Secure Trust Bank PLC (GB:STB)
LSE:STB
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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 Range726.00 p - 1,550.00 p
Previous CloseN/A
Volume22.35K
Average Volume (3M)133.08K
Market Cap
£234.18M
Enterprise Value21.03M
Total Cash (Recent Filing)£528.10M
Total Debt (Recent Filing)£302.60M
Price to Earnings (P/E)13.3
Beta1.49
Next Earnings
Aug 13, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield2.66%
Share Statistics
EPS (TTM)0.93
Shares Outstanding19,116,022
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)2.48
Revenue Forecast (FY)£181.10M
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
STB FAQ
What was Secure Trust Bank PLC’s price range in the past 12 months?
Secure Trust Bank PLC lowest share price was 726.00 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 £234.18M.
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 63 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.
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 19,116,022 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
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10
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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Options Prices
Currently, No data available
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