Secure Trust Bank (STB) Price & Analysis

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STB Stock Chart & Stats

1290.00 p

-3.00 p(-0.85%)

At close: Jan 09 4:00 PM EST

1290.00 p

-3.00 p(-0.85%)

Day’s Range― - ―

52-Week Range494.00 p - 1,550.00 p

Previous CloseN/A

Volume22.35K

Average Volume (3M)133.08K

Market Cap

£249.25M

Enterprise Value23.75M

Total Cash (Recent Filing)£528.10M

Total Debt (Recent Filing)£302.60M

Price to Earnings (P/E)―

Beta1.16

Next Earnings

Aug 06, 2026

EPS EstimateN/A

Next Dividend Ex-DateN/A

Dividend Yield2.66%

Share Statistics

EPS (TTM)0.05

Shares Outstanding19,104,956

10 Day Avg. Volume263,311

30 Day Avg. Volume133,079

Financial Highlights & Ratios

PEG Ratio2.83

Price to Book (P/B)0.62

Price to Sales (P/S)0.69

P/FCF Ratio1.50

Enterprise Value/Market CapN/A

Enterprise Value/RevenueN/A

Enterprise Value/Gross ProfitN/A

Enterprise Value/EbitdaN/A

Forecast

1Y Price TargetN/A

Price Target UpsideN/A

Rating ConsensusN/A

Number of Analyst Covering0

EPS Forecast (FY)2.87

Revenue Forecast (FY)£205.67M

Bulls Say, Bears Say

Bulls Say

Strong Recent Revenue GrowthA large revenue increase in 2025 signals expanding lending volumes or pricing power in core specialist lending lines. Sustained top-line growth materially boosts net interest income potential and scale economics, improving the bank's ability to absorb credit shocks and reinvest in origination capacity.

Improving Capital StructureReduced debt and higher equity bolster solvency and regulatory headroom, lowering funding risk and interest burden. A stronger capital base enhances strategic flexibility to support lending growth and withstand cyclical credit losses over the medium term without resorting to dilutive equity raises.

Deposit-funded Savings FranchiseA retail deposit franchise provides a stable, lower-cost funding mix versus wholesale alternatives, supporting durable net interest margins. Long-term access to customer deposits reduces reliance on volatile markets and underpins the bank's lending model and resilience across rate cycles.

Bears Say

Profitability VolatilityA swing to a net loss after recent profitability highlights earnings instability, which weakens internal capital generation and constrains strategic investment. Persistent volatility undermines confidence in sustainable returns and may force conservative lending or provisioning that limits medium-term growth.

Inconsistent Cash GenerationIrregular operating and free cash flows across multiple years complicate capital allocation and dividend predictability. Even with a 2025 rebound, inconsistent cash conversion raises the risk that funding or reinvestment needs will require external financing during stress periods.

Historic Elevated LeverageA history of leverage above equity increases vulnerability to earnings shocks or asset-quality deterioration. Even with recent debt reduction, the legacy leverage footprint implies reduced margin for error and greater sensitivity to credit cycles when compared with lower-levered regional peers.

Secure Trust Bank News

Secure Trust Bank sets higher-return growth targets after simplifying business and strengthening capital

Secure Trust Bank ( ($GB:STB) ) just unveiled an announcement. Secure Trust Bank reported resilient 2025 results, with...

6d ago

Secure Trust Bank Updates Market on Share Capital and Voting Rights

Secure Trust Bank ( ($GB:STB) ) has shared an announcement. Secure Trust Bank has confirmed that as of...

16d ago

Secure Trust Bank completes sale of Consumer Vehicle Finance arm

An announcement from Secure Trust Bank ( ($GB:STB) ) is now available. Secure Trust Bank has completed the...

21d ago

Secure Trust Bank lifts profits and capital as vehicle finance sale boosts firepower

Secure Trust Bank ( ($GB:STB) ) has provided an update. Secure Trust Bank reported that adjusted profit before...

1M ago

Secure Trust Bank Confirms Total Voting Rights and Share Capital

Secure Trust Bank ( ($GB:STB) ) has provided an update. Secure Trust Bank PLC has confirmed that, as...

