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STB Stock Chart & Stats
1290.00 p
-3.00 p(-0.85%)
At close: 4:00 PM EST
1290.00 p
-3.00 p(-0.85%)
Day’s Range― - ―
52-Week Range832.00 p - 1,550.00 p
Previous CloseN/A
Volume22.35K
Average Volume (3M)133.08K
Market Cap
£277.50M
Enterprise Value12.90 p
Total Cash (Recent Filing)£528.10M
Total Debt (Recent Filing)£302.60M
Price to Earnings (P/E)16.1
Beta1.50
Next Earnings
Aug 13, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield2.66%
Share Statistics
EPS (TTM)0.93
Shares Outstanding19,030,437
10 Day Avg. Volume263,311
30 Day Avg. Volume133,079
Financial Highlights & Ratios
PEG Ratio-1.52
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)2.48
Revenue Forecast (FY)£181.10M
Bulls Say, Bears Say
Bulls Say
Diversified Specialist Lending And Deposit FundingSecure Trust Bank’s model combines retail savings funding with specialist lending (consumer, vehicle, commercial) and fee income. This diversified mix supports stable net interest margins and non-interest revenue streams, reducing reliance on any single product or channel over the medium term.
Improving Balance Sheet And Capital BaseRecent de‑risking materially lowered debt and increased equity, strengthening the capital base and lowering leverage. A healthier balance sheet increases resilience to credit shocks and gives management optionality for lending growth or absorbing loan losses without immediate capital strain.
Strong Operating And Free Cash Flow In 2025The sharp 2025 cash flow rebound demonstrates the bank’s ability to convert earnings and balance sheet actions into liquidity. Sustained positive operating and free cash flow would support loan originations, deposit funding and capital flexibility over coming quarters if maintained.
Bears Say
Recent Profitability VolatilityA swing to a net loss after prior profitability signals underlying cost, credit or structural margin pressure. Persistent earnings volatility undermines the bank’s ability to build retained capital and creates uncertainty for long‑term dividend and growth planning unless profitability stabilises.
Inconsistent Multi-year Cash GenerationIrregular cash flow history reduces predictability of internal funding for lending and capital. Even with 2025’s rebound, prior negative operating/free cash flows indicate structural volatility in cash conversion that can constrain strategic investment or require external funding in stressed periods.
Historical Leverage And Sensitivity To ShocksA history of elevated leverage increases the bank’s sensitivity to earnings swings and asset-quality deterioration. Even with recent improvement, legacy leverage metrics imply less buffer for credit losses or rate shocks compared with better-capitalised peers, raising long‑term risk.
Secure Trust Bank News
STB FAQ
What was Secure Trust Bank PLC’s price range in the past 12 months?
Secure Trust Bank PLC lowest share price was 832.00 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 £277.50M.
When is Secure Trust Bank PLC’s upcoming earnings report date?
Secure Trust Bank PLC’s upcoming earnings report date is Aug 13, 2026 which is in 27 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, missing the consensus estimate of N/A by N/A.
Is Secure Trust Bank PLC overvalued?
According to Wall Street analysts Secure Trust Bank PLC’s price is currently Overvalued.
Does Secure Trust Bank PLC pay dividends?
Secure Trust Bank PLC pays a Notavailable dividend of 23.7 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 19,030,437 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, missing 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
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Insider Transactions
Sold Shares
Worth £154.6K over
the Last 3 Months
the Last 3 Months
News Sentiment
Neutral
Bullish news 50%
Bearish news 50%
Bearish news 50%
Technicals
SMA
Positive
20 days / 200 days
Momentum
13.39%
12-Months-Change
Fundamentals
Return on Equity
4.70%
Trailing 12-Months
Asset Growth
4.84%
Trailing 12-Months
Company Description
Secure Trust Bank PLC
Secure Trust Bank PLC is a UK-based financial institution offering a diverse array of banking and financial solutions. Its operations are structured across five key divisions: Real Estate Finance, Commercial Finance, Vehicle Finance, Retail Finance, and Debt Management. The Real Estate Finance division specializes in providing capital for property ventures, including residential and commercial investments, new developments, and mixed-use projects. Within Commercial Finance, the bank offers businesses flexible working capital through invoice discounting and factoring, alongside participation in the Coronavirus Business Interruption Loan Scheme. Vehicle Finance facilitates vehicle acquisitions through hire purchase agreements, which are secured by the asset itself; these motor finance products reach customers via a network of dealerships, brokers, and online platforms. The Retail Finance arm, operating under the V12 brand, supplies unsecured point-of-sale credit solutions for both brick-and-mortar and e-commerce retailers, supporting a broad spectrum of retail sectors from cycling, music, and furniture to outdoor goods, electronics, dental services, jewelry, home improvement, and even football season ticket purchases. Debt Management offers specialized services in the area of debt recovery. Additionally, the company is involved in property leasing and rental activities. Established in 1952, Secure Trust Bank PLC maintains its corporate headquarters in Solihull, United Kingdom.
Technical Analysis
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