STBA
Valuation Ratios
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Price to Earnings | 11.14 | 8.83 | 9.84 | 11.24 |
| Price to Sales | 3.81 | 3.14 | 3.56 | 3.64 |
| Book Value Per Common Share | 36.08 | 33.57 | 30.38 | 30.66 |
| Price to Book | 1.06 | 1.00 | 1.13 | 1.03 |
| Price to Operating Cash Flow | 8.43 | 7.44 | 5.54 | 5.77 |
| Price to Free Cash Flow | 8.58 | 7.72 | 5.63 | 5.87 |
| Enterprise Value to EBITDA |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 |
|---|---|---|---|---|---|---|---|
| Price to Earnings | 41.31 | 45.57 | 42.59 | 44.23 | 49.38 | 37.10 | 39.12 |
| Price to Sales | 305.36 | 315.96 | 338.36 | 15.50 | 342.61 | 271.02 | 289.27 |
| Book Value Per Common Share | 38.47 | 37.70 | 37.06 | 36.08 | 35.96 | 34.54 | 33.87 |
| Price to Book | 0.98 | 1.00 | 1.00 | 1.06 | 1.17 | 0.97 | 0.95 |
| Price to Operating Cash Flow | 20.84 | 51.26 | 49.41 | 26.69 | 21.72 | 28.59 | 26.42 |
| Price to Free Cash Flow | 52.57 | 27.12 | 26.79 | ||||
| Enterprise Value to EBITDA |
Earnings Data
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Earning YoY | -9.40 | 8.98 | 23.92 | |
| Revenue YoY | -5.69 | 8.82 | 9.75 | |
| EBITDA YoY | ||||
| Net Profit YoY | -9.25 | 7.02 | 23.02 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 |
|---|---|---|---|---|---|---|---|
| Earning YoY | 9.64 | -4.60 | 0.67 | 1.67 | -5.56 | 9.76 | |
| Revenue YoY | 2.92 | 9.55 | -95.56 | 1912.14 | -0.53 | 11.29 | |
| EBITDA YoY | |||||||
| Net Profit YoY | 9.60 | -4.49 | 1.02 | 1.46 | -5.18 | 10.03 |
Financial Strength
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Cash Per Common Share | ||||
| Quick Ratio | ||||
| Current Ratio | ||||
| Debt to Equity | 6.00 | 6.44 | 6.69 | 6.86 |
| Long-Term Debt to Equity |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 |
|---|---|---|---|---|---|---|---|
| Cash Per Common Share | 5.15 | 5.33 | 5.57 | 6.08 | 6.55 | 5.46 | |
| Quick Ratio | |||||||
| Current Ratio | |||||||
| Debt to Equity | 5.65 | 5.79 | 5.85 | 6.00 | 5.97 | 6.29 | 6.37 |
| Long-Term Debt to Equity |
Profitability
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| ROA | 1.36 | 1.51 | 1.48 | 1.16 |
| ROE | 9.51 | 11.27 | 11.41 | 9.11 |
| Gross Margin | ||||
| Operating Margin | ||||
| EBITDA Margin | ||||
| Net Profit Margin | 34.19 | 35.53 | 36.13 | 32.23 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 |
|---|---|---|---|---|---|---|---|
| ROA | 0.36 | 0.33 | 0.34 | 0.34 | 0.34 | 0.36 | 0.33 |
| ROE | 2.37 | 2.21 | 2.36 | 2.40 | 2.37 | 2.60 | 2.41 |
| Gross Margin | |||||||
| Operating Margin | 1825.88 | 1794.20 | 1987.25 | 1886.52 | 1750.44 | 1790.37 | |
| EBITDA Margin | |||||||
| Net Profit Margin | 740.41 | 695.29 | 797.54 | 35.05 | 695.18 | 729.28 | 737.64 |
Dividends
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Dividend Yield | 0.00 | 0.00 | 0.00 | 0.00 |
| Dividend Payout Ratio | 38.84 | 34.37 | 34.74 | 40.35 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 |
|---|---|---|---|---|---|---|---|
| Dividend Yield | 0.00 | ||||||
