Saigon Treasure Commercial Joint Stock Bank (STC:STB) Selling, General, & Admin. Expense: ₫-589,427 Mil (TTM As of Mar. 2026)


STC:STB Saigon Treasure Commercial Joint Stock Bank STC:STB
78 GF Score
Price ₫71,700.00
GF Value ₫51,690.06
Valuation Significantly Overvalued
! 5 Warning Signs
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What is Saigon Treasure Commercial Joint Stock Bank Selling, General, & Admin. Expense?

Saigon Treasure Commercial Joint Stock Bank STC:STB +0.70% 78 Selling, General, & Admin. Expense is ₫-589,427 Mil as of Mar. 2026. GuruFocus rates STC:STB with a GF Score™ of 78/100 and a GF Value™ of ₫51,690.06 (Significantly Overvalued). The stock has 5 warning signs investors should review.

Selling, general, & admin. expense (SGA) includes the direct and indirect costs and all general and administrative expenses of a company. Saigon Treasure Commercial Joint Stock Bank's selling, general, & admin. expense for the three months ended in Mar. 2026 was ₫0 Mil. Its selling, general, & admin. expense for the trailing twelve months (TTM) ended in Mar. 2026 was ₫-589,427 Mil.


Saigon Treasure Commercial Joint Stock Bank  (STC:STB) Selling, General, & Admin. Expense Explanation

An efficient operation keeps SGA costs low and thus has higher profit margin. The percentage of SGA relative to total revenue is an indication of how efficiently the company operates. Compare this percentage among the companies in the same industry is a good way of finding more efficient operations. A comparison of the SGA cost relative to the revenue with the historical value can also be an indication of how efficient the company has become.

Warren Buffett likes companies with consistent SGA as the percentage of gross profit.

Companies with no durable competitive advantage show wild variation in SG&A as % of Gross Profit.

If SGA is less than 30% of Gross Profit, it is fantastic. If SGA is nearing 100%, it is is in highly competitive industry.


Saigon Treasure Commercial Joint Stock Bank Selling, General, & Admin. Expense Related Terms


Saigon Treasure Commercial Joint Stock Bank Selling, General, & Admin. Expense Historical Data

* Premium members only.

The historical data trend for Saigon Treasure Commercial Joint Stock Bank's Selling, General, & Admin. Expense can be seen below:

* 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 Selling, General, & Admin. Expense Chart

Saigon Treasure Commercial Joint Stock Bank Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Selling, General, & Admin. Expense
Get a 7-Day Free Trial Premium Member Only Premium Member Only 451,722.00 711,307.00 813,544.00 875,014.00 742,460.00

Saigon Treasure Commercial Joint Stock Bank Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Selling, General, & Admin. Expense Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.00 0.00 0.00 -589,427.00 0.00

Saigon Treasure Commercial Joint Stock Bank Selling, General, & Admin. Expense Competitor Comparison

For the Banks - Regional subindustry, Saigon Treasure Commercial Joint Stock Bank's Selling, General, & Admin. Expense, along with its competitors' market caps and Selling, General, & Admin. Expense 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 Selling, General, & Admin. Expense vs Banks Industry

For the Banks industry and Financial Services sector, Saigon Treasure Commercial Joint Stock Bank's Selling, General, & Admin. Expense distribution charts can be found below:

* The bar in red indicates where Saigon Treasure Commercial Joint Stock Bank's Selling, General, & Admin. Expense falls into.


STC:STB
78GF Score
Saigon Treasure Commercial Joint Stock Bank STC:STB
Selling, General, & Admin. Expense is just one metric. See GF Score™, valuation, warning signs, and more.
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Saigon Treasure Commercial Joint Stock Bank Selling, General, & Admin. Expense Calculation

Selling, General, & Admin. Expense (SGA) includes the direct and indirect costs and all general and administrative expenses of a company. For instance, personnel cost, advertising, rent, communication costs are all part of SGA.

Selling, General, & Admin. Expense for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₫-589,427 Mil.

* 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.

What does a Selling, General, & Admin. Expense of ₫-589,427 Mil mean?
Saigon Treasure Commercial Joint Stock Bank (STC:STB) has a Selling, General, & Admin. Expense of ₫-589,427 Mil as of Mar. 2026. Selling, general and admin expense is the total cost for direct, indirect, general and administrative activities. View historical data on Saigon Treasure Commercial Joint Stock Bank and its competitors.
Is Saigon Treasure Commercial Joint Stock Bank's Selling, General, & Admin. Expense too high?
Saigon Treasure Commercial Joint Stock Bank's current Selling, General, & Admin. Expense is ₫-589,427 Mil. 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 Selling, General, & Admin. Expense compare to competitors?
Saigon Treasure Commercial Joint Stock Bank's Selling, General, & Admin. Expense of ₫-589,427 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Selling, General, & Admin. Expense for a Banks company?
A good Selling, General, & Admin. Expense depends on the Banks industry context. However, Selling, General, & Admin. Expense should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Selling, General, & Admin. Expense mean?
A high Selling, General, & Admin. Expense can signal that a stock is expensive relative to its fundamentals. Selling, general and admin expense is the total cost for direct, indirect, general and administrative activities. View historical data on Saigon Treasure Commercial Joint Stock Bank and its competitors. Saigon Treasure Commercial Joint Stock Bank's current Selling, General, & Admin. Expense is ₫-589,427 Mil. 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 Selling, General, & Admin. Expense is ₫-589,427 Mil. 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 Selling, General, & Admin. Expense calculated?
Selling, General, & Admin. Expense is calculated from a company's financial statements. For Saigon Treasure Commercial Joint Stock Bank (STC:STB), the current Selling, General, & Admin. Expense is ₫-589,427 Mil 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:

  • Selling, General, & Admin. Expense: ₫-589,427 Mil
  • GF Value™: ₫51,690.06 vs. price of ₫71,700.00 (38.7% above fair value)
  • GF Score™: 78/100 with 5 warning signs

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

Address 266-268 Nam Ky Khoi Nghia Street, Xuan Hoa Ward, Ho Chi Minh City, VNM
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

Get the complete analysis for STC:STB

Selling, General, & Admin. Expense is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₫71,700.00
Price
₫51,690.06
GF Value