Saigon Treasure Commercial Joint Stock Bank (STC:STB) E10: ₫4,035.42 (As of Mar. 2026)


STC:STB Saigon Treasure Commercial Joint Stock Bank STC:STB
78 GF Score
Price ₫71,700.00
GF Value ₫51,690.06
Valuation Significantly Overvalued
! 5 Warning Signs
View Full Analysis

What is Saigon Treasure Commercial Joint Stock Bank E10?

Saigon Treasure Commercial Joint Stock Bank STC:STB 78 E10 is ₫4,035.42 as of Mar. 2026. GuruFocus rates STC:STB with a GF Score™ of 78/100 and a GF Value™ of ₫51,690.06 (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 P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Saigon Treasure Commercial Joint Stock Bank's adjusted earnings per share data for the three months ended in Mar. 2026 was ₫2,454.000. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is ₫4,035.42 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Saigon Treasure Commercial Joint Stock Bank's average E10 Growth Rate was 11.40% per year. During the past 3 years, the average E10 Growth Rate was 23.30% 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 E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of Saigon Treasure Commercial Joint Stock Bank was 23.90% per year. The lowest was 23.30% per year. And the median was 23.60% per year.

As of today (2026-06-24), Saigon Treasure Commercial Joint Stock Bank's current stock price is ₫71700.00. Saigon Treasure Commercial Joint Stock Bank's E10 for the quarter that ended in Mar. 2026 was ₫4,035.42. Saigon Treasure Commercial Joint Stock Bank's Shiller PE Ratio of today is 17.77.

During the past 13 years, the highest Shiller PE Ratio of Saigon Treasure Commercial Joint Stock Bank was 21.63. The lowest was 8.02. And the median was 12.42.


Saigon Treasure Commercial Joint Stock Bank  (STC:STB) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Saigon Treasure Commercial Joint Stock Bank's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=71700.00/4035.42
=17.77

* 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 Shiller P/E Ratio of Saigon Treasure Commercial Joint Stock Bank was 21.63. The lowest was 8.02. And the median was 12.42.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Saigon Treasure Commercial Joint Stock Bank E10 Related Terms


Saigon Treasure Commercial Joint Stock Bank E10 Historical Data

* Premium members only.

The historical data trend for Saigon Treasure Commercial Joint Stock Bank's E10 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 E10 Chart

Saigon Treasure Commercial Joint Stock Bank Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1,643.37 2,019.59 2,482.98 3,128.32 3,783.29

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
E10 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 3,624.02 3,754.69 3,885.56 3,783.29 4,035.42

Saigon Treasure Commercial Joint Stock Bank E10 Competitor Comparison

For the Banks - Regional subindustry, Saigon Treasure Commercial Joint Stock Bank's Shiller PE Ratio, along with its competitors' market caps and Shiller PE 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 Shiller PE Ratio vs Banks Industry

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

* The bar in red indicates where Saigon Treasure Commercial Joint Stock Bank's Shiller PE Ratio falls into.


STC:STB
78GF Score
Saigon Treasure Commercial Joint Stock Bank STC:STB
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Saigon Treasure Commercial Joint Stock Bank E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

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 earnings per share data for the three months ended in Mar. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=2454/330.2130*330.2130
=2,454.000

Current CPI (Mar. 2026) = 330.2130.

Saigon Treasure Commercial Joint Stock Bank Quarterly Data

per share eps CPI Adj_EPS
201606 -88.398 241.018 -121.112
201609 83.259 241.428 113.877
201612 -48.008 241.432 -65.662
201703 117.000 243.801 158.469
201706 140.515 244.955 189.422
201709 170.366 246.819 227.928
201712 162.452 246.524 217.601
201803 758.000 249.554 1,002.995
201806 205.848 251.989 269.749
201809 90.472 252.439 118.346
201812 249.000 251.233 327.278
201903 1,241.000 254.202 1,612.081
201906 170.313 256.143 219.563
201909 427.948 256.759 550.376
201912 294.717 256.974 378.713
202003 1,329.000 258.115 1,700.223
202006 190.375 257.797 243.852
202009 397.116 260.280 503.815
202012 463.842 260.474 588.031
202103 1,495.000 264.877 1,863.765
202106 616.992 271.696 749.878
202109 339.339 274.310 408.495
202112 -203.411 278.802 -240.920
202203 2,086.000 287.504 2,395.877
202206 426.418 296.311 475.206
202209 642.689 296.808 715.022
202212 180.000 296.797 200.266
202303 3,006.000 301.836 3,288.608
202306 1,021.170 305.109 1,105.191
202309 867.058 307.789 930.228
202312 1,198.241 306.746 1,289.910
202403 4,206.000 312.332 4,446.793
202406 1,154.690 314.175 1,213.635
202409 1,167.597 315.301 1,222.818
202412 1,908.576 315.605 1,996.916
202503 5,767.000 319.799 5,954.798
202506 1,534.890 322.561 1,571.302
202509 1,538.966 324.800 1,564.614
202512 -1,460.025 324.054 -1,487.774
202603 2,454.000 330.213 2,454.000

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of ₫4,035.42 mean?
Saigon Treasure Commercial Joint Stock Bank (STC:STB) has a E10 of ₫4,035.42 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings 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 E10 too high?
Saigon Treasure Commercial Joint Stock Bank's current E10 is ₫4,035.42. 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 E10 compare to competitors?
Saigon Treasure Commercial Joint Stock Bank's E10 of ₫4,035.42 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 E10 for a Banks company?
A good E10 depends on the Banks industry context. However, E10 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 E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings 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 E10 is ₫4,035.42. 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 ₫51,690.06, compared to a current price of ₫71,700.00 — trading 38.7% above its estimated fair value. The current E10 is ₫4,035.42. 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 E10 calculated?
E10 is calculated from a company's financial statements. For Saigon Treasure Commercial Joint Stock Bank (STC:STB), the current E10 is ₫4,035.42 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 ₫71,700.00 is trading 38.7% above its estimated GF Value™ of ₫51,690.06. GuruFocus considers Saigon Treasure Commercial Joint Stock Bank to be Significantly Overvalued.

Key valuation signals for STC:STB:

  • E10: ₫4,035.42
  • GF Value™: ₫51,690.06 vs. price of ₫71,700.00 (38.7% 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

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₫71,700.00
Price
₫51,690.06
GF Value