Saigon Treasure Commercial Joint Stock Bank (HOSE:STB)

Vietnam · Delayed Price · Currency is VND

66,600

+1,500 (2.30%)

At close: Nov 3, 2026

HOSE:STB Financials Overview

Financials in millions VND. Fiscal year is January - December.

Millions VND. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Revenue	13,408,302	20,672,671	26,702,688	22,478,736	17,259,633	14,253,017
Revenue Growth	-55.29%	-22.58%	18.79%	30.24%	21.09%	-0.30%
Net Income	1,525,316	5,939,111	8,957,401	6,828,570	4,486,407	3,006,766
Earnings Per Share	809.09	3150.36	4751.39	3622.17	2379.78	1632.22
EPS Growth	-86.33%	-33.70%	31.18%	52.21%	45.80%	30.77%

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Investments	209,075,178	176,648,324	88,848,900	59,095,832	34,291,690	17,956,387
Total Debt	53,567,311	31,727,675	14,889,253	5,998,017	24,141,817	6,947,640
Net Cash (Debt)	155,507,867	144,920,649	73,959,647	53,097,815	10,149,873	11,008,747
Net Cash Growth	46.70%	95.95%	39.29%	423.14%	-7.80%	-51.22%
Net Cash Per Share	82488.10	76872.18	39231.40	28165.38	5383.93	5976.10

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Operating Cash Flow	-59,329,145	41,018,143	-17,772,172	-40,116,165	-24,280,708	-18,241,377
Capital Expenditures	-671,138	-926,085	-1,015,860	-1,287,591	-1,142,501	-606,832
Free Cash Flow	-60,000,283	40,092,058	-18,788,032	-41,403,756	-25,423,209	-18,848,209
Free Cash Flow Growth	-	-	-	-	-	-

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Profit Margin	11.38%	28.73%	33.55%	30.38%	25.99%	21.10%
FCF Margin	-447.49%	193.94%	-70.36%	-184.19%	-147.30%	-132.24%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Nov '26 Nov 3, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
PE Ratio	82.31	18.41	7.77	7.72	9.46	19.75
Forward PE	10.14	9.44	6.39	5.19	6.93	18.02
P/FCF Ratio	-	2.73	-	-	-	-
PS Ratio	9.36	5.29	2.61	2.34	2.46	4.17