Saigon Treasure Commercial Joint Stock Bank (STC:STB) Cyclically Adjusted Revenue per Share: ₫11,359.09 (As of Mar. 2026)


STC:STB Saigon Treasure Commercial Joint Stock Bank STC:STB
78 GF Score
Price ₫72,000.00
GF Value ₫51,545.73
Valuation Significantly Overvalued
! 5 Warning Signs
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What is Saigon Treasure Commercial Joint Stock Bank Cyclically Adjusted Revenue per Share?

Saigon Treasure Commercial Joint Stock Bank STC:STB -0.83% 78 Cyclically Adjusted Revenue per Share is ₫11,359.09 as of Mar. 2026. GuruFocus rates STC:STB with a GF Score™ of 78/100 and a GF Value™ of ₫51,545.73 (Significantly Overvalued). The stock has 5 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Revenue per Share and the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years.

Saigon Treasure Commercial Joint Stock Bank's adjusted revenue per share for the three months ended in Mar. 2026 was ₫4,013.357. Add all the adjusted revenue per share for the past 10 years together and divide the count will get our Cyclically Adjusted Revenue per Share, which is ₫11,359.09 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Saigon Treasure Commercial Joint Stock Bank's average Cyclically Adjusted Revenue Growth Rate was 12.90% per year. During the past 3 years, the average Cyclically Adjusted Revenue Growth Rate was 11.80% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Revenue Growth Rate using Cyclically Adjusted Revenue per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Revenue Growth Rate of Saigon Treasure Commercial Joint Stock Bank was 11.80% per year. The lowest was 10.70% per year. And the median was 11.25% per year.

As of today (2026-07-06), Saigon Treasure Commercial Joint Stock Bank's current stock price is ₫72000.00. Saigon Treasure Commercial Joint Stock Bank's Cyclically Adjusted Revenue per Share for the quarter that ended in Mar. 2026 was ₫11,359.09. Saigon Treasure Commercial Joint Stock Bank's Cyclically Adjusted PS Ratio of today is 6.34.

During the past 13 years, the highest Cyclically Adjusted PS Ratio of Saigon Treasure Commercial Joint Stock Bank was 6.49. The lowest was 1.93. And the median was 3.69.


Saigon Treasure Commercial Joint Stock Bank  (STC:STB) Cyclically Adjusted Revenue per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Revenue per Share may underestimate the company's revenue. Cyclically Adjusted PS Ratio can seem to be too high even the actual PS Ratio is low.

For the Cyclically Adjusted PS Ratio, the revenue per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/S calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PS Ratio is also called CAPS Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted revenue per share of a company over the past 10 years.

Saigon Treasure Commercial Joint Stock Bank's Cyclically Adjusted PS Ratio of today is calculated as

Cyclically Adjusted PS Ratio=Share Price/Cyclically Adjusted Revenue per Share
=72000.00/11359.09
=6.34

* 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.

During the past 13 years, the highest Cyclically Adjusted PS Ratio of Saigon Treasure Commercial Joint Stock Bank was 6.49. The lowest was 1.93. And the median was 3.69.


Be Aware

Cyclically Adjusted PS Ratio works better for cyclical companies. It gives you a better idea on the company's real revenue value.


Saigon Treasure Commercial Joint Stock Bank Cyclically Adjusted Revenue per Share Related Terms


Saigon Treasure Commercial Joint Stock Bank Cyclically Adjusted Revenue per Share Historical Data

* Premium members only.

The historical data trend for Saigon Treasure Commercial Joint Stock Bank's Cyclically Adjusted Revenue per Share can be seen below:

* 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 Cyclically Adjusted Revenue per Share Chart

Saigon Treasure Commercial Joint Stock Bank Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Revenue per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 7,197.96 7,809.80 8,706.69 9,751.91 10,916.66

Saigon Treasure Commercial Joint Stock Bank Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted Revenue per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 10,065.41 10,345.07 10,657.73 10,916.66 11,359.09

Saigon Treasure Commercial Joint Stock Bank Cyclically Adjusted Revenue per Share Competitor Comparison

For the Banks - Regional subindustry, Saigon Treasure Commercial Joint Stock Bank's Cyclically Adjusted PS Ratio, along with its competitors' market caps and Cyclically Adjusted PS Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Saigon Treasure Commercial Joint Stock Bank Cyclically Adjusted PS Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Saigon Treasure Commercial Joint Stock Bank's Cyclically Adjusted PS Ratio distribution charts can be found below:

* The bar in red indicates where Saigon Treasure Commercial Joint Stock Bank's Cyclically Adjusted PS Ratio falls into.


STC:STB
78GF Score
Saigon Treasure Commercial Joint Stock Bank STC:STB
Cyclically Adjusted Revenue per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Saigon Treasure Commercial Joint Stock Bank Cyclically Adjusted Revenue per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Revenue per Share and the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years.

What is Cyclically Adjusted Revenue per Share? How do we calculate Cyclically Adjusted Revenue per Share?

Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Revenue per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the revenue per share from 2001 through 2010.

