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3-1 Month Momentum % is the total return of the stock from 3-month ago to 1-month ago. As of today (2026-07-23), Saigon Treasure Commercial Joint Stock Bank's 3-1 Month Momentum % is 7.07%.
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 3-1 Month Momentum % measures the total return to a stock over the past three 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 3-1 Month Momentum % Related Terms
For the Banks - Regional subindustry, Saigon Treasure Commercial Joint Stock Bank's 3-1 Month Momentum %, along with its competitors' market caps and 3-1 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 3-1 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 3-1 Month Momentum % of 7.07% as of Jul. 23, 2026. 3-1 Month Momentum measures the total return of the stock from 3-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 #439 out of 1569 companies in the Banks industry, placing it in the top 28%.
Is Saigon Treasure Commercial Joint Stock Bank's 3-1 Month Momentum % too high?
Saigon Treasure Commercial Joint Stock Bank's current 3-1 Month Momentum % is 7.07%. The Banks industry median 3-1 Month Momentum % is 2.03. Saigon Treasure Commercial Joint Stock Bank's value of 7.07% is 248.3% above this industry median. Based on the distribution chart, Saigon Treasure Commercial Joint Stock Bank ranks #439 out of 1569 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 3-1 Month Momentum % compare to competitors?
According to the Banks industry distribution chart, Saigon Treasure Commercial Joint Stock Bank ranks #439 out of 1569 companies for 3-1 Month Momentum %. This puts Saigon Treasure Commercial Joint Stock Bank in the upper half of its industry. The industry median 3-1 Month Momentum % is 2.03. Saigon Treasure Commercial Joint Stock Bank's value of 7.07% is 248.3% 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 3-1 Month Momentum % for a Banks company?
The median 3-1 Month Momentum % among Banks companies is 2.03, based on 1,569 companies in the industry. Companies in the top quartile (top 25%) have a 3-1 Month Momentum % significantly above this median, while those in the bottom quartile fall well below. However, 3-1 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 3-1 Month Momentum % of 7.07% is 248.3% 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 3-1 Month Momentum % mean?
A high 3-1 Month Momentum % can signal that a stock is expensive relative to its fundamentals. 3-1 Month Momentum measures the total return of the stock from 3-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 3-1 Month Momentum % is 2.03 — 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 3-1 Month Momentum % is 7.07%. 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 ₫51,765.28, compared to a current price of ₫71,000.00 — trading 37.2% above its estimated fair value. The current 3-1 Month Momentum % is 7.07% and 248.3% above the Banks industry median of 2.03. 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 3-1 Month Momentum % calculated?
3-1 Month Momentum % is calculated from a company's financial statements. For Saigon Treasure Commercial Joint Stock Bank (STC:STB), the current 3-1 Month Momentum % is 7.07% as of Jul. 23, 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 ₫71,000.00 is trading 37.2% above its estimated GF Value™ of ₫51,765.28.
GuruFocus considers Saigon Treasure Commercial Joint Stock Bank to be Significantly Overvalued.
Key valuation signals for STC:STB:
3-1 Month Momentum %: 7.07%
GF Value™: ₫51,765.28 vs. price of ₫71,000.00 (37.2% above fair value)
Industry Position: 248.3% above the Banks median (#439 of 1569)
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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