Sai Gon Thuong Tin Commercial Joint Stock Bank

STB · VN · Financial Services / Banks - Regional

$76,700+0.00 (0.00%)

Close Sep 22, 2026 · end-of-day

Market Stats

Previous Close$76,700

Open$76,700

Day Range$76,600 – $77,900

52-Week Range$45,950 – $79,000

Volume2.08M

Market Cap$127.44T

P/E (TTM)41.56

Forward P/E10.73

EPS$1,626.49

Dividend Yield0.00%

Beta0.88

50-Day Avg$74,492

200-Day Avg$68,197.5

Price History

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About

Saigon Treasure 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 commodity future prices services. Further, it is involved in discount of commercial papers, bonds, and other valuable papers; providing settlement services; operating in monetary market; banking and financial consultancy; trading in government and corporate bonds; gold trading; asset preservation; cabin and safer renting; entrustment and trusteeship services; and brokerage and other banking services. Saigon Treasure Commercial Joint Stock Bank was formerly known as Saigon Thuong Tin Commercial Joint Stock Bank and changed its name to Saigon Treasure Commercial Joint Stock Bank in June 2026. The company was founded in 1991 and is headquartered in Ho Chi Minh City, Vietnam.

Company Details

Sector: Financial Services
Industry: Banks - Regional
CEO: Mr. Marc Loic Michel Faussier
Employees: 13.08K
Headquarters: 43-45-47 Nguyen Thi Minh Khai, Ho Chi Minh City, Vietnam, Vietnam
Website: https://www.sacombank.com.vn/ca-nhan.html

Leadership

Mr. Marc Loic Michel FaussierCEO & Member of Management Board · b. 1972
Mr. Trung Van HaDeputy CEO, Deputy General Director, Member of Management Board & CFO
Mr. Vu Nguyen DaoDeputy CEO, Deputy General Dir, Dir of East HCMC Region, Credit Dir & Member of Management Board · b. 1967
Ms. Thuy Thanh Ngoc QuachDeputy CEO, Deputy General Director, Director of Operations Division & Member of Management Board
Mr. Thinh Duc LeDeputy CEO, Deputy General Director, Director of HR Management Division & Member of Management Board
Ms. Oanh Kim Thi NguyenDeputy CEO & Member of Management Board
Ms. Anh Thi Kieu NguyenDeputy CEO & Member of Management Board
Ms. Nguyen Phuong HuyenMember of the Board of Management
Mr. Nguyen Tan CuongMember of the Board of Management
Mr. Nguyen Dang DiMember of the Board of Management

Financials

Income Statement

Line item	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Total Revenue	$13.17T	$16.80T	$16.39T	$15.64T	$24.80T	$28.91T	$36.04T
Net Income	$2.45T	$2.68T	$3.41T	$5.04T	$7.72T	$10.09T	$5.94T
Interest Expense	$21.30T	$22.06T	$17.73T	$20.24T	$33.85T	$25.46T	$30.80T

Balance Sheet

Line item	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Total Assets	$453.58T	$492.52T	$521.12T	$591.91T	$674.39T	$748.09T	$917.12T
Total Liabilities	$426.84T	$463.56T	$486.86T	$553.28T	$628.66T	$693.12T	$857.25T
Total Equity	$26.74T	$28.96T	$34.26T	$38.63T	$45.73T	$54.97T	$59.87T
Cash	$33.10T	$35.37T	$28.07T	$45.10T	$70.51T	$106.49T	$194.47T

Cash Flow

Line item	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Operating Cash Flow	$-32.70T	$-28.47T	$-18.24T	$-24.31T	$26.75T	$38.37T	$92.48T
Investing Cash Flow	$-387.27B	$-657.39B	$-82.94B	$1.72T	-	-	-
Financing Cash Flow	$45.77T	$31.46T	$11.13T	$39.81T	-	-	-
Capital Expenditure	$885.02B	$981.28B	$606.83B	$1.14T	$1.29T	$1.02T	$926.09B
Free Cash Flow	$12.18T	$2.01T	$-12.49T	$14.40T	$25.46T	$37.35T	$91.55T
Dividends Paid	$202.00M	$371.00M	$89.00M	$173.00M	$25.00M	$2.00M	-

Earnings

Report Date	Jun 30, 2026	Apr 22, 2026	Dec 31, 2025	Dec 3, 2025	Sep 3, 2025	Apr 28, 2025	Jan 24, 2025	Oct 29, 2024	Jul 30, 2024	May 6, 2024	Jan 30, 2024	Oct 31, 2023	Jul 28, 2023	Mar 31, 2023	Dec 31, 2022	Sep 30, 2022	Jun 30, 2022	Mar 31, 2022	Dec 31, 2021	Sep 30, 2021	Jun 30, 2021	Mar 31, 2021	Dec 31, 2020	Sep 30, 2020	Jun 30, 2020	Mar 31, 2020	Dec 31, 2019	Sep 30, 2019	Jun 30, 2019	Mar 31, 2019	Dec 31, 2018	Sep 30, 2018	Jun 30, 2018	Mar 31, 2018	Dec 31, 2017	Sep 30, 2017	Jun 30, 2017	Mar 31, 2017	Dec 31, 2016	Sep 30, 2016	Jun 30, 2016	Mar 31, 2016	Dec 31, 2015	Sep 30, 2015	Jun 30, 2015	Mar 31, 2015	Dec 31, 2014	Sep 30, 2014	Jun 30, 2014	Mar 31, 2014	Dec 31, 2013	Sep 30, 2013	Jun 30, 2013	Mar 31, 2013	Dec 31, 2012	Sep 30, 2012	Jun 30, 2012	Mar 31, 2012
EPS Estimate	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EPS Actual	$-820.55	$2454.27	$-1460.03	$371.37	$380.20	$5767.39	$1908.58	$300.54	$133.52	$4206.45	$563.39	$224.37	$594.75	$3005.80	$473.82	$507.44	$-367.97	$2085.93	$-205.31	$-40.60	$426.62	$1495.47	$-69.68	$-30.83	$20.06	$1328.62	$-423.59	$337.48	$-35.54	$1240.63	$476.24	$-79.89	$-147.24	$758.32	$222.62	$134.85	$281.68	$233.47	$-48.01	$-72.74	$81.49	$113.24	$-289.10	$307.78	$342.69	$367.56	$210.85	$383.30	$335.75	$397.94	$360.43	$361.06	$307.29	$438.63	$-378.47	$269.52	$243.56	$545.50
Surprise	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Timing	-	Pre-market	-	-	-	Pre-market	Pre-market	After-hours	After-hours	Pre-market	Pre-market	Pre-market	After-hours	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

Key Statistics & Ratios

Market Cap: $127.44T
Enterprise Value: $52.29T
Trailing P/E: 41.56
Forward P/E: 10.73
Price / Sales: 7.70
Price / Book: 2.31
EPS: $1,626.49
Book Value: $33,315.68
Revenue (TTM): $16.58T
Gross Profit (TTM): $16.58T
Profit Margin: 18.57%
Operating Margin: 41.81%
Return on Equity: 5.02%
Return on Assets: 0.36%
Shares Outstanding: 1.89B
Shares Float: 1.89B
Beta: 0.88
Dividend Yield: 0.00%
Dividend Rate: $0
Payout Ratio: 0.00%

Dividends

20132×

$576.58Nov 29, 2013$432.43May 20, 2013

20111×

$948.32Aug 10, 2011

Stock Splits

Oct 16, 2015111:80
May 20, 201357:50
Aug 10, 20113927:3754
Jul 7, 20102186:1807
Sep 16, 20091224:979