Saigon Thuong Tin Commercial Joint Stock Bank (STB) Fair Value & Analysis
Financial Services · VN · Market cap 136T VND
Fair value as of: Jun 26, 2026
From 19 valuation models · updated 3 days ago
Share price +10.1% over the past month.
Price vs Fair Value (12 months)
12‑month range 44,342 VND – 74,032 VND · fair‑value band 47,255 VND – 78,759 VND · the 72,200 VND price screens above the 63,007 VND fair value. As of Jun 26, 2026.
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Saigon Thuong Tin Commercial Joint Stock Bank (STB) currently trades at 72,200 VND, while our model-based Fair Value estimate is 63,007 VND — implying the stock looks roughly 12.7% overvalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).
Over the trailing twelve months, Saigon Thuong Tin Commercial Joint Stock Bank generated revenue of 18.6T VND at a net margin of 24.9%. Revenue declined 27.5% year over year. It earns a return on equity of 7.8%. Fundamentals as of Jun 26, 2026
Key figures & financial health
More key figures
Figures from reported company fundamentals (EODHD) · as of Jun 26, 2026. TTM = trailing twelve months.
About the company
Saigon Thuong Tin 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 comm…
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Saigon Thuong Tin Commercial Joint Stock Bank reported revenue of 36.0T VND in FY2025 versus 16.4T VND in FY2021, a compound +21.8%/yr. Reported net income was 5.9T VND in FY2025, compounding +14.9%/yr from FY2021.
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6 more Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Jun 26, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| HDFC Bank Limited HDFCBANK | ₹786.40 | ₹1,389 | +77% |
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| KB Financial Group 105560 | 151,900 KRW | 213,797 KRW | +41% |
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Frequently asked questions
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.
Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.