STC:STB'
s Net Margin % Range Over the Past 10 Years
Min: 1.42 Med: 17.58 Max: 34.9
Current: 14.43
STC:STB's Net Margin % is ranked worse than 82.12% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs STC:STB: 14.43
Saigon Treasure Commercial Joint Stock Bank (STC:STB) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Saigon Treasure Commercial Joint Stock Bank Net Margin % Related Terms
Saigon Treasure Commercial Joint Stock Bank Net Margin % 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 Margin % Chart
Saigon Treasure Commercial Joint Stock Bank Annual Data
Saigon Treasure Commercial Joint Stock Bank Net Margin % Competitor Comparison
For the Banks - Regional subindustry, Saigon Treasure Commercial Joint Stock Bank's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Banks Industry
* 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 Net Margin % of 20.94% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Saigon Treasure Commercial Joint Stock Bank and its competitors. This is 19% above median its historical median of 17.58. Over the past decade, Saigon Treasure Commercial Joint Stock Bank's Net Margin % has ranged from 1.42 to 34.90. According to the industry distribution chart, Saigon Treasure Commercial Joint Stock Bank ranks #1254 out of 1527 companies in the Banks industry, placing it in the top 82.1%.
Is Saigon Treasure Commercial Joint Stock Bank's Net Margin % too high?
Saigon Treasure Commercial Joint Stock Bank's current Net Margin % of 20.94% is 19% above median its 10-year median of 17.58. Over the past 10 years, this metric has ranged from a low of 1.42 to a high of 34.90. The Banks industry median Net Margin % is 26.95. Saigon Treasure Commercial Joint Stock Bank's value of 20.94% is 22.3% below this industry median. Based on the distribution chart, Saigon Treasure Commercial Joint Stock Bank ranks #1254 out of 1527 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 Net Margin % compare to competitors?
According to the Banks industry distribution chart, Saigon Treasure Commercial Joint Stock Bank ranks #1254 out of 1527 companies for Net Margin %. This places Saigon Treasure Commercial Joint Stock Bank in the lower half of its industry. The industry median Net Margin % is 26.95. Saigon Treasure Commercial Joint Stock Bank's value of 20.94% is 22.3% below this benchmark. Historically, Saigon Treasure Commercial Joint Stock Bank's own Net Margin % has ranged from 1.42 to 34.90 over the past decade. While the company's 10-year median is 17.58 vs. the industry median of 26.95, 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.95, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % 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 Net Margin % of 20.94% is 22.3% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Saigon Treasure Commercial Joint Stock Bank and its competitors. For the Banks industry, the median Net Margin % is 26.95 — 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 Net Margin % is 20.94%, which is 19% above median its own 10-year median of 17.58. 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 Net Margin % is 20.94%, which is 19% above median its 10-year median of 17.58 and 22.3% below the Banks industry median of 26.95. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Saigon Treasure Commercial Joint Stock Bank (STC:STB), the current Net Margin % is 20.94% 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:
Net Margin %: 20.94% (19% above median its 10-year median of 17.58)
GF Value™: ₫51,690.06 vs. price of ₫71,700.00 (38.7% above fair value)
Industry Position: 22.3% below the Banks median (#1254 of 1527)
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.
78GF Score
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Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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