STC:STB's PB Ratio is ranked worse than 91.29% of 1516
companies
in the Banks industry
Industry Median: 1.08
vs STC:STB: 2.19
During the past 12 months, Saigon Treasure Commercial Joint Stock Bank's average Book Value Per Share Growth Rate was 6.20% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 15.70% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 15.40% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 10.70% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Saigon Treasure Commercial Joint Stock Bank was 17.10% per year. The lowest was -1.10% per year. And the median was 6.40% per year.
Back to Basics: PB Ratio
Saigon Treasure Commercial Joint Stock Bank (STC:STB) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Saigon Treasure Commercial Joint Stock Bank PB Ratio Related Terms
Saigon Treasure Commercial Joint Stock Bank PB Ratio 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 PB Ratio Chart
Saigon Treasure Commercial Joint Stock Bank Annual Data
Saigon Treasure Commercial Joint Stock Bank PB Ratio Competitor Comparison
For the Banks - Regional subindustry, Saigon Treasure Commercial Joint Stock Bank's PB Ratio, along with its competitors' market caps and PB 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 PB Ratio vs Banks Industry
Saigon Treasure Commercial Joint Stock Bank PB Ratio Calculation
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Saigon Treasure Commercial Joint Stock Bank (STC:STB) has a PB Ratio of 2.18 as of Jun. 24, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Saigon Treasure Commercial Joint Stock Bank and its competitors. This is 90% above median its historical median of 1.15. Over the past decade, Saigon Treasure Commercial Joint Stock Bank's PB Ratio has ranged from 0.55 to 2.25. According to the industry distribution chart, Saigon Treasure Commercial Joint Stock Bank ranks #1384 out of 1516 companies in the Banks industry, placing it in the top 91.3%.
Is Saigon Treasure Commercial Joint Stock Bank's PB Ratio too high?
Saigon Treasure Commercial Joint Stock Bank's current PB Ratio of 2.18 is 90% above median its 10-year median of 1.15. Over the past 10 years, this metric has ranged from a low of 0.55 to a high of 2.25. The Banks industry median PB Ratio is 1.08. Saigon Treasure Commercial Joint Stock Bank's value of 2.18 is 101.9% above this industry median. Based on the distribution chart, Saigon Treasure Commercial Joint Stock Bank ranks #1384 out of 1516 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 PB Ratio compare to competitors?
According to the Banks industry distribution chart, Saigon Treasure Commercial Joint Stock Bank ranks #1384 out of 1516 companies for PB Ratio. This places Saigon Treasure Commercial Joint Stock Bank in the lower half of its industry. The industry median PB Ratio is 1.08. Saigon Treasure Commercial Joint Stock Bank's value of 2.18 is 101.9% above this benchmark. Historically, Saigon Treasure Commercial Joint Stock Bank's own PB Ratio has ranged from 0.55 to 2.25 over the past decade. While the company's 10-year median is 1.15 vs. the industry median of 1.08, Saigon Treasure Commercial Joint Stock Bank has consistently been above 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.08, based on 1,516 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio 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 PB Ratio of 2.18 is 101.9% above 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Saigon Treasure Commercial Joint Stock Bank and its competitors. For the Banks industry, the median PB Ratio is 1.08 — 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 PB Ratio is 2.18, which is 90% above median its own 10-year median of 1.15. 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 ₫71,200.00 — trading 37.7% above its estimated fair value. The current PB Ratio is 2.18, which is 90% above median its 10-year median of 1.15 and 101.9% above the Banks industry median of 1.08. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Saigon Treasure Commercial Joint Stock Bank (STC:STB), the current PB Ratio is 2.18 as of Jun. 24, 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 ₫71,200.00 is trading 37.7% 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:
PB Ratio: 2.18 (90% above median its 10-year median of 1.15)
GF Value™: ₫51,690.06 vs. price of ₫71,200.00 (37.7% above fair value)
Industry Position: 101.9% above the Banks median (#1384 of 1516)
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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