Saigon Thuong Tin Commercial Bank Past Earnings Performance
Past criteria checks 3/6
Saigon Thuong Tin Commercial Bank has been growing earnings at an average annual rate of 32.8%, while the Banks industry saw earnings growing at 23.3% annually. Revenues have been growing at an average rate of 14.3% per year. Saigon Thuong Tin Commercial Bank's return on equity is 16.7%, and it has net margins of 36.4%.
Key information
32.8%
Earnings growth rate
31.6%
EPS growth rate
Banks Industry Growth | 25.8% |
Revenue growth rate | 14.3% |
Return on equity | 16.7% |
Net Margin | 36.4% |
Last Earnings Update | 30 Jun 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
Date | Revenue | Earnings | G+A Expenses | R&D Expenses |
---|---|---|---|---|
30 Jun 24 | 24,144,535 | 8,776,822 | 8,393,386 | 0 |
31 Mar 24 | 22,877,209 | 8,525,109 | 8,393,386 | 0 |
31 Dec 23 | 22,478,736 | 7,718,616 | 8,018,418 | 0 |
30 Sep 23 | 20,821,700 | 8,207,085 | 5,309,883 | 0 |
30 Jun 23 | 20,350,682 | 7,784,100 | 5,309,883 | 0 |
31 Mar 23 | 18,637,547 | 6,407,891 | 8,184,755 | 0 |
31 Dec 22 | 17,259,633 | 4,486,407 | 7,548,812 | 0 |
30 Sep 22 | 16,229,737 | 3,763,965 | 7,812,697 | 0 |
30 Jun 22 | 14,849,185 | 3,192,086 | 7,812,697 | 0 |
31 Mar 22 | 15,004,152 | 3,039,749 | 7,104,780 | 0 |
31 Dec 21 | 14,253,017 | 3,006,766 | 6,664,980 | 0 |
30 Sep 21 | 15,665,772 | 3,264,565 | 7,091,028 | 0 |
30 Jun 21 | 15,939,677 | 3,341,097 | 7,091,028 | 0 |
31 Mar 21 | 14,500,009 | 2,516,018 | 7,283,261 | 0 |
31 Dec 20 | 14,295,841 | 2,251,264 | 6,350,597 | 0 |
30 Sep 20 | 12,702,238 | 1,630,775 | 6,201,617 | 0 |
30 Jun 20 | 12,560,942 | 1,686,384 | 6,201,617 | 0 |
31 Mar 20 | 12,821,640 | 2,194,795 | 6,568,094 | 0 |
31 Dec 19 | 12,465,196 | 2,036,103 | 6,010,221 | 0 |
30 Sep 19 | 12,468,260 | 3,230,938 | 6,680,644 | 0 |
30 Jun 19 | 11,368,959 | 2,622,249 | 6,680,644 | 0 |
31 Mar 19 | 10,920,523 | 2,606,334 | 6,226,824 | 0 |
31 Dec 18 | 10,063,707 | 1,408,740 | 5,758,075 | 0 |
30 Sep 18 | 9,000,400 | 1,253,076 | 5,356,971 | 0 |
30 Jun 18 | 8,816,399 | 1,397,178 | 5,356,971 | 0 |
31 Mar 18 | 8,315,254 | 1,449,614 | 4,519,914 | 0 |
31 Dec 17 | 8,032,183 | 1,000,199 | 4,108,589 | 0 |
30 Sep 17 | 7,074,724 | 1,139,170 | 4,144,413 | 0 |
30 Jun 17 | 6,678,683 | 982,059 | 4,144,413 | 0 |
31 Mar 17 | 6,082,549 | 184,745 | 3,779,341 | 0 |
31 Dec 16 | 5,776,979 | 63,213 | 3,528,561 | 0 |
30 Sep 16 | 4,225,221 | -1,388,546 | 4,915,251 | 0 |
30 Jun 16 | 4,511,387 | -1,050,807 | 4,915,251 | 0 |
31 Mar 16 | 5,248,744 | -762,864 | 3,508,360 | 0 |
31 Dec 15 | 5,499,108 | 647,919 | 3,191,118 | 0 |
30 Sep 15 | 7,481,115 | 1,874,049 | 2,969,894 | 0 |
30 Jun 15 | 7,332,308 | 1,993,762 | 2,969,894 | 0 |
31 Mar 15 | 7,411,269 | 2,078,254 | 3,002,504 | 0 |
31 Dec 14 | 7,286,900 | 1,918,393 | 2,864,982 | 0 |
30 Sep 14 | 7,302,215 | 2,283,404 | 1,398,767 | 0 |
30 Jun 14 | 7,345,780 | 2,184,501 | 1,398,767 | 0 |
31 Mar 14 | 6,965,569 | 3,254,278 | 3,378,454 | 0 |
31 Dec 13 | 7,166,672 | 2,229,109 | 2,534,205 | 0 |
Quality Earnings: STB has high quality earnings.
Growing Profit Margin: STB's current net profit margins (36.4%) are lower than last year (38.2%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: STB's earnings have grown significantly by 32.8% per year over the past 5 years.
Accelerating Growth: STB's earnings growth over the past year (12.8%) is below its 5-year average (32.8% per year).
Earnings vs Industry: STB earnings growth over the past year (12.8%) exceeded the Banks industry 5.8%.
Return on Equity
High ROE: STB's Return on Equity (16.7%) is considered low.