* The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
STC:STB's PEG Ratio is ranked better than 61.35% of 1229
companies
in the Banks industry
Industry Median: 1.52
vs STC:STB: 1.18
Peter Lynch thinks a company with a P/E ratio equal to its growth rate is fairly valued.
Saigon Treasure Commercial Joint Stock Bank (STC:STB) PEG Ratio Explanation
To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the P/E ratio divided by the growth ratio. He thinks a company with a P/E ratio equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a P/E of 20, instead of a company growing 10% a year with a P/E of 10.
Saigon Treasure Commercial Joint Stock Bank PEG Ratio Related Terms
Saigon Treasure Commercial Joint Stock Bank PEG 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 PEG Ratio Chart
Saigon Treasure Commercial Joint Stock Bank Annual Data
Saigon Treasure Commercial Joint Stock Bank PEG Ratio Competitor Comparison
For the Banks - Regional subindustry, Saigon Treasure Commercial Joint Stock Bank's PEG Ratio, along with its competitors' market caps and PEG 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 PEG Ratio 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.
* Note: The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
Saigon Treasure Commercial Joint Stock Bank (STC:STB) has a PEG Ratio of 1.18 as of Jun. 28, 2026. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on Saigon Treasure Commercial Joint Stock Bank and its competitors. This is 46% above median its historical median of 0.81. Over the past decade, Saigon Treasure Commercial Joint Stock Bank's PEG Ratio has ranged from 0.25 to 5.79. According to the industry distribution chart, Saigon Treasure Commercial Joint Stock Bank ranks #475 out of 1229 companies in the Banks industry, placing it in the top 38.6%.
Is Saigon Treasure Commercial Joint Stock Bank's PEG Ratio too high?
Saigon Treasure Commercial Joint Stock Bank's current PEG Ratio of 1.18 is 46% above median its 10-year median of 0.81. Over the past 10 years, this metric has ranged from a low of 0.25 to a high of 5.79. The Banks industry median PEG Ratio is 1.52. Saigon Treasure Commercial Joint Stock Bank's value of 1.18 is 22.4% below this industry median. Based on the distribution chart, Saigon Treasure Commercial Joint Stock Bank ranks #475 out of 1229 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 PEG Ratio compare to competitors?
According to the Banks industry distribution chart, Saigon Treasure Commercial Joint Stock Bank ranks #475 out of 1229 companies for PEG Ratio. This puts Saigon Treasure Commercial Joint Stock Bank in the upper half of its industry. The industry median PEG Ratio is 1.52. Saigon Treasure Commercial Joint Stock Bank's value of 1.18 is 22.4% below this benchmark. Historically, Saigon Treasure Commercial Joint Stock Bank's own PEG Ratio has ranged from 0.25 to 5.79 over the past decade. While the company's 10-year median is 0.81 vs. the industry median of 1.52, 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 PEG Ratio for a Banks company?
The median PEG Ratio among Banks companies is 1.52, based on 1,229 companies in the industry. Companies in the top quartile (top 25%) have a PEG Ratio significantly above this median, while those in the bottom quartile fall well below. However, PEG 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 PEG Ratio of 1.18 is 22.4% 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 PEG Ratio mean?
A high PEG Ratio can signal that a stock is expensive relative to its fundamentals. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on Saigon Treasure Commercial Joint Stock Bank and its competitors. For the Banks industry, the median PEG Ratio is 1.52 — 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 PEG Ratio is 1.18, which is 46% above median its own 10-year median of 0.81. 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 ₫51,722.93, compared to a current price of ₫73,700.00 — trading 42.5% above its estimated fair value. The current PEG Ratio is 1.18, which is 46% above median its 10-year median of 0.81 and 22.4% below the Banks industry median of 1.52. 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 PEG Ratio calculated?
PEG Ratio is calculated from a company's financial statements. For Saigon Treasure Commercial Joint Stock Bank (STC:STB), the current PEG Ratio is 1.18 as of Jun. 28, 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 ₫73,700.00 is trading 42.5% above its estimated GF Value™ of ₫51,722.93.
GuruFocus considers Saigon Treasure Commercial Joint Stock Bank to be Significantly Overvalued.
Key valuation signals for STC:STB:
PEG Ratio: 1.18 (46% above median its 10-year median of 0.81)
GF Value™: ₫51,722.93 vs. price of ₫73,700.00 (42.5% above fair value)
Industry Position: 22.4% below the Banks median (#475 of 1229)
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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