| Dividend Payout Ratio | 39.36 |
Financial Statements
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Assets | 9,657,972.00 | 9,551,526.00 | 9,110,567.00 | 9,488,529.00 |
| Cash and Short-Term Investments | 0 | 0 | 0 | 0 |
| Cash and Cash Equivalents | 244,820.00 | 233,612.00 | 210,009.00 | 922,215.00 |
| Short-Term Investments | 987,591.00 | 970,391.00 | 1,002,778.00 | 910,793.00 |
| Net Receivables | 0 | 0 | 0 | 0 |
| Inventory | 0 | 0 | 0 | 0 |
| Other Current Assets | 0 | 0 | 0 | 0 |
| Property, Plant, Equipment Net | 45,033.00 | 49,006.00 | 49,285.00 | 52,632.00 |
| Goodwill | 373,424.00 | 373,424.00 | 373,424.00 | 373,424.00 |
| Intangible Assets | 3,055.00 | 4,059.00 | 5,378.00 | 6,895.00 |
| Long-Term Investments | 987,591.00 | 970,391.00 | 1,002,778.00 | 910,793.00 |
| Non-Current Deferred Assets | 0 | 0 | 0 | 0 |
| Other Non-Current Assets | 0 | 0 | 0 | 0 |
| Liabilities | 8,277,678.00 | 8,268,081.00 | 7,925,908.00 | 8,282,075.00 |
| Payables and Expenses | 0 | 0 | 0 | 0 |
| Account Payables | 0 | 0 | 0 | 0 |
| Current Accrued Liabilities | 0 | 0 | 0 | 0 |
| Short-Term Debt | 150,000.00 | 415,000.00 | 370,000.00 | 0 |
| Other Current Liabilities | 0 | 0 | 0 | 0 |
| Long-Term Debt | 100,314.00 | 88,635.00 | 69,194.00 | 76,823.00 |
| Other Non-Current Liabilities | 0 | 0 | 0 | 0 |
| Equity | 1,380,294.00 | 1,283,445.00 | 1,184,659.00 | 1,206,454.00 |
| Shareholders Equity | 1,380,294.00 | 1,283,445.00 | 1,184,659.00 | 1,206,454.00 |
| Capital Stock | 103,623.00 | 103,623.00 | 103,623.00 | 103,623.00 |
| Share Premium | 411,785.00 | 409,034.00 | 406,283.00 | 403,095.00 |
| Retained Earnings | 1,039,035.00 | 959,604.00 | 863,948.00 | 773,659.00 |
| Treasury Shares | 97,157.00 | 97,915.00 | 77,070.00 | 66,833.00 |
| Accumulated Other Comprehensive Income | -76,992.00 | -90,901.00 | -112,125.00 | -7,090.00 |
| Minority Interest | 0 | 0 | 0 | 0 |
| Debt | 250,314.00 | 503,635.00 | 439,194.00 | 76,823.00 |
| Net Debt | 5,494.00 | 270,023.00 | 229,185.00 | 0 |
| Common Shares Outstanding | 38,259.45 | 38,232.81 | 38,999.73 | 39,351.19 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Revenues | 383,889.00 | 407,030.00 | 374,042.00 | 340,809.00 |
| Interest Income | 514,816.00 | 475,587.00 | 340,188.00 | 288,759.00 |
| Interest Expense | 181,066.00 | 128,491.00 | 24,968.00 | 13,149.00 |
| Non-Interest Expense | 218,938.00 | 210,334.00 | 196,746.00 | 188,925.00 |
| Selling, General and Administrative Expenses | 132,542.00 | 122,072.00 | 111,675.00 | 108,991.00 |
| EBT | 164,818.00 | 178,804.00 | 168,930.00 | 135,668.00 |
| Income Tax | 33,553.00 | 34,023.00 | 33,410.00 | 25,325.00 |
| Net Income Including Non-Controlling Interests | 131,265.00 | 144,781.00 | 135,520.00 | 110,343.00 |
| Net Income | 131,252.00 | 144,625.00 | 135,139.00 | 109,851.00 |
| Deprecation and Amortization | 10,865.00 | 7,520.00 | 9,027.00 | 11,480.00 |
| EPS | 0.00 | 0.00 | 0.00 | 0.00 |
| Diluted EPS | 0.00 | 0.00 | 0.00 | 0.00 |
| Average Shares Outstanding Basic | 38,259.45 | 38,232.81 | 38,999.73 | 39,351.19 |
