Secure Trust Bank (STBL) 주식 개요Secure Trust Bank PLC는 영국에서 은행 및 금융 상품과 서비스를 제공합니다. 자세히 보기STBL 펀더멘털 분석스노우플레이크 점수가치 평가3/6미래 성장3/6과거 실적3/6재무 건전성4/6배당3/6강점공정 가치 추정치보다 낮은 2.7% 에서 거래수익은 매년 17.53% 증가할 것으로 예상됩니다.지난 5년 동안 수입이 매년 5.4% 증가했습니다.위험 분석불안정한 배당 실적모든 위험 점검 보기STBL Community Fair Values Create NarrativeSee what others think this stock is worth. Follow their fair value or set your own to get alerts.NEW480,485 membersJoin community and earn perksGain real feedbackFrom our editorial team, personally. Not silence.Grow your followingReal investors. The kind who actually invest, not scroll past.Unlock free accessFree premium subscription for consistent and quality authors.Learn moreCreate NarrativeBLINRODA480,485 investors already sharing narrativesYour Fair ValueUK£Current PriceUK£15.8825.6% 저평가 내재 할인율Growth estimate overAnnual revenue growth rate5 Yearstime period%/yrDecreaseIncreasePastFuture0269m2016201920222025202620282031Revenue UK£269.1mEarnings UK£89.7mAdvancedSet Fair ValueView all narrativesSecure Trust Bank PLC 경쟁사Arbuthnot Banking GroupSymbol: AIM:ARBBMarket cap: UK£135.4mTBC Bank GroupSymbol: LSE:TBCGMarket cap: UK£2.5bLion Finance GroupSymbol: LSE:BGEOMarket cap: UK£4.9bHalyk Bank of KazakhstanSymbol: LSE:HSBKMarket cap: US$8.6b가격 이력 및 성과Secure Trust Bank 주가의 최고가, 최저가 및 변동 요약과거 주가현재 주가UK£15.8852주 최고가UK£16.3052주 최저가UK£8.30베타0.961개월 변동15.91%3개월 변동25.24%1년 변동57.23%3년 변동181.56%5년 변동n/aIPO 이후 변동32.61%최근 뉴스 및 업데이트공고 • Jun 02+ 1 more updateSecure Trust Bank plc Announces Retirement of Rachel Lawrence as Chief Financial Officer, During the First Half of 2027Secure Trust Bank PLC announced that, after six years with the Group, Rachel Lawrence had informed the Board of her intention to retire as Chief Financial Officer of Secure Trust Bank PLC during the first half of 2027. Rachel Lawrence was appointed as Chief Financial Officer in September 2020. After a career spanning over 35 years, Rachel has decided that then will be the right time for her to retire.Board Change • May 21High number of new directorsThere are 5 new directors who have joined the board in the last 3 years. CEO & Director Ian Corfield was the last director to join the board, commencing their role in 2025. The company’s lack of board continuity is considered a risk according to the Simply Wall St Risk Model.공고 • May 16Secure Trust Bank PLC Approves to Declare Final DividendSecure Trust Bank PLC at its Annual General Meeting held on May 14, 2026, approved to declare a final dividend of 23.7 pence per ordinary share.공고 • May 14Secure Trust Bank PLC to Report First Half, 2026 Results on Aug 13, 2026Secure Trust Bank PLC announced that they will report first half, 2026 results on Aug 13, 2026공고 • Apr 03Secure Trust Bank PLC, Annual General Meeting, May 14, 2026Secure Trust Bank PLC, Annual General Meeting, May 14, 2026. Location: the offices of deloitte llp, four brindleyplace, b1 2hz, birmingham United Kingdom공고 • Feb 26Funds managed by Lcm Partners Limited completed the acquisition of Consumer Vehicle Finance Business of Secure Trust Bank PLC (LSE:STB).Funds managed by Lcm Partners Limited entered into a business sale agreement to acquire Consumer Vehicle Finance Business of Secure Trust Bank PLC (LSE:STB) for approximately £460 million on December 24, 2025. A cash consideration of £458.6 million will be paid by Lcm Partners Limited. As part of consideration, £458.6 million is paid towards assets of Consumer Vehicle Finance Business of Secure Trust Bank PLC. The final consideration is subject to adjustment on completion using a locked box mechanism. The expected completion of the transaction is during Q1 2026. Alantra Corporate Finance LLP acted as financial advisor for Secure Trust Bank PLC. Jon Cox-Brown, Alex Mehdevy, Julia Woodward-Carlton, Naomi Seward, Gareth Vowles and Paul Fontes of Eversheds Sutherland acted as legal advisor for Secure Trust Bank PLC. Funds managed by Lcm Partners Limited completed the acquisition of Consumer Vehicle Finance Business of Secure Trust Bank PLC (LSE:STB) on February 25, 2026.