1M ago

Secure Trust Bank CEO Increases Stake with £0.5m Share Purchase

An announcement from Secure Trust Bank ( ($GB:STB) ) is now available. Secure Trust Bank PLC has disclosed...

2M ago

Secure Trust Bank Confirms Total Voting Rights Ahead of Year-End

Secure Trust Bank ( ($GB:STB) ) has provided an update. Secure Trust Bank has confirmed that, as of...

3M ago

Secure Trust Bank Sells Consumer Vehicle Finance Arm to Boost Capital and Refocus Strategy

An announcement from Secure Trust Bank ( ($GB:STB) ) is now available. Secure Trust Bank has agreed to...

3M ago

Secure Trust Bank Announces Current Share Capital and Voting Rights

Secure Trust Bank ( ($GB:STB) ) has provided an announcement. Secure Trust Bank PLC has announced that as...

4M ago

Secure Trust Bank Announces Board Changes with Retirement of Ann Berresford

Secure Trust Bank ( ($GB:STB) ) has issued an announcement. Secure Trust Bank PLC has announced the retirement...

5M ago

STB FAQ

What was Secure Trust Bank PLC’s price range in the past 12 months?

Secure Trust Bank PLC lowest share price was 494.00 p and its highest was 1550.00 p in the past 12 months.

What is Secure Trust Bank PLC’s market cap?

Secure Trust Bank PLC’s market cap is £249.25M.

When is Secure Trust Bank PLC’s upcoming earnings report date?

Secure Trust Bank PLC’s upcoming earnings report date is Aug 06, 2026 which is in 141 days.

How were Secure Trust Bank PLC’s earnings last quarter?

Secure Trust Bank PLC released its earnings results on Mar 12, 2026. The company reported 0.048 p earnings per share for the quarter, beating the consensus estimate of N/A by 0.048 p.

Is Secure Trust Bank PLC overvalued?

According to Wall Street analysts Secure Trust Bank PLC’s price is currently Overvalued. Get more investment ideas with TipRanks Premium

Does Secure Trust Bank PLC pay dividends?

Secure Trust Bank PLC pays a Notavailable dividend of 11.8 p which represents an annual dividend yield of 2.66%. See more information on Secure Trust Bank PLC dividends here

What is Secure Trust Bank PLC’s EPS estimate?

Secure Trust Bank PLC’s EPS estimate for its next earnings report is not yet available.

How many shares outstanding does Secure Trust Bank PLC have?

Secure Trust Bank PLC has 19,104,956 shares outstanding.

What happened to Secure Trust Bank PLC’s price movement after its last earnings report?

Secure Trust Bank PLC reported an EPS of 0.048 p in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went down -1.064%.

Which hedge fund is a major shareholder of Secure Trust Bank PLC?

Currently, no hedge funds are holding shares in GB:STB

What is the TipRanks Smart Score and how is it calculated?

Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology

Secure Trust Bank Stock Smart Score

Neutral

Fundamentals

Return on Equity

4.70%

Trailing 12-Months

Asset Growth

4.84%

Trailing 12-Months

Top Smart Score Stocks >

Company Description

Secure Trust Bank PLC

Secure Trust Bank PLC provides banking and financial products and services in the United Kingdom. It operates through Real Estate Finance, Commercial Finance, Vehicle Finance, Retail Finance, and Debt Management segments. The Real Estate Finance segment provides loans for residential and commercial investment and development, as well as for mixed development projects. The Commercial Finance segment provides invoice financing solutions, including invoice discounting and factoring, and coronavirus business interruption loan scheme finance to businesses. The Vehicle Finance segment provides hire purchase agreements secured against the vehicle being financed. This segment distributes its motor finance products through motor dealers, brokers, and Internet introducers. The Retail Finance segment offers point of sale unsecured finance for in-store and online retailers under the V12 brand. This segment serves retailers of various industries, including cycle, music, furniture, outdoor/leisure, electronics, dental, jewelry, home improvements, and football season tickets. The Debt Management segment provides debt collection services. It also provides property rental and leasing services. Secure Trust Bank PLC was founded in 1952 and is headquartered in Solihull, the United Kingdom.