We adjusted the 2001 revenue per share data with the total inflation from 2001 through 2010 to the equivalent revenue in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's revenue is $1 a share in 2001, then the 2001's equivalent revenue in 2010 is $1.4 a share. If Wal-Mart's revenue is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 revenue in 2010 is $1.35. So on and so forth, you get the equivalent revenue per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Revenue per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Saigon Treasure Commercial Joint Stock Bank's adjusted Revenue per Share data for the three months ended in Mar. 2026 was:

Adj_RevenuePerShare= Revenue per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=4013.357/330.2130*330.2130
=4,013.357

Current CPI (Mar. 2026) = 330.2130.

Saigon Treasure Commercial Joint Stock Bank Quarterly Data

Revenue per Share CPI Adj_RevenuePerShare
201606 629.070 241.018 861.874
201609 944.571 241.428 1,291.936
201612 939.623 241.432 1,285.147
201703 935.606 243.801 1,267.219
201706 930.154 244.955 1,253.899
201709 1,241.540 246.819 1,661.025
201712 1,625.488 246.524 2,177.302
201803 1,300.207 249.554 1,720.450
201806 1,487.989 251.989 1,949.900
201809 1,634.214 252.439 2,137.699
201812 1,613.284 251.233 2,120.451
201903 1,964.306 254.202 2,551.669
201906 1,832.916 256.143 2,362.948
201909 2,257.022 256.759 2,902.714
201912 2,095.675 256.974 2,692.954
202003 2,159.231 258.115 2,762.358
202006 1,986.259 257.797 2,544.205
202009 2,671.201 260.280 3,388.909
202012 2,790.679 260.474 3,537.852
202103 2,312.888 264.877 2,883.398
202106 2,644.896 271.696 3,214.545
202109 2,285.096 274.310 2,750.787
202112 1,656.465 278.802 1,961.917
202203 2,762.076 287.504 3,172.385
202206 3,261.697 296.311 3,634.879
202209 3,755.684 296.808 4,178.377
202212 -1,448.233 296.797 -1,611.288
202303 3,618.425 301.836 3,958.610
202306 3,583.458 305.109 3,878.301
202309 3,152.117 307.789 3,381.765
202312 3,592.351 306.746 3,867.177
202403 3,674.966 312.332 3,885.358
202406 3,814.278 314.175 4,008.989
202409 3,929.161 315.301 4,114.989
202412 3,988.347 315.605 4,172.950
202503 4,263.503 319.799 4,402.341
202506 4,170.929 322.561 4,269.874
202509 4,701.879 324.800 4,780.239
202512 4,123.103 324.054 4,201.467
202603 4,013.357 330.213 4,013.357

Add all the adjusted revenue per share together and divide 10 will get our Cyclically Adjusted Revenue per Share.

What does a Cyclically Adjusted Revenue per Share of ₫11,359.09 mean?
Saigon Treasure Commercial Joint Stock Bank (STC:STB) has a Cyclically Adjusted Revenue per Share of ₫11,359.09 as of Mar. 2026. Cyclically adjusted revenue per share represents the company's inflation-adjusted revenue per share over a 10-year period. View historical data on Saigon Treasure Commercial Joint Stock Bank and its competitors.
Is Saigon Treasure Commercial Joint Stock Bank's Cyclically Adjusted Revenue per Share too high?
Saigon Treasure Commercial Joint Stock Bank's current Cyclically Adjusted Revenue per Share is ₫11,359.09. Overall, Saigon Treasure Commercial Joint Stock Bank has a GF Score™ of 78/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Saigon Treasure Commercial Joint Stock Bank's Cyclically Adjusted Revenue per Share compare to competitors?
Saigon Treasure Commercial Joint Stock Bank's Cyclically Adjusted Revenue per Share of ₫11,359.09 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 Cyclically Adjusted Revenue per Share for a Banks company?
A good Cyclically Adjusted Revenue per Share depends on the Banks industry context. However, Cyclically Adjusted Revenue per Share 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 Cyclically Adjusted Revenue per Share mean?
A high Cyclically Adjusted Revenue per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted revenue per share represents the company's inflation-adjusted revenue per share over a 10-year period. View historical data on Saigon Treasure Commercial Joint Stock Bank and its competitors. Saigon Treasure Commercial Joint Stock Bank's current Cyclically Adjusted Revenue per Share is ₫11,359.09. 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 ₫51,545.73, compared to a current price of ₫72,000.00 — trading 39.7% above its estimated fair value. The current Cyclically Adjusted Revenue per Share is ₫11,359.09. Saigon Treasure Commercial Joint Stock Bank's overall GF Score™ is 78/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Revenue per Share calculated?
Cyclically Adjusted Revenue per Share is calculated from a company's financial statements. For Saigon Treasure Commercial Joint Stock Bank (STC:STB), the current Cyclically Adjusted Revenue per Share is ₫11,359.09 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 ₫72,000.00 is trading 39.7% above its estimated GF Value™ of ₫51,545.73. GuruFocus considers Saigon Treasure Commercial Joint Stock Bank to be Significantly Overvalued.

Key valuation signals for STC:STB:

  • Cyclically Adjusted Revenue per Share: ₫11,359.09
  • GF Value™: ₫51,545.73 vs. price of ₫72,000.00 (39.7% above fair value)
  • GF Score™: 78/100 with 5 warning signs

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

Address 266-268 Nam Ky Khoi Nghia Street, Xuan Hoa Ward, Ho Chi Minh City, VNM
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.
78GF Score

Get the complete analysis for STC:STB

Cyclically Adjusted Revenue per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₫72,000.00
Price
₫51,545.73
GF Value