Stocktoria
Saigon Treasure Commercial Joint Stock Bank STB.VN
Saigon Treasure Commercial Joint Stock Bank (STB.VN) earns a Piotroski F-score of 5/9 (mixed financial health). It pays a dividend yielding 0.00% (safety: no dividend). FY2025 revenue was ₫36.04T at a 16.5% net margin.
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Analyst price target
Wall Street analyst consensus — a sentiment gauge, not our scoring.
How it ranks in Financial Services · percentile among 226 companies
Percentile vs other Financial Services companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 5/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
About Saigon Treasure 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; credit products, including overdraft, long term loan, small and medium sized enterprises installment lending, factoring, business auto loan, and fast loans SMEs; and bank guarantee, guarantee of import and export taxes, and domestic L/C. In addition, the company offers services comprising forex exchange, money transfer, remittance, and other services; card services; digital banking; trade finance, import and export services, and lookup tool; cash flow management; supply chain financing; and exchange rate and commodity future prices services. Further, it is involved in discount of commercial papers, bonds, and other valuable papers; providing settlement services; operating in monetary market; banking and financial consultancy; trading in government and corporate bonds; gold trading; asset preservation; cabin and safer renting; entrustment and trusteeship services; and brokerage and other banking services. Saigon Treasure Commercial Joint Stock Bank was formerly known as Saigon Thuong Tin Commercial Joint Stock Bank and changed its name to Saigon Treasure Commercial Joint Stock Bank in June 2026. The company was founded in 1991 and is headquartered in Ho Chi Minh City, Vietnam.
FAQ
Is STB.VN financially healthy?
Saigon Treasure Commercial Joint Stock Bank's Piotroski F-score is 5/9 (8–9 is excellent, 0–3 weak).
Does STB.VN pay a dividend, and is it safe?
Yes. Saigon Treasure Commercial Joint Stock Bank pays a dividend yielding about 0.00% with a None payout ratio, rated “no dividend” for safety.
How profitable is STB.VN?
In FY2025, Saigon Treasure Commercial Joint Stock Bank had a net margin of 16.5% and a return on equity of 9.9%.
Is STB.VN overvalued or undervalued?
Saigon Treasure Commercial Joint Stock Bank trades at about 23.0× trailing earnings — above its 10-year norm (10-year range 7.8×–20.0×, median 11.4×). Stocktoria reports the data, not buy/sell advice.
What is the analyst price target for STB.VN?
The average Wall-Street price target for Saigon Treasure Commercial Joint Stock Bank is ₫70,160.00, about 3.4% below the recent price, from 5 analysts (consensus: hold).
Is STB.VN a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on Saigon Treasure Commercial Joint Stock Bank: a Piotroski F-score of 5/9, a P/E of about 22.9×, a dividend yield of 0.00%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · VN · as of 2025-12-31. Figures in VND. Facts plus Stocktoria's own computed scores — not investment advice.