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Secure Trust Bank
(LSE:STB)
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Rating:54Neutral
Price Target:
1,518.00 p
▲(17.67% Upside)
Action:Reiterated
Date:03/13/26
The score is held back primarily by weakened financial performance (2025 net loss and historically volatile cash flow quality) and bearish technical momentum (below key moving averages with negative MACD). These are partially offset by a very low P/E and a modest dividend yield, which make the valuation attractive if profitability stabilizes.
Positive Factors
Diversified earning streams
STB’s business mixes net interest income from specialist lending with fee income and deposit funding. That diversified model supports revenue resilience across cycles, allowing the bank to earn spreads while generating origination fees and using retail deposits to dampen wholesale funding dependency.
Negative Factors
Profitability volatility
A swing from material profit to a net loss signals earnings instability and possible elevated credit costs or expense pressure. Persistent volatility weakens retained earnings, constrains capital build, and makes future dividend or growth plans contingent on stabilizing underlying margins and credit outcomes.
Read all positive and negative factors
Positive Factors
Negative Factors
Diversified earning streams
STB’s business mixes net interest income from specialist lending with fee income and deposit funding. That diversified model supports revenue resilience across cycles, allowing the bank to earn spreads while generating origination fees and using retail deposits to dampen wholesale funding dependency.
Read all positive factors
Secure Trust Bank (STB) vs. iShares MSCI United Kingdom ETF (EWC)
Market Cap
£277.87M
Dividend Yield2.66%
Average Volume (3M)133.08K
Price to Earnings (P/E)16.0
Beta (1Y)1.50
Revenue Growth0.49%
EPS Growth-11.39%
CountryUK
Employees915
SectorFinancial
Sector Strength70
IndustryBanks - Regional
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
Secure Trust Bank Business Overview & Revenue Model
Company Description
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 Financ...
How the Company Makes Money
STB makes money primarily through (1) net interest income and (2) non-interest income (fees and commissions). Net interest income is earned from the spread between interest received on its loan portfolios (e.g., consumer/retail finance, vehicle fi...
Secure Trust Bank Financial Statement Overview
Summary
Income Statement
47
Neutral
Balance Sheet
56
Neutral
Cash Flow
41
Neutral
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 339.10M | 142.10M | 141.80M | 219.70M | 176.50M |
| Gross Profit | 107.70M | 142.10M | 321.30M | 169.30M | 148.80M |
| EBITDA | 29.40M | 42.80M | 37.70M | 42.30M | 59.40M |
| Net Income | -9.40M | 19.70M | 24.30M | 33.70M | 45.60M |
Balance Sheet | |||||
| Total Assets | 4.32B | 4.12B | 3.78B | 3.38B | 2.89B |
| Cash, Cash Equivalents and Short-Term Investments | 528.10M | 469.00M | 400.30M | 370.10M | 235.70M |
| Total Debt | 302.60M | 459.10M | 495.10M | 451.60M | 54.00M |
| Total Liabilities | 3.94B | 3.76B | 3.43B | 3.05B | 2.58B |
| Stockholders Equity | 374.30M | 360.50M | 344.50M | 326.90M | 302.40M |
Cash Flow | |||||
| Free Cash Flow | 154.80M | -262.40M | -405.30M | 30.00M | -91.10M |
| Operating Cash Flow | 156.40M | -261.40M | -402.60M | 32.70M | -89.80M |
| Investing Cash Flow | -165.90M | -350.80M | -443.00M | 82.50M | 59.10M |
| Financing Cash Flow | 100.30M | 331.10M | 388.70M | -5.00M | 101.60M |
Secure Trust Bank Technical Analysis
Positive
1290.00
Price Trends
1345.68
Positive
1337.36
Positive
1236.18
Positive
Market Momentum
48.57
Negative
67.74
Neutral
60.29
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GB:STB, the sentiment is Positive. The current price of 1290 is below the 20-day moving average (MA) of 1427.50, below the 50-day MA of 1345.68, and above the 200-day MA of 1236.18, indicating a bullish trend. The MACD of 48.57 indicates Negative momentum. The RSI at 67.74 is Neutral, neither overbought nor oversold. The STOCH value of 60.29 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for GB:STB.
Secure Trust Bank Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
70 Outperform | £132.73M | 7.59 | 6.53% | 5.68% | -4.79% | -28.34% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | £206.03M | 21.60 | 10.12% | 21.31% | -20.90% | -40.53% | |
58 Neutral | £1.13B | 21.75 | 5.16% | ― | -10.71% | 23.10% | |
54 Neutral | £277.87M | 16.03 | 4.70% | 2.66% | 0.49% | -11.39% | |
54 Neutral | £60.73M | 550.00 | 0.09% | 11.43% | -15.66% | -96.05% | |
50 Neutral | £4.48M | 4.68 | -12.33% | ― | -106.88% | -66.67% |
* Financial Sector Average
GB:STB
Secure Trust Bank
1,488.00
543.07
57.47%
GB:ARBB
Arbuthnot Banking
835.00
-77.29
-8.47%
GB:LIO
Liontrust Asset Management
336.50
-6.58
-1.92%
GB:MTRO
Metro Bank
169.40
36.40
27.37%
GB:PMI
Premier Asset Management
38.50
-20.88
-35.16%
GB:PRIM
Primorus Investments
3.60
-0.25
-6.49%
Secure Trust Bank Corporate Events
Stock BuybackRegulatory Filings and Compliance
Secure Trust Bank Cancels Newly Repurchased Shares Under Ongoing Buyback
Positive
Jul 13, 2026
Secure Trust Bank has continued to execute its recently launched share buyback programme, repurchasing 46,946 ordinary shares between 6 and 10 July on the London Stock Exchange at volume‑weighted average prices around 1,486p to 1,505p. The r...