더 많은 업데이트 보기Recent updates공고 • Jun 02+ 1 more updateSecure Trust Bank plc Announces Retirement of Rachel Lawrence as Chief Financial Officer, During the First Half of 2027Secure Trust Bank PLC announced that, after six years with the Group, Rachel Lawrence had informed the Board of her intention to retire as Chief Financial Officer of Secure Trust Bank PLC during the first half of 2027. Rachel Lawrence was appointed as Chief Financial Officer in September 2020. After a career spanning over 35 years, Rachel has decided that then will be the right time for her to retire.Board Change • May 21High number of new directorsThere are 5 new directors who have joined the board in the last 3 years. CEO & Director Ian Corfield was the last director to join the board, commencing their role in 2025. The company’s lack of board continuity is considered a risk according to the Simply Wall St Risk Model.공고 • May 16Secure Trust Bank PLC Approves to Declare Final DividendSecure Trust Bank PLC at its Annual General Meeting held on May 14, 2026, approved to declare a final dividend of 23.7 pence per ordinary share.공고 • May 14Secure Trust Bank PLC to Report First Half, 2026 Results on Aug 13, 2026Secure Trust Bank PLC announced that they will report first half, 2026 results on Aug 13, 2026공고 • Apr 03Secure Trust Bank PLC, Annual General Meeting, May 14, 2026Secure Trust Bank PLC, Annual General Meeting, May 14, 2026. Location: the offices of deloitte llp, four brindleyplace, b1 2hz, birmingham United Kingdom공고 • Feb 26Funds managed by Lcm Partners Limited completed the acquisition of Consumer Vehicle Finance Business of Secure Trust Bank PLC (LSE:STB).Funds managed by Lcm Partners Limited entered into a business sale agreement to acquire Consumer Vehicle Finance Business of Secure Trust Bank PLC (LSE:STB) for approximately £460 million on December 24, 2025. A cash consideration of £458.6 million will be paid by Lcm Partners Limited. As part of consideration, £458.6 million is paid towards assets of Consumer Vehicle Finance Business of Secure Trust Bank PLC. The final consideration is subject to adjustment on completion using a locked box mechanism. The expected completion of the transaction is during Q1 2026. Alantra Corporate Finance LLP acted as financial advisor for Secure Trust Bank PLC. Jon Cox-Brown, Alex Mehdevy, Julia Woodward-Carlton, Naomi Seward, Gareth Vowles and Paul Fontes of Eversheds Sutherland acted as legal advisor for Secure Trust Bank PLC. Funds managed by Lcm Partners Limited completed the acquisition of Consumer Vehicle Finance Business of Secure Trust Bank PLC (LSE:STB) on February 25, 2026.공고 • Feb 05Secure Trust Bank PLC to Report Fiscal Year 2025 Results on Mar 12, 2026Secure Trust Bank PLC announced that they will report fiscal year 2025 results on Mar 12, 2026공고 • Nov 01Secure Trust Bank plc Announces Board Changes, December 30, 2025Secure Trust Bank PLC announced the retirement of Ann Berresford, who has reached her nine-year tenure, and will step down from the Board with effect from 30 December 2025. In addition to her role as a non-executive director, Ann also serves as the Chair of the Audit Committee, Senior Independent Director and a member of the Risk Committee. The Board is pleased to implement the succession plans in place and announced the following changes to roles within the Board and its Committees. Steve Colsell will be appointed Chair of the Audit Committee (subject to regulatory approval) and a member of the Risk Committee with effect from 30 December 2025. Julie Hopes will be appointed Senior Independent Director (subject to regulatory approval) and Deputy Chair with effect from 30 December 2025.공고 • Aug 16Secure Trust Bank PLC Approves an Increased Interim Dividend, Payable on 25 September 2025The Board of Secure Trust Bank PLC has approved an increased interim dividend of 11.8 pence per share, consistent with progressive dividend policy. This will be paid on 25 September 2025 with an associated record date of 29 August 2025.