` Comparison: STB vs BAC - Alpha Spread

S
STB
vs
BAC

Over the past 12 months, STB has significantly outperformed BAC, delivering a return of +72% compared to the BAC's +10% growth.

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STB
BAC
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Valuation Comparison

S
STB Intrinsic Value
35 869.51 VND
Overvaluation 46%
Intrinsic Value
Price
BAC Intrinsic Value
65.1 USD
Undervaluation 23%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
S
Saigon Thuong Tin Commercial Joint Stock Bank
VN:STB
67 000 VND
Bank of America Corp
NYSE:BAC
49.97 USD
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
STB, BAC

STB
BAC
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Revenue
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Company LTM Historical Growth Growth Streak % Positive Years Max Drawdown Volatility Forecasted Growth
3 Years 5 Years 10 Years 1 Year 3 Years
S
Saigon Thuong Tin Commercial Joint Stock Bank
Revenue
Bank of America Corp
Revenue

All metrics are calculated based on data from the last 10 years.

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Profitability Comparison

Free Cash Flow
STB, BAC

STB
BAC
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Free Cash Flow
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Company LTM Average Historical Growth FCF Margin Conversion
3 Years 5 Years 3 Years 5 Years 10 Years
S
Saigon Thuong Tin Commercial Joint Stock Bank
VN:STB
FCF is not applicable for financial companies
Bank of America Corp
NYSE:BAC
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

STB
BAC
LTM 3Y Avg 5Y Avg 10Y Avg
S
Saigon Thuong Tin Commercial Joint Stock Bank
Not applicable for financial companies
Bank of America Corp
Not applicable for financial companies

Operating Margin

STB
BAC
LTM 3Y Avg 5Y Avg 10Y Avg
S
Saigon Thuong Tin Commercial Joint Stock Bank
Not applicable for financial companies
Bank of America Corp
Not applicable for financial companies

Net Margin

STB
16.6%
BAC
25.7%

FCF Margin

STB
BAC
LTM 3Y Avg 5Y Avg 10Y Avg
S
Saigon Thuong Tin Commercial Joint Stock Bank
Not applicable for financial companies
Bank of America Corp
Not applicable for financial companies

ROE

STB
10.3%
BAC
9.7%

ROA

STB
0.7%
BAC
0.9%

ROIC

STB
BAC
LTM 3Y Avg 5Y Avg 10Y Avg
S
Saigon Thuong Tin Commercial Joint Stock Bank
Not applicable for financial companies
Bank of America Corp
Not applicable for financial companies

ROCE

STB
BAC
LTM 3Y Avg 5Y Avg 10Y Avg
S
Saigon Thuong Tin Commercial Joint Stock Bank
Not applicable for financial companies
Bank of America Corp
Not applicable for financial companies

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
STB, BAC

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Performance Gap
STB, BAC

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STB
BAC
Difference
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Performance By Year
STB, BAC

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STB
BAC
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Intrinsic Value is all-important and is the only logical way to evaluate the relative attractiveness of investments and businesses.

Warren Buffett