| Average Shares Outstanding Diluted | 38,523.69 | 38,655.40 | 39,030.93 | 39,351.19 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Operating Cash Flow | 173,367.00 | 171,749.00 | 240,525.00 | 214,852.00 |
| Operating Net Income | 131,265.00 | 144,781.00 | 135,520.00 | 110,343.00 |
| Deprecation and Amortization | 10,865.00 | 7,520.00 | 9,027.00 | 11,480.00 |
| Deferred Income Tax | -296.00 | 601.00 | -2,932.00 | 2,383.00 |
| Share Based Compensation | 4,622.00 | 3,874.00 | 3,188.00 | 2,427.00 |
| Change in Working Capital | 15,596.00 | -3,450.00 | 83,044.00 | 49,735.00 |
| Other Operating Activities | 11,315.00 | 18,423.00 | 12,678.00 | 38,484.00 |
| Investing Cash Flow | -118,292.00 | -444,219.00 | -398,678.00 | 13,239.00 |
| Capital Expenditure | 0 | 0 | 0 | 0 |
| Net Purchase/Sale of PPE | -2,936.00 | -5,509.00 | -3,702.00 | -3,597.00 |
| Net Purchase/Sale of Investments Net | -29,025.00 | 35,744.00 | -209,825.00 | -166,795.00 |
| Net Purchase/Sale of Business | 0 | 0 | 0 | 0 |
| Other Investing Activities | 0 | 0 | 0 | 183,631.00 |
| Financing Cash Flow | -43,867.00 | 296,073.00 | -554,053.00 | 464,458.00 |
| Net Issuance/Repayment of Debt | -253,381.00 | 64,536.00 | 277,820.00 | -66,673.00 |
| Net Issuance/Repurchase of Equity | -870.00 | -20,606.00 | -8,445.00 | -630.00 |
| Dividends Paid | -50,974.00 | -49,708.00 | -46,952.00 | -44,325.00 |
| Other Financing Activities | 261,358.00 | 301,851.00 | -776,476.00 | 576,086.00 |
| Net Change in Cash | 11,208.00 | 23,603.00 | -712,206.00 | 692,549.00 |
| Cash at Beginning of Period | 233,612.00 | 210,009.00 | 922,215.00 | 229,666.00 |
| Cash at End of Period | 244,820.00 | 233,612.00 | 210,009.00 | 922,215.00 |
| Free Cash Flow | 170,373.00 | 165,530.00 | 236,662.00 | 211,241.00 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 |
|---|---|---|---|---|---|---|---|
| Assets | 9,817,483.00 | 9,810,069.00 | 9,718,276.00 | 9,657,972.00 | 9,583,947.00 | 9,635,462.00 | 9,539,103.00 |
| Deposits | 12,909,283.00 | 12,921,243.00 | 12,811,653.00 | 0 | 12,378,921.00 | 12,364,766.00 | 12,163,038.00 |
| Cash and Short-Term Investments | 197,547.00 | 204,282.00 | 212,997.00 | 0 | 232,545.00 | 250,429.00 | 208,397.00 |
| Cash and Cash Equivalents | 196,228.00 | 203,118.00 | 211,836.00 | 244,820.00 | 228,090.00 | 246,310.00 | 207,462.00 |
| Short-Term Investments | 1,319.00 | 1,164.00 | 1,161.00 | 987,591.00 | 4,455.00 | 4,119.00 | 935.00 |
| Net Receivables | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Inventory | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Current Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Property, Plant, Equipment Net | 44,146.00 | 45,019.00 | 45,319.00 | 45,033.00 | 45,917.00 | 46,959.00 | 47,956.00 |
| Goodwill | 373,424.00 | 373,424.00 | 373,424.00 | 373,424.00 | 373,424.00 | 373,424.00 | 373,424.00 |
| Intangible Assets | 2,450.00 | 2,656.00 | 2,813.00 | 3,055.00 | 3,173.00 | 0 | 0 |
| Long-Term Investments | 0 | 0 | 0 | 987,591.00 | 0 | 0 | 0 |
