Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
12-1 Month Momentum % is the total return of the stock from 12-month ago to 1-month ago. As of today (2026-08-01), Saigon Treasure Commercial Joint Stock Bank's 12-1 Month Momentum % is 49.70%.
Momentum investing is a trading strategy in which investors buy securities that are rising and sell before the prices start to go back down. The 12-1 Month Momentum % measures the total return to a stock over the past twelve months, but ignores the previous month.
The reason why the most recent month’s return dropped related to the short-term reversal effect associated with momentum. There is an academic finding that short-term momentum actually has a reversal effect, whereby the previous winners (measured over the past months) do poorly the next month, while the previous losers do well the next month. In order to eliminate the short-term reversal effect, the previous month return was not included in this calculation.
Saigon Treasure Commercial Joint Stock Bank 12-1 Month Momentum % Related Terms
For the Banks - Regional subindustry, Saigon Treasure Commercial Joint Stock Bank's 12-1 Month Momentum %, along with its competitors' market caps and 12-1 Month Momentum % 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 12-1 Month Momentum % 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 12-1 Month Momentum % of 49.70% as of Aug. 01, 2026. 12-1 Month Momentum measures the total return of the stock from 12-month ago to 1-month ago. View historical data on Saigon Treasure Commercial Joint Stock Bank and its competitors. According to the industry distribution chart, Saigon Treasure Commercial Joint Stock Bank ranks #231 out of 1596 companies in the Banks industry, placing it in the top 14.5%.
Is Saigon Treasure Commercial Joint Stock Bank's 12-1 Month Momentum % too high?
Saigon Treasure Commercial Joint Stock Bank's current 12-1 Month Momentum % is 49.70%. The Banks industry median 12-1 Month Momentum % is 20.00. Saigon Treasure Commercial Joint Stock Bank's value of 49.70% is 148.5% above this industry median. Based on the distribution chart, Saigon Treasure Commercial Joint Stock Bank ranks #231 out of 1596 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Saigon Treasure Commercial Joint Stock Bank has a GF Score™ of 70/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Saigon Treasure Commercial Joint Stock Bank's 12-1 Month Momentum % compare to competitors?
According to the Banks industry distribution chart, Saigon Treasure Commercial Joint Stock Bank ranks #231 out of 1596 companies for 12-1 Month Momentum %. This places Saigon Treasure Commercial Joint Stock Bank in the top 15% of its industry — outperforming the majority of peers. The industry median 12-1 Month Momentum % is 20.00. Saigon Treasure Commercial Joint Stock Bank's value of 49.70% is 148.5% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 12-1 Month Momentum % for a Banks company?
The median 12-1 Month Momentum % among Banks companies is 20.00, based on 1,596 companies in the industry. Companies in the top quartile (top 25%) have a 12-1 Month Momentum % significantly above this median, while those in the bottom quartile fall well below. However, 12-1 Month Momentum % 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 12-1 Month Momentum % of 49.70% is 148.5% 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 12-1 Month Momentum % mean?
A high 12-1 Month Momentum % can signal that a stock is expensive relative to its fundamentals. 12-1 Month Momentum measures the total return of the stock from 12-month ago to 1-month ago. View historical data on Saigon Treasure Commercial Joint Stock Bank and its competitors. For the Banks industry, the median 12-1 Month Momentum % is 20.00 — 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 12-1 Month Momentum % is 49.70%. 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 ₫51,881.51, compared to a current price of ₫71,300.00 — trading 37.4% above its estimated fair value. The current 12-1 Month Momentum % is 49.70% and 148.5% above the Banks industry median of 20.00. Saigon Treasure Commercial Joint Stock Bank's overall GF Score™ is 70/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 12-1 Month Momentum % calculated?
12-1 Month Momentum % is calculated from a company's financial statements. For Saigon Treasure Commercial Joint Stock Bank (STC:STB), the current 12-1 Month Momentum % is 49.70% as of Aug. 01, 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 ₫71,300.00 is trading 37.4% above its estimated GF Value™ of ₫51,881.51.
GuruFocus considers Saigon Treasure Commercial Joint Stock Bank to be Significantly Overvalued.
Key valuation signals for STC:STB:
12-1 Month Momentum %: 49.70%
GF Value™: ₫51,881.51 vs. price of ₫71,300.00 (37.4% above fair value)
Industry Position: 148.5% above the Banks median (#231 of 1596)
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 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.
70GF Score
Get the complete analysis for STC:STB
12-1 Month Momentum % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
STC:STB has been successfully added to your 
