Want to see GB:STB full AI Analyst Report?
STB Stock Chart & Stats
1592.00 p
-26.00 p(-1.63%)
At close: 4:00 PM EDT
1592.00 p
-26.00 p(-1.63%)
Day’s Range― - ―
52-Week Range832.00 p - 1,650.00 p
Previous CloseN/A
Volume39.45K
Average Volume (3M)133.08K
Market Cap
£286.52M
Enterprise Value12.90 p
Total Cash (Recent Filing)£528.10M
Total Debt (Recent Filing)£302.60M
Price to Earnings (P/E)16.9
Beta1.54
Next Earnings
Mar 25, 2027EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield2.26%
Share Statistics
EPS (TTM)0.93
Shares Outstanding18,795,424
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)2.46
Revenue Forecast (FY)£181.10M
Bulls Say, Bears Say
Bulls Say
Revenue GrowthA sharp top-line expansion in 2025 reflects meaningful demand for STB's lending products and distribution reach. Sustained revenue growth, if maintained, provides a buffer to absorb credit cycles, supports fee income scaling and underpins long-term net interest income generation.
Balance Sheet ImprovementReduced debt and a stronger equity base improve capital adequacy and reduce funding stress. A healthier balance sheet increases resilience to credit shocks, gives lending headroom and regulatory flexibility, and supports long-term strategic execution without immediate reliance on external capital.
Deposit-funded Specialist LendingA business model built on deposit-funded specialist lending enhances margin stability versus wholesale-funded peers. Retail deposits and third-party origination channels support predictable funding and loan growth, bolstering sustainable net interest income and recurring fee opportunities over time.
Bears Say
Profitability DeteriorationA swing to a net loss despite rising revenue signals underlying margin pressure from credit losses, higher costs, or one-off items. Persistent profitability weakness erodes retained earnings, limits capital accumulation and dividend capacity, and raises questions about sustainable underwriting and pricing.
Inconsistent Cash GenerationVolatile operating and free cash flow undermines the bank's ability to fund lending, repay debt and invest without external support. The 2025 rebound is constructive but irregular cash profiles complicate capital planning, stress testing and make earnings less dependable over cycles.
Historical Leverage And SensitivityA history of higher leverage increases exposure to earnings volatility and asset-quality shocks. Even with recent debt reduction, lingering leverage risk constrains strategic flexibility, raises refinancing and liquidity risk during downturns, and makes sustained earnings progress essential for stability.
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 1650.00 p in the past 12 months.
What is Secure Trust Bank PLC’s market cap?
Secure Trust Bank PLC’s market cap is £286.52M.
When is Secure Trust Bank PLC’s upcoming earnings report date?
Secure Trust Bank PLC’s upcoming earnings report date is Mar 25, 2027 which is in 224 days.
How were Secure Trust Bank PLC’s earnings last quarter?
Secure Trust Bank PLC released its earnings results on Aug 13, 2026. The company reported 1.199 p earnings per share for the quarter, beating the consensus estimate of 0.937 p by 0.262 p.
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 Semiannually dividend of 23.7 p which represents an annual dividend yield of 2.26%. 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 18,795,424 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 1.199 p in its last earnings report, beating expectations of 0.937 p. 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
1
2
3
4
5
6
7
8
9
10
Technicals
SMA
Positive
20 days / 200 days
Momentum
13.39%
12-Months-Change
Fundamentals
Return on Equity
2.26%
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
Arbuthnot Banking
―
Liontrust Asset Management
―
Metro Bank
―
Premier Asset Management
―
Primorus Investments
―