| Non-Current Deferred Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Non-Current Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Liabilities | 8,342,017.00 | 8,364,576.00 | 8,300,242.00 | 8,277,678.00 | 8,208,193.00 | 8,314,019.00 | 8,244,029.00 |
| Payables and Expenses | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Account Payables | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Current Accrued Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Short-Term Debt | 135,000.00 | 150,000.00 | 95,000.00 | 150,000.00 | 225,000.00 | 275,000.00 | 285,000.00 |
| Other Current Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Long-Term Debt | 49,463.00 | 49,448.00 | 49,433.00 | 100,314.00 | 49,403.00 | 49,388.00 | 49,373.00 |
| Other Non-Current Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Equity | 1,475,466.00 | 1,445,493.00 | 1,418,034.00 | 1,380,294.00 | 1,375,754.00 | 1,321,443.00 | 1,295,074.00 |
| Shareholders Equity | 1,475,466.00 | 1,445,493.00 | 1,418,034.00 | 1,380,294.00 | 1,375,754.00 | 1,321,443.00 | 1,295,074.00 |
| Capital Stock | 103,623.00 | 103,623.00 | 103,623.00 | 103,623.00 | 103,623.00 | 103,623.00 | 103,623.00 |
| Share Premium | 411,689.00 | 410,891.00 | 412,787.00 | 411,785.00 | 410,752.00 | 409,874.00 | 409,857.00 |
| Retained Earnings | 1,100,028.00 | 1,078,166.00 | 1,059,367.00 | 1,039,035.00 | 1,019,033.00 | 999,115.00 | 977,195.00 |
| Treasury Shares | -94,684.00 | -94,785.00 | -97,108.00 | 97,157.00 | -97,146.00 | -97,235.00 | -97,904.00 |
| Accumulated Other Comprehensive Income | -45,190.00 | -52,402.00 | -60,635.00 | -76,992.00 | -60,508.00 | -93,934.00 | -97,697.00 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 15,042.00 | 15,817.00 | 13,445.00 | 0 | 11,484.00 | 12,056.00 | 13,703.00 |
| Debt | 235,299.00 | 250,304.00 | 195,309.00 | 250,314.00 | 338,418.00 | 363,422.00 | 373,529.00 |
| Net Debt | 37,752.00 | 46,022.00 | 0 | 5,494.00 | 105,873.00 | 112,993.00 | 165,132.00 |
| Common Shares Outstanding | 38,350.50 | 38,345.45 | 38,261.30 | 38,259.45 | 38,259.73 | 38,256.20 | 38,233.28 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 |
|---|---|---|---|---|---|---|---|
| Revenues | 4,722.00 | 4,588.00 | 4,188.00 | 94,329.00 | 4,688.00 | 4,713.00 | 4,235.00 |
| Interest Income | 131,623.00 | 128,906.00 | 124,848.00 | 127,665.00 | 131,474.00 | 128,765.00 | 127,754.00 |
| Interest Expense | 42,382.00 | 42,334.00 | 41,525.00 | 44,621.00 | 46,997.00 | 39,629.00 | 36,662.00 |
| Net Interest | 89,241.00 | 86,572.00 | 83,323.00 | 0 | 84,477.00 | 83,594.00 | 83,477.00 |
| Non-Interest Income | 13,763.00 | 13,500.00 | 10,429.00 | 0 | 11,877.00 | 13,305.00 | 12,830.00 |
| Non-Interest Expense | -56,376.00 | -58,114.00 | -55,091.00 | 55,445.00 | -55,365.00 | -53,608.00 | -54,520.00 |
| Selling, General and Administrative Expenses | 13,457.00 | 14,188.00 | 13,627.00 | 33,483.00 | 13,316.00 | 12,104.00 | 14,358.00 |
| EBT | 43,836.00 | 39,984.00 | 41,701.00 | 41,346.00 | 41,443.00 | 42,869.00 | 39,160.00 |
| Income Tax | 8,874.00 | 8,084.00 | 8,300.00 | 8,281.00 | 8,853.00 | 8,498.00 | 7,921.00 |