공고 • Aug 04Secure Trust Bank PLC to Report First Half, 2025 Results on Aug 14, 2025Secure Trust Bank PLC announced that they will report first half, 2025 results on Aug 14, 2025공고 • Jun 19Secure Trust Bank PLC Announces Chief Executive Officer ChangesThe Board of Secure Trust Bank PLC announces that David McCreadie, the Group's Chief Executive Officer ('CEO'), will retire from his role after over four years as CEO and almost six years on the Board. The Nomination Committee has implemented its succession plans and is delighted to announce the appointment of Ian Corfield as CEO Designate with effect from 23 June 2025 and as CEO with effect from 16 August 2025, subject to regulatory approval. In order to achieve a smooth transition of responsibilities, David will remain available to support the business until June 2026. uring his time as CEO, David McCreadie has refocused the Group, refreshed the management team, overseen the growth of the current lending businesses from £2,185m to £3,725m and streamlined the organisation, whilst navigating the impacts of the global pandemic, significant geopolitical changes, and challenges in the regulatory and market environment. Ian Corfield brings a wealth of experience to Secure Trust Bank having spent over 20 years working in financial services. He was previously Chief Commercial Officer of NewDay Ltd. from 2014 to 2023 where he helped build the Company into a leading financial services provider. Previously Ian served as CEO of Aussie Home Loans and Business & Retail Banking at Bankwest, both based in Australia, and prior to this he held a number of senior roles at HBOS Plc. Most recently Ian has worked as an adviser to HM Treasury and will step down from his role as a Specialist Partner at Flint Global, a regulatory and competition advisory firm, in advance of becoming CEO of Secure Trust Bank.공고 • Jun 12Secure Trust Bank plc Announces the Appointment of Steve Colsell as an Independent Non-Executive Director and Member of the Audit and Nomination Committees, Effective 12 June 2025Secure Trust Bank PLC announced the appointment of Steve Colsell as an independent Non-Executive Director and member of the Audit and Nomination Committees, effective 12 June 2025. Steve has 40 years' experience within Financial Services, specialising in banking and insurance. During his executive career he served as divisional CFO (Wealth, Asset Finance & International) of Lloyds Banking Group plc, CFO for Insurance and Investment at HBOS plc and Group Finance Director of Kensington Group PLC. Prior to this he held a number of senior roles at Zurich Financial Services. Steve also brings extensive non-executive experience and is currently the Chair of Family Assurance Friendly Society Limited (trading as OneFamily) and a Non-Executive Director of Pepper Money Group where he also Chairs the Audit and Risk Committees. He was previously a Non-Executive Director of Quilter Financial Planning where he chaired the Audit Committee, Starling Bank and St James's Place PLC.공고 • May 16Secure Trust Bank PLC Approves Final DividendSecure Trust Bank PLC at its 2025 Annual General Meeting held on 15 May 2025, approved to declare a final dividend of 22.5 pence per ordinary share.공고 • Apr 04Secure Trust Bank PLC, Annual General Meeting, May 15, 2025Secure Trust Bank PLC, Annual General Meeting, May 15, 2025. Location: the office of freshfields llp, 100 bishopsgate, ec2p 2sr, london United Kingdom공고 • Mar 14Secure Trust Bank PLC Proposes Final Dividend for the Year 2024The Board of Secure Trust Bank PLC proposed a final dividend of 22.5 pence per share for the year 2024.