STB.VN Sai Gon Thuong Tin Commercial Joint Stock Bank

Financial Services Banks - Regional Vietnam Stocks
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67,800 VND
Close of Oct 29, 2026
45,950 79,000
Market cap
VND 128T
P/E
84.4x
P/B
2.04x
ROE
9.3%
Dividend yield
-
Fundamental score
1.5/5

Ratios use the latest price and the current fiscal year annualized from 2 quarters up to Jun 2026.

Is STB.VN undervalued?

Graham number
Price67,800
Graham value24,498
Premium176.8%

STB.VN trades 176.8% above its Graham number.

Graham number = √(22.5 × EPS × book value per share): the most a defensive investor should pay according to Benjamin Graham. An estimate, not a recommendation to buy or sell. How is it calculated?

Sai Gon Thuong Tin Commercial Joint Stock Bank fundamental analysis

5 of 18 checks passed

ROE 0/2

Low return on equity (9.3%), below 10%.

ROA 0/1

Return on assets (0.7%) is below the industry median (1.4%).

Profit Consistency 2/2

Profitable for 7 consecutive years.

Earnings Growth 5Y 1/1

Earnings per share grew over the past 5 years.

Earnings Acceleration 0/1

Last year's EPS growth (-41.1%) is not above the 5-year average (16.2% a year).

Earnings Growth vs Industry 0/1

Last year's EPS growth (-41.1%) is below the industry median (16.3%).

Revenue Growth 2/2

Revenue grew 32.1% a year over the past 3 years.

Leverage 1/2

Total assets are 14.2x equity, within a prudent level for a financial company.

Equity Growth 1/1

Shareholders' equity grew over the past 5 years.

PE vs Market 0/1

PE (84.4x) is above the market median (11.2x).

PE vs Industry 0/1

PE (84.4x) is above the industry median (7.8x).

PBV 0/1

Price to book (2.0x) is above the industry median (1.2x).

Graham Number 0/1

The price is above the Graham number (PE x PB = 172.3, limit 22.5).

PEG 0/1

PEG on 5-year earnings growth is 5.21, above 1.

Dividend Yield 0/2

No dividend paid in the last reported year.

Dividend Stability 0/2

Dividends were not paid steadily for the past 5 years.

Dividend Growth 0/1

Dividends paid did not grow over the past 5 years.

Payout Ratio 0/1

No dividend, or no profit to pay it from.

Each check is worth 1 or 2 points by how much it says about the quality of the company. The score is the share of points earned, out of 5. Ask AI to explain this score

Sai Gon Thuong Tin Commercial Joint Stock Bank stock price

Prices on the chart can differ slightly from the closing prices StockSummer uses for its ratios.

About Sai Gon Thuong Tin Commercial Joint Stock Bank

Saigon Treasure Commercial Joint Stock Bank provides banking products and services to individual and corporate clients. The company offers current, combo multi-benefit, social security combo, combo hi-tek, and savings accounts; credit, integrated, co-branded, debit, and prepaid cards; and general term and automatic deposits. It also provides business, vehicle, international education, home, and consumer loans; life, property, health, credit, and online insurance products; cr…

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