| Net Income Including Non-Controlling Interests | 0 | 0 | 0 | 33,065.00 | 0 | 0 | 0 |
| Net Income | 34,962.00 | 31,900.00 | 33,401.00 | 33,065.00 | 32,590.00 | 34,371.00 | 31,239.00 |
| EBIT | 86,218.00 | 82,318.00 | 83,226.00 | 0 | 88,440.00 | 82,498.00 | 75,822.00 |
| Deprecation and Amortization | 0.00 | 0.00 | 0.00 | 0 | 0.00 | 0.00 | 0.00 |
| EPS | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Diluted EPS | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Average Shares Outstanding Basic | 38,346.95 | 38,337.85 | 38,260.75 | 38,259.45 | 38,255.18 | 38,243.86 | 38,192.24 |
| Average Shares Outstanding Diluted | 38,595.12 | 38,637.40 | 38,599.66 | 38,570.78 | 38,560.41 | 38,531.69 | 38,431.75 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 |
|---|---|---|---|---|---|---|---|
| Operating Cash Flow | 69,181.00 | 28,284.00 | 28,692.00 | 54,782.00 | 73,917.00 | 44,668.00 | 46,378.00 |
| Operating Net Income | 0.00 | 0.00 | 0 | 0 | 0.00 | 0.00 | 0 |
| Deprecation and Amortization | 0.00 | 0.00 | 0 | 0 | 0.00 | 0.00 | 0 |
| Deferred Income Tax | 0.00 | 0.00 | 0 | 0 | 0.00 | 0.00 | 0 |
| Share Based Compensation | 0.00 | 0.00 | 0 | 0 | 0.00 | 0.00 | 0 |
| Change in Working Capital | 0.00 | 0.00 | 0 | 0 | 0.00 | 0.00 | 0 |
| Other Operating Activities | 69,181.00 | 28,284.00 | 28,692.00 | 54,782.00 | 73,917.00 | 44,668.00 | 46,378.00 |
| Investing Cash Flow | -123,608.00 | -105,298.00 | -103,414.00 | -65,175.00 | 9,119.00 | -62,236.00 | -8,338.00 |
| Capital Expenditure | 0.00 | 0.00 | -1,726.00 | 0 | 0.00 | 0.00 | -643.00 |
| Net Purchase/Sale of PPE | -2,330.00 | -1,190.00 | -1,726.00 | -858.00 | -1,229.00 | -849.00 | -533.00 |
| Net Purchase/Sale of Investments Net | 20,244.00 | -813.00 | -8,349.00 | -7,052.00 | -10,583.00 | -4,848.00 | -7,151.00 |
| Net Purchase/Sale of Business | 0.00 | 0.00 | 0 | 0 | 0.00 | 0.00 | 0 |
| Net Loan & Lease Activity | 0 | 0 | 0 | 0 | |||
| Other Investing Activities | 946.00 | -4,313.00 | 1,699.00 | -57,265.00 | 16,463.00 | 473.00 | 17,993.00 |
| Financing Cash Flow | 14,553.00 | 68,296.00 | 41,738.00 | 27,123.00 | -127,406.00 | 56,416.00 | -64,190.00 |
| Net Issuance/Repayment of Debt | -40.00 | -20.00 | -20.00 | -88,119.00 | 24,860.00 | -122.00 | -121.00 |
| Net Issuance/Repurchase of Equity | -170.00 | -1,495.00 | -41.00 | -21.00 | -105.00 | -744.00 | -37.00 |
| Dividends Paid | 26,076.00 | 13,176.00 | 13,017.00 | -13,013.00 | 25,252.00 | 12,709.00 | 12,616.00 |
| Other Financing Activities | -11,313.00 | 56,635.00 | 28,782.00 | 128,276.00 | -177,413.00 | 44,573.00 | -76,648.00 |
| Net Change in Cash | -39,874.00 | -8,718.00 | -32,984.00 | 16,730.00 | -44,370.00 | 38,848.00 | -26,150.00 |
| Cash at Beginning of Period | 236,102.00 | 211,836.00 | 244,820.00 | 228,090.00 | 272,460.00 | 207,462.00 | 233,612.00 |
| Cash at End of Period | 196,228.00 | 203,118.00 | 211,836.00 | 244,820.00 | 228,090.00 | 246,310.00 | 207,462.00 |
| Free Cash Flow | 0.00 | 0.00 | 26,966.00 | 53,922.00 | 0.00 | 0.00 | 45,735.00 |