공고 • Oct 24Secure Trust Bank plc Announces Director and Committee ChangesSecure Trust Bank PLC announced the appointment of Julie Hopes as an independent Non-Executive Director with immediate effect, serving on the Remuneration Committee, Audit Committee and Nomination Committee from appointment. It is intended that Julie will be appointed Chair of the Remuneration Committee subject to, and with effect from, the date of regulatory approval. Victoria Stewart, the current Chair of the Remuneration Committee, who is entering her ninth year on the Board, will step down as a Non-Executive Director, effective from 31 December 2024 or, if later, the date of regulatory approval for the new Chair of the Remuneration Committee. Julie Hopes is a Non-Executive Director of Saga plc where she chairs the Remuneration and Risk Committees and is Deputy Chair, and Chair of the Remuneration Committee, of West Bromwich Building Society. She is currently a Non-Executive Director of MS Amlin Underwriting Limited, where she also chairs the Risk and Solvency Committee, however, will be stepping down from this role on 31 October 2024. Julie has previously served as Chair of Police Mutual and a Non-Executive Director and Chair of the Risk Committee of Co-Operative Insurance. Julie built her executive career in insurance having served in a number of senior roles at RSA plc, before becoming Managing Director of Insurance at Tesco Bank. The Company also announces that effective immediately Victoria Mitchell, a current Non-Executive Director of STB, will become a member of the Company's Risk Committee.공고 • Aug 14Secure Trust Bank PLC Approves Interim Dividend for the Six Months to 30 June 2024, Payable on 26 September 2024Secure Trust Bank PLC approved an interim dividend for the six months to 30 June 2024 of 11.3 pence per share for HY 2024 (half year 2023: 16.0 pence), which will be payable on 26 September 2024 to shareholders on the register at the close of business on 30 August 2024. This is in line with the Group's revised dividend policy set out in the Fiscal Year 2023 results; where the dividend was re-based to a progressive approach.공고 • Jul 04Secure Trust Bank PLC to Report First Half, 2024 Results on Aug 14, 2024Secure Trust Bank PLC announced that they will report first half, 2024 results on Aug 14, 2024Valuation Update With 7 Day Price Move • May 21Investor sentiment improves as stock rises 15%After last week's 15% share price gain to UK£8.10, the stock trades at a forward P/E ratio of 4x. Average forward P/E is 6x in the Banks industry in the United Kingdom. Total returns to shareholders of 35% over the past year.공고 • May 18Secure Trust Bank PLC Approves Final DividendSecure Trust Bank PLC at its AGM held on 16 May 2024, approved final dividend of 16.2 pence per ordinary share.Recent Insider Transactions • May 16CEO & Director recently bought UK£81k worth of stockOn the 7th of May, David McCreadie bought around 12k shares on-market at roughly UK£6.93 per share. This transaction amounted to 30% of their direct individual holding at the time of the trade. This was the largest purchase by an insider in the last 3 months. David has been a buyer over the last 12 months, purchasing a net total of UK£258k worth in shares.Upcoming Dividend • Apr 18Upcoming dividend of UK£0.16 per shareEligible shareholders must have bought the stock before 25 April 2024. Payment date: 23 May 2024. Payout ratio is a comfortable 23% but the company is not cash flow positive. Trailing yield: 4.7%. Lower than top quartile of British dividend payers (6.1%). Lower than average of industry peers (6.5%).Declared Dividend • Mar 24Final dividend reduced to UK£0.16Dividend of UK£0.16 is 44% lower than last year. Ex-date: 25th April 2024 Payment date: 23rd May 2024 Dividend yield will be 5.0%, which is lower than the industry average of 6.5%. Sustainability & Growth Dividend is well covered by earnings (23% payout ratio) and is expected to be well covered in 3 years' time (13% forecast payout ratio). The dividend has decreased over the past 10 years, indicating a lack of growth and stability in payments. EPS is expected to grow by 88% over the next 3 years, which should provide support to the dividend and adequate earnings cover.