13.8%
Return on equity16.6%
Net Margin43.6%
Last Earnings Update31 Mar 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
31 Mar 2422,877,2109,982,1058,039,0880
31 Dec 2322,478,7367,718,6168,018,4180
30 Sep 2320,815,5508,353,6535,280,5740
30 Jun 2320,344,5327,930,6685,280,5740
31 Mar 2318,637,5467,766,0675,447,7200
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
30 Sep 135,915,8831,074,6863,221,6500

Quality Earnings: STB has high quality earnings.

Growing Profit Margin: STB's current net profit margins (43.6%) are higher than last year (41.7%).


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 (28.5%) is below its 5-year average (32.9% per year).

Earnings vs Industry: STB earnings growth over the past year (28.5%) exceeded the Banks industry 2.4%.


Return on Equity

High ROE: STB's Return on Equity (16.6%) is considered low.


Return on Assets


Return on Capital Employed


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