Stock STB SAIGON THUONG TIN COMMERCIALBANK
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Financials Saigon Thuong Tin CommercialBank

Equities

STB

VN000000STB4

Banks

End-of-day quote Ho Chi Minh S.E.
Other stock markets
 06:00:00 2024-05-02 pm EDT 		5-day change 1st Jan Change
27,550 VND -0.18% Intraday chart for Saigon Thuong Tin CommercialBank -2.30% -1.43%
Apr. 26 Saigon Thuong Tin Commercial Joint Stock Bank Reports Earnings Results for the First Quarter Ended March 31, 2024 CI
Apr. 19 Vietnam continues support for bank engulfed in massive fraud, central bank says RE

Valuation

Fiscal Period: December 2019 2020 2021 2022 2024 2025 2026
Capitalization 1 18,126,717 30,481,743 59,384,295 42,417,354 51,937,693 - -
Enterprise Value (EV) 1 18,126,717 30,481,743 59,384,295 42,417,354 51,937,693 51,937,693 51,937,693
P/E ratio 8.98 x 12.4 x 19.3 x 8.41 x 5.97 x 4.28 x 3.24 x
Yield - - - - - - -
Capitalization / Revenue 1.3 x 1.79 x 3.23 x 1.62 x 1.66 x 1.37 x 1.12 x
EV / Revenue 1.3 x 1.79 x 3.23 x 1.62 x 1.66 x 1.37 x 1.12 x
EV / EBITDA - - - - - - -
EV / FCF - - - - - - -
FCF Yield - - - - - - -
Price to Book 0.68 x 1.05 x 1.73 x 1.1 x 0.98 x 0.81 x 0.62 x
Nbr of stocks (in thousands) 1,803,653 1,803,653 1,885,216 1,885,216 1,885,216 - -
Reference price 2 10,050 16,900 31,500 22,500 27,550 27,550 27,550
Announcement Date 1/20/20 1/20/21 1/28/22 3/31/23 - - -
1VND in Million2VND
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2024 2025 2026
Net sales 1 13,984,131 17,003,366 18,395,135 26,141,290 31,337,168 37,987,701 46,196,150
EBITDA - - - - - - -
EBIT 1 5,369,635 6,255,650 7,835,746 15,220,573 16,927,442 21,427,319 28,463,600
Operating Margin 38.4% 36.79% 42.6% 58.22% 54.02% 56.41% 61.61%
Earnings before Tax (EBT) 1 3,216,746 3,339,280 4,400,026 6,339,072 11,428,872 16,347,132 21,640,900
Net income 1 2,454,864 2,681,981 3,411,496 5,040,695 9,664,262 13,100,965 17,356,900
Net margin 17.55% 15.77% 18.55% 19.28% 30.84% 34.49% 37.57%
EPS 2 1,119 1,368 1,630 2,674 4,611 6,439 8,500
Free Cash Flow - - - - - - -
FCF margin - - - - - - -
FCF Conversion (EBITDA) - - - - - - -
FCF Conversion (Net income) - - - - - - -
Dividend per Share - - - - - - -
Announcement Date 1/20/20 1/20/21 1/28/22 3/31/23 - - -
1VND in Million2VND
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2022 Q3 2023 Q2 2023 Q3
Net sales 1 - - 6,413,319
EBITDA - - -
EBIT - - -
Operating Margin - - -
Earnings before Tax (EBT) - 2,372,538 -
Net income 1 1,211,607 1,925,126 1,634,592
Net margin - - 25.49%
EPS - - -
Dividend per Share - - -
Announcement Date 10/29/22 7/28/23 10/30/23
1VND in Million
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2024 2025 2026
Net Debt - - - - - - -
Net Cash position - - - - - - -
Leverage (Debt/EBITDA) - - - - - - -
Free Cash Flow - - - - - - -
ROE (net income / shareholders' equity) 9.56% 9.63% 10.8% 13.8% 19.6% 23.6% 22.9%
ROA (Net income/ Total Assets) 0.57% 0.57% 0.67% 0.91% 1.35% 1.63% 1.85%
Assets 1 429,848,363 473,095,960 506,833,457 556,509,379 715,871,241 802,101,555 938,210,811
Book Value Per Share 2 14,826 16,054 18,174 20,489 28,194 34,197 44,541
Cash Flow per Share - - - - - - -
Capex - - - - - - -
Capex / Sales - - - - - - -
Announcement Date 1/20/20 1/20/21 1/28/22 3/31/23 - - -
1VND in Million2VND
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

Ratings for Saigon Thuong Tin CommercialBank

Trading Rating
Investor Rating
ESG Refinitiv
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
6
Last Close Price
27,550 VND
Average target price
38,477 VND
Spread / Average Target
+39.66%
Consensus

EPS Revisions

Estimates Revisions

Annual profits - Rate of surprise

Company calendar

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