공고 • Mar 23Secure Trust Bank plc Proposes Final Dividend for the Year 2023, Payable on May 23, 2024The Directors of Secure Trust Bank PLC are proposing a final dividend of 16.2 pence per share for 2023, which will be payable on 23 May 2024 to shareholders on the register at the close of business on 26 April 2024. The total dividend payable for 2023 is 32.2 pence per share (2022: 45.1 pence per share).Reported Earnings • Mar 21Full year 2023 earnings released: EPS: UK£1.41 (vs UK£1.11 in FY 2022)Full year 2023 results: EPS: UK£1.41 (up from UK£1.11 in FY 2022). Revenue: UK£141.8m (up 7.0% from FY 2022). Net income: UK£26.4m (up 28% from FY 2022). Profit margin: 19% (up from 16% in FY 2022). The increase in margin was driven by higher revenue. Revenue is forecast to grow 17% p.a. on average during the next 3 years, compared to a 3.7% growth forecast for the Banks industry in the United Kingdom.공고 • Jan 25Secure Trust Bank PLC Announces Board ChangesOn 30 March 2023, Secure Trust Bank PLC announced that Lord Forsyth would be retiring as Chairman and a Non-Executive director at the Annual General Meeting (AGM) in May 2024. The Company announced the appointment of Jim Brown as a Non-Executive Director with effect from 31 March 2024 and that he will succeed Lord Forsyth as Chairman following the conclusion of the AGM, subject to regulatory approval. The Board considers Jim Brown to be independent on appointment. Jim Brown is a banking professional with many years' experience, gained through a number of executive positions. He is currently CEO, Sainsbury's Bank and a member of the Sainsbury's Group Operating Board and will be retiring from these roles at the end of March 2024. He is also a Non-Executive Director on the Board of Just Group plc. Before this, Jim was the Chief Executive Officer, Future Williams & Glyn within the RBS Group and prior to this he was CEO, Ulster Bank Group. He held a number of senior appointments within RBS and ABN AMRO in Asia and earlier in his career with Citibank and Chase AMP Bank. On joining the Board Jim Brown will become a member of the Remuneration Committee and a member of the Nomination Committee and will Chair the Nomination Committee following his appointment as Chairman.공고 • Dec 21+ 1 more updateSecure Trust Bank PLC, Annual General Meeting, May 16, 2024Secure Trust Bank PLC, Annual General Meeting, May 16, 2024.공고 • Oct 28Secure Trust Bank plc Appoints Victoria Mitchell as an Independent Non-Executive Director of the Company, Effective from 1 November 2023Secure Trust Bank PLC announces the appointment of Victoria Mitchell as an independent Non-Executive Director of the Company with effect from 1 November 2023. Vicky will also join the Remuneration Committee and the Nomination Committee on the same date. Vicky has many years of banking experience, gained predominantly during a twenty-year career with Capital One (Europe) plc, during which she served as Chief Legal Counsel, Chief Risk Officer and Chief Operating Officer. She sits on the Board and is a member of the Remuneration and Risk Committees of the West Bromwich Building Society. She is also a member of the Audit & Risk Committee, Nomination and Governance Committee and is Chair of the Financial Services Board at N Brown Group plc. Vicky has recently joined the Board of Vocalink Limited, where she chairs the Risk Committee and is a member of the Audit Committee. Vicky was previously a Non-Executive Director at Lookers plc, which gave her considerable insight into the Motor Finance industry. She was a member of the Audit and Risk, Remuneration and Nomination Committees throughout her tenure at Lookers plc, was Chair of the Remuneration Committee from April 2021 to September 2022 and was Chair of Lookers Motor Group Limited. She is a graduate of Birmingham University.Board Change • Oct 01Insufficient new directorsThere is 1 new director who has joined the board in the last 3 years. The company's board is composed of: 1 new director. 5 experienced directors. 1 highly experienced director. Independent Non-Executive Director Finlay Williamson was the last director to join the board, commencing their role in 2021. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model.Upcoming Dividend • Aug 24Upcoming dividend of UK£0.16 per share at 6.7% yieldEligible shareholders must have bought the stock before 31 August 2023. Payment date: 28 September 2023. Payout ratio is a comfortable 42% but the company is not cash flow positive. Trailing yield: 6.7%. Within top quartile of British dividend payers (6.3%). Higher than average of industry peers (5.7%).Recent Insider Transactions • Aug 13CEO & Director recently bought UK£101k worth of stockOn the 9th of August, David McCreadie bought around 17k shares on-market at roughly UK£5.86 per share. This transaction increased David's direct individual holding by 2x at the time of the trade. This was the largest purchase by an insider in the last 3 months. David has been a buyer over the last 12 months, purchasing a net total of UK£142k worth in shares.Reported Earnings • Aug 11First half 2023 earnings released: EPS: UK£0.66 (vs UK£0.69 in 1H 2022)First half 2023 results: EPS: UK£0.66 (down from UK£0.69 in 1H 2022). Revenue: UK£66.3m (up 3.9% from 1H 2022). Net income: UK£12.3m (down 4.7% from 1H 2022). Profit margin: 19% (down from 20% in 1H 2022). The decrease in margin was driven by higher expenses. Revenue is forecast to grow 17% p.a. on average during the next 3 years, compared to a 2.1% growth forecast for the Banks industry in the United Kingdom.공고 • Jul 14Secure Trust Bank PLC to Report First Half, 2023 Results on Aug 09, 2023Secure Trust Bank PLC announced that they will report first half, 2023 results on Aug 09, 2023Upcoming Dividend • Apr 21Upcoming dividend of UK£0.29 per share at 6.6% yieldEligible shareholders must have bought the stock before 27 April 2023. Payment date: 25 May 2023. Payout ratio is a comfortable 28% but the company is not cash flow positive. Trailing yield: 6.6%. Within top quartile of British dividend payers (5.8%). Higher than average of industry peers (4.6%).Reported Earnings • Mar 31Full year 2022 earnings released: EPS: UK£1.62 (vs UK£2.45 in FY 2021)Full year 2022 results: EPS: UK£1.62 (down from UK£2.45 in FY 2021). Revenue: UK£132.5m (down 17% from FY 2021). Net income: UK£30.2m (down 34% from FY 2021). Profit margin: 23% (down from 28% in FY 2021). The decrease in margin was driven by lower revenue. Cost-to-income ratio: 55.0% (down from 63.7% in FY 2021). Non-performing loans: 1.57% (down from 6.00% in FY 2021). Revenue is forecast to grow 17% p.a. on average during the next 3 years, compared to a 5.5% growth forecast for the Banks industry in the United Kingdom.공고 • Feb 07Secure Trust Bank PLC, Annual General Meeting, May 18, 2023Secure Trust Bank PLC, Annual General Meeting, May 18, 2023.Valuation Update With 7 Day Price Move • Dec 31Investor sentiment improved over the past weekAfter last week's 16% share price gain to UK£7.50, the stock trades at a forward P/E ratio of 4x. Average forward P/E is 7x in the Banks industry in the United Kingdom.공고 • Oct 29Secure Trust Bank PLC Announces Board AppointmentsSecure Trust Bank PLC announced the appointment of Paul Myers as the Designated Non- Executive Director for Employee Engagement and Chairman of the Employee Council with effect from 27 October 2022; and the appointment of Finlay Williamson as a member of the Audit Committee and Consumer Duty Champion also with effect from 27 October 2022. From 27 October 2022, the Audit Committee will be constituted as follows: Ann Berresford (Chair), Victoria Stewart and Finlay Williamson.공고 • Oct 28An Unknown Buyer acquired Debt Managers (Services) loan portfolio.An Unknown Buyer acquired Debt Managers (Services) loan portfolio in May 2022. An Unknown Buyer completed the acquisition of Debt Managers (Services) loan portfolio in May 2022.Valuation Update With 7 Day Price Move • Oct 01Investor sentiment deteriorated over the past weekAfter last week's 22% share price decline to UK£7.39, the stock trades at a forward P/E ratio of 4x. Average forward P/E is 5x in the Banks industry in the United Kingdom.