Business Operations and StrategyStock BuybackRegulatory Filings and Compliance
Secure Trust Bank Cancels Shares After Launching Buyback Programme
Positive
Jul 6, 2026
Secure Trust Bank has initiated a share buyback programme and purchased 41,136 ordinary shares on the London Stock Exchange between 29 June and 3 July 2026. The purchases were executed at prices ranging from 1,427 pence to 1,486 pence per share, w...
Regulatory Filings and Compliance
Secure Trust Bank Confirms Total Voting Rights at Over 19 Million Shares
Positive
Jul 1, 2026
Secure Trust Bank has confirmed that as of 30 June 2026 its issued share capital comprises 19,118,520 ordinary shares of 40 pence each, with no shares held in treasury, giving a total of 19,118,520 voting rights. This disclosure, made in line with...
Business Operations and StrategyStock Buyback
Secure Trust Bank Starts £10m Share Buyback to Return Surplus Capital
Positive
Jun 29, 2026
Secure Trust Bank has launched the first £5 million tranche of a planned £10 million share buyback, using surplus capital released from the sale of its Consumer Vehicle Finance business to enhance shareholder returns alongside its progre...
DividendsRegulatory Filings and Compliance
Secure Trust Bank Reports PDMR Share Purchase Under Dividend Reinvestment Plan
Positive
Jun 12, 2026
Secure Trust Bank PLC has disclosed that Andrew Phillips, a person discharging managerial responsibilities at the bank, acquired 15 ordinary shares via an automated Dividend Reinvestment Plan at a price of £12.68 per share on 11 June 2026. Th...
Executive/Board Changes
Secure Trust Bank CFO Rachel Lawrence to Retire in 2027
Neutral
Jun 2, 2026
Secure Trust Bank has announced that Chief Financial Officer Rachel Lawrence intends to retire from the board and her executive role during the first half of 2027, after a 35-year career and six years with the group. The board has begun a search f...
Regulatory Filings and Compliance
Secure Trust Bank Confirms Total Voting Rights at 19.1 Million Shares
Neutral
Jun 1, 2026
Secure Trust Bank has confirmed that as of 31 May 2026 its issued share capital stands at 19,116,023 ordinary shares, with no shares held in treasury. This means the total number of voting rights is also 19,116,023, providing shareholders with the...
Business Operations and StrategyStock BuybackDividendsShareholder Meetings
Secure Trust Bank Wins Strong Shareholder Backing at 2026 AGM
Positive
May 14, 2026
Secure Trust Bank’s shareholders approved all resolutions at the 2026 annual general meeting, including the 2025 report and accounts, the directors’ remuneration report and policy, and a final dividend of 23.7 pence per share. Investor...
Business Operations and StrategyStock BuybackFinancial Disclosures
Secure Trust Bank lifts lending as it readies £10m share buyback
Positive
May 14, 2026
Secure Trust Bank reported that continuing net lending rose 1.5% quarter on quarter and 6.6% year on year to £3.35bn in the first quarter, driven by growth in Retail Finance, notably furniture, and a 3% quarterly uplift in Business Finance ai...
Regulatory Filings and Compliance
Secure Trust Bank discloses PDMR Bed and ISA share dealing
Neutral
May 7, 2026
Secure Trust Bank PLC has disclosed that Andrew Phillips, a person discharging managerial responsibilities, executed a Bed and ISA transaction on 6 May 2026 involving the sale of 1,119 ordinary shares at £12.82 each and the repurchase of 1,11...
Regulatory Filings and Compliance
Secure Trust Bank Confirms Total Voting Rights After Share Capital Update
Neutral
May 1, 2026
Secure Trust Bank PLC has confirmed that, as of 30 April 2026, its issued share capital comprises 19,114,795 ordinary shares with no shares held in treasury, giving a total of 19,114,795 voting rights. This disclosure, made under UK transparency r...
Executive/Board Changes
Secure Trust Bank Awards Senior Executives Nil‑Cost Share Options Under LTIP and Deferred Bonus Plans
Positive
Apr 22, 2026
Secure Trust Bank has granted nil‑cost share options under its 2017 Long Term Incentive Plan to directors Ian Corfield and Rachel Lawrence and senior managers Andrew Phillips, Luke Jooste and James Appleby, based on a reference price of ...
Executive/Board ChangesRegulatory Filings and Compliance
Secure Trust Bank executives exercise share options and sell stock to cover tax
Neutral
Apr 20, 2026
Secure Trust Bank has disclosed that directors Rachel Lawrence and Andrew Phillips exercised share options under the group’s 2017 Long Term Incentive Plan, covering 11,092 ordinary shares at an exercise price of 40p, while Lawrence also exer...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.