Saigon Treasure Commercial Joint Stock Bank (HOSE:STB)

Vietnam · Delayed Price · Currency is VND

73,500

+1,500 (2.08%)

At close: Jul 24, 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	Mar '26 Mar 31, 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	18,585,067	20,672,671	26,702,688	22,478,736	17,259,633	14,253,017
Revenue Growth	-33.88%	-22.58%	18.79%	30.24%	21.09%	-0.30%
Net Income	-306,848	5,939,111	8,957,401	6,828,570	4,486,407	3,006,766
Earnings Per Share	-162.77	3150.36	4751.39	3622.17	2379.78	1632.22
EPS Growth	-	-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	Mar '26 Mar 31, 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	119,327,383	176,648,324	88,848,900	59,095,832	34,291,690	17,956,387
Total Debt	28,940,225	31,727,675	14,889,253	5,998,017	24,141,817	6,947,640
Net Cash (Debt)	90,387,158	144,920,649	73,959,647	53,097,815	10,149,873	11,008,747
Net Cash Growth	27.16%	95.95%	39.29%	423.14%	-7.80%	-51.22%
Net Cash Per Share	47945.26	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	Mar '26 Mar 31, 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	23,215,503	41,018,143	-17,772,172	-40,116,165	-24,280,708	-18,241,377
Capital Expenditures	-874,769	-926,085	-1,015,860	-1,287,591	-1,142,501	-606,832
Free Cash Flow	22,340,734	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	Mar '26 Mar 31, 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	-1.65%	28.73%	33.55%	30.38%	25.99%	21.10%
FCF Margin	120.21%	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	Jul '26 Jul 25, 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	-	18.41	7.77	7.72	9.46	19.75
Forward PE	16.38	9.44	6.39	5.19	6.93	18.02
P/FCF Ratio	6.20	2.73	-	-	-	-
PS Ratio	7.46	5.29	2.61	2.34	2.46	4.17