Saigon Treasure Commercial Joint Stock Bank's quarterly net loan
increased
from Sep. 2025 (₫590,031,144 Mil) to Dec. 2025 (₫600,579,336 Mil) but then
declined
from Dec. 2025 (₫600,579,336 Mil) to Mar. 2026 (₫597,606,230 Mil).
Saigon Treasure Commercial Joint Stock Bank's annual net loan
increased
from Dec. 2023 (₫470,686,811 Mil) to Dec. 2024 (₫600,579,336 Mil) and
increased
from Dec. 2024 (₫600,579,336 Mil) to Dec. 2025 (₫597,606,230 Mil).
Saigon Treasure Commercial Joint Stock Bank Net Loan Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Saigon Treasure Commercial Joint Stock Bank Net Loan Chart
Saigon Treasure Commercial Joint Stock Bank Annual Data
Saigon Treasure Commercial Joint Stock Bank Net Loan Calculation
Total loans on banks' book. These are the fund that banks have lent out. The loans contribute to banks' income. Some borrower of the loans may stop paying their payment. In this case, the loan is called non-performing loans.
Loans can be divided into residential loans, commercial loans or consumer loans. Peter Lynch loved
Saigon Treasure Commercial Joint Stock Bank (STC:STB) has a Net Loan of ₫597,606,230 Mil as of Mar. 2026. The total net loans as recorded on a bank's balance sheet. View historical data on Saigon Treasure Commercial Joint Stock Bank and its competitors.
Is Saigon Treasure Commercial Joint Stock Bank's Net Loan too high?
Saigon Treasure Commercial Joint Stock Bank's current Net Loan is ₫597,606,230 Mil. Overall, Saigon Treasure Commercial Joint Stock Bank has a GF Score™ of 71/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Saigon Treasure Commercial Joint Stock Bank's Net Loan compare to competitors?
Saigon Treasure Commercial Joint Stock Bank's Net Loan of ₫597,606,230 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Loan for a Banks company?
A good Net Loan depends on the Banks industry context. However, Net Loan should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Loan mean?
A high Net Loan can signal that a stock is expensive relative to its fundamentals. The total net loans as recorded on a bank's balance sheet. View historical data on Saigon Treasure Commercial Joint Stock Bank and its competitors. Saigon Treasure Commercial Joint Stock Bank's current Net Loan is ₫597,606,230 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Saigon Treasure Commercial Joint Stock Bank stock overvalued right now?
Based on GuruFocus' analysis, Saigon Treasure Commercial Joint Stock Bank (STC:STB) is currently considered Significantly Overvalued. The stock's GF Value™ is ₫51,623.22, compared to a current price of ₫70,100.00 — trading 35.8% above its estimated fair value. The current Net Loan is ₫597,606,230 Mil. Saigon Treasure Commercial Joint Stock Bank's overall GF Score™ is 71/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Loan calculated?
Net Loan is calculated from a company's financial statements. For Saigon Treasure Commercial Joint Stock Bank (STC:STB), the current Net Loan is ₫597,606,230 Mil as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Saigon Treasure Commercial Joint Stock Bank (STC:STB) Overvalued in 2026?
Based on GuruFocus' analysis, Saigon Treasure Commercial Joint Stock Bank stock appears to be overvalued.
The current stock price of ₫70,100.00 is trading 35.8% above its estimated GF Value™ of ₫51,623.22.
GuruFocus considers Saigon Treasure Commercial Joint Stock Bank to be Significantly Overvalued.
Key valuation signals for STC:STB:
Net Loan: ₫597,606,230 Mil
GF Value™: ₫51,623.22 vs. price of ₫70,100.00 (35.8% above fair value)
No single metric tells the full story. See the STC:STB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Saigon Treasure Commercial Joint Stock Bank Business Description
Saigon Treasure Commercial Joint Stock Bank is a Vietnam-based company that provides commercial banking services. Its principal activities are to mobilize short, medium, and long-term capital in the form of time deposits, demand deposits, certificates of deposit, receive capital from local and overseas financial institutions, grant short, medium, and long-term loans, investments in associate, joint-ventures, and other companies. The company also provides settlement services to customers, deals in foreign exchange & gold, provides international settlements services, invests in bonds, & offers other banking services. Geographically, the company operates in the Northern Region, the Central Region, and the Southern Region, & the majority of its revenue is generated from the Southern Region.
71GF Score
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