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STC:STB's EV-to-OCF is ranked better than 60.52% of 1502
companies
in the Banks industry
Industry Median: 3.685
vs STC:STB: 1.37
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Saigon Treasure Commercial Joint Stock Bank (STC:STB) EV-to-OCF Explanation
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Saigon Treasure Commercial Joint Stock Bank's PE Ratio (TTM) for today is calculated as:
Saigon Treasure Commercial Joint Stock Bank's share price for today is ₫73500.00.
Saigon Treasure Commercial Joint Stock Bank's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₫4067.831.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Saigon Treasure Commercial Joint Stock Bank EV-to-OCF Related Terms
Saigon Treasure Commercial Joint Stock Bank EV-to-OCF 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 EV-to-OCF Chart
Saigon Treasure Commercial Joint Stock Bank Annual Data
Saigon Treasure Commercial Joint Stock Bank EV-to-OCF Competitor Comparison
For the Banks - Regional subindustry, Saigon Treasure Commercial Joint Stock Bank's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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 EV-to-OCF vs Banks Industry
Saigon Treasure Commercial Joint Stock Bank's current Enterprise Value is ₫52,551,436 Mil.
Saigon Treasure Commercial Joint Stock Bank's Cash Flow from Operations for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₫38,435,134 Mil.
* 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 (STC:STB) has a EV-to-OCF of 1.37 as of Jul. 27, 2026. This is 427% above median its historical median of 0.26. According to the industry distribution chart, Saigon Treasure Commercial Joint Stock Bank ranks #593 out of 1502 companies in the Banks industry, placing it in the top 39.5%.
Is Saigon Treasure Commercial Joint Stock Bank's EV-to-OCF too high?
Saigon Treasure Commercial Joint Stock Bank's current EV-to-OCF of 1.37 is 427% above median its 10-year median of 0.26. The Banks industry median EV-to-OCF is 3.69. Saigon Treasure Commercial Joint Stock Bank's value of 1.37 is 62.8% below this industry median. Based on the distribution chart, Saigon Treasure Commercial Joint Stock Bank ranks #593 out of 1502 companies in the Banks industry, which is above the industry midpoint. 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 EV-to-OCF compare to competitors?
According to the Banks industry distribution chart, Saigon Treasure Commercial Joint Stock Bank ranks #593 out of 1502 companies for EV-to-OCF. This puts Saigon Treasure Commercial Joint Stock Bank in the upper half of its industry. The industry median EV-to-OCF is 3.69. Saigon Treasure Commercial Joint Stock Bank's value of 1.37 is 62.8% below this benchmark. While the company's 10-year median is 0.26 vs. the industry median of 3.69, Saigon Treasure Commercial Joint Stock Bank has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-OCF for a Banks company?
The median EV-to-OCF among Banks companies is 3.69, based on 1,502 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Saigon Treasure Commercial Joint Stock Bank's current EV-to-OCF of 1.37 is 62.8% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median EV-to-OCF is 3.69 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Saigon Treasure Commercial Joint Stock Bank's current EV-to-OCF is 1.37, which is 427% above median its own 10-year median of 0.26. 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 ₫51,816.94, compared to a current price of ₫73,500.00 — trading 41.8% above its estimated fair value. The current EV-to-OCF is 1.37, which is 427% above median its 10-year median of 0.26 and 62.8% below the Banks industry median of 3.69. 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 EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Saigon Treasure Commercial Joint Stock Bank (STC:STB), the current EV-to-OCF is 1.37 as of Jul. 27, 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 ₫73,500.00 is trading 41.8% above its estimated GF Value™ of ₫51,816.94.
GuruFocus considers Saigon Treasure Commercial Joint Stock Bank to be Significantly Overvalued.
Key valuation signals for STC:STB:
EV-to-OCF: 1.37 (427% above median its 10-year median of 0.26)
GF Value™: ₫51,816.94 vs. price of ₫73,500.00 (41.8% above fair value)
Industry Position: 62.8% below the Banks median (#593 of 1502)
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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