Stocktoria
Saigon Treasure Commercial Joint Stock Bank STB.VN
Saigon Treasure Commercial Joint Stock Bank statistics & valuation
Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value (₫47,441.55); a green figure means the price is below it.
Profitability & efficiency
Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).
P / E vs its own history
Saigon Treasure Commercial Joint Stock Bank trades at about 22.9× earnings — above its 10-year norm (10-year range 7.8×–20×, median 11.4×).
Shaded band = 10-year range (7.8×–20×); dot = today's 22.9×.
Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.
Key ratios (by fiscal year)
| Ratio | FY2025 | FY2024 | FY2023 | FY2022 |
|---|---|---|---|---|
| Net margin | 16.5% | 34.9% | 31.1% | 32.2% |
| FCF margin | 254.0% | 129.2% | 102.7% | 92.0% |
| Return on assets | 0.6% | 1.3% | 1.1% | 0.9% |
| Return on equity | 9.9% | 18.4% | 16.9% | 13.0% |
Computed from company filings · VN · as of 2025-12-31. Figures in VND. Facts plus Stocktoria's own computed scores — not investment advice.