공고 • Sep 22Secure Trust Bank plc Announces Resignation of Baroness Neville-Rolfe DBE, CMG, Non-Executive DirectorSecure Trust Bank PLC announced that Baroness Neville-Rolfe DBE, CMG, Non-Executive Director, has informed the Board that following her appointment as a Government minister, she is stepping down from the Board with immediate effect.Upcoming Dividend • Aug 18Upcoming dividend of UK£0.16 per shareEligible shareholders must have bought the stock before 25 August 2022. Payment date: 26 September 2022. Payout ratio is a comfortable 32% but the company is not cash flow positive. Trailing yield: 5.6%. Within top quartile of British dividend payers (5.2%). Higher than average of industry peers (4.9%).공고 • Aug 04Secure Trust Bank Recommends Interim Dividend Payable on 26 September 2022Secure Trust Bank PLC's policy is to pay total dividends representing 25% of annual earnings. The Board recommend the payment of an interim dividend for 2022 of 16.0 pence per share (H1 2021: 20.0 pence per share). This will be paid on 26 September 2022 with an associated record date of 26 August 2022.Valuation Update With 7 Day Price Move • Jun 10Investor sentiment improved over the past weekAfter last week's 16% share price gain to UK£12.90, the stock trades at a forward P/E ratio of 7x. Average forward P/E is 7x in the Banks industry in the United Kingdom.공고 • May 27Secure Trust Bank PLC (LSE:STB) completed the acquisition of AppToPay Ltd.Secure Trust Bank PLC (LSE:STB) agreed to acquire AppToPay Ltd on November 25, 2021. The transaction is subject to regulatory approvals and is expected to be completed around first quarter of 2022. Secure Trust Bank PLC (LSE:STB) completed the acquisition of AppToPay Ltd on May 26, 2022.Reported Earnings • Mar 28Full year 2021 earnings released: EPS: UK£2.45 (vs UK£0.83 in FY 2020)Full year 2021 results: EPS: UK£2.45 (up from UK£0.83 in FY 2020). Revenue: UK£160.1m (up 43% from FY 2020). Net income: UK£45.6m (up 196% from FY 2020). Profit margin: 28% (up from 14% in FY 2020). The increase in margin was driven by higher revenue. Cost-to-income ratio: 63.7% (up from 55.7% in FY 2020). Non-performing loans: 6.00% (up from 5.82% in FY 2020). Over the next year, revenue is forecast to grow 15%, compared to a 1.9% growth forecast for the banks industry in the United Kingdom.Valuation Update With 7 Day Price Move • Mar 10Investor sentiment deteriorated over the past weekAfter last week's 16% share price decline to UK£11.28, the stock trades at a forward P/E ratio of 5x. Average forward P/E is 7x in the Banks industry in the United Kingdom.공고 • Nov 27Secure Trust Bank PLC (LSE:STB) agreed to acquire AppToPay Ltd.Secure Trust Bank PLC (LSE:STB) agreed to acquire AppToPay Ltd on November 25, 2021. The transaction is subject to regulatory approvals and is expected to be completed around first quarter of 2022.Board Change • Nov 17High number of new directorsIndependent Non-Executive Director Finlay Williamson was the last director to join the board, commencing their role in 2021.Board Change • Oct 06High number of new directorsThere are 6 new directors who have joined the board in the last 3 years. Independent Non-Executive Director Finlay Williamson was the last director to join the board, commencing their role in 2021. The company’s lack of board continuity is considered a risk according to the Simply Wall St Risk Model.Board Change • Sep 17High number of new directorsThere are 6 new directors who have joined the board in the last 3 years. Independent Non-Executive Director Finlay Williamson was the last director to join the board, commencing their role in 2021. The company’s lack of board continuity is considered a risk according to the Simply Wall St Risk Model.주주 수익률STBLGB BanksGB 시장7D3.9%1.1%0.6%1Y57.2%50.7%15.7%전체 주주 수익률 보기수익률 대 산업: STBL은 지난 1년 동안 50.7%의 수익을 기록한 UK Banks 산업보다 더 좋은 성과를 냈습니다.수익률 대 시장: STBL은 지난 1년 동안 15.7%를 기록한 UK 시장보다 더 좋은 성과를 냈습니다.주가 변동성Is STBL's price volatile compared to industry and market?STBL volatilitySTBL Average Weekly Movement4.0%Banks Industry Average Movement4.1%Market Average Movement5.1%10% most volatile stocks in GB Market10.5%10% least volatile stocks in GB Market2.8%안정적인 주가: STBL는 지난 3개월 동안 UK 시장에 비해 주가 변동성이 크지 않았습니다.시간에 따른 변동성: STBL의 주간 변동성(4%)은 지난 1년 동안 안정적이었습니다.회사 소개설립직원 수CEO웹사이트1952772Ian Corfieldwww.securetrustbank.comSecure Trust Bank PLC는 영국에서 은행 및 금융 상품과 서비스를 제공합니다. 이 회사는 부동산 금융, 상업 금융, 차량 금융 및 소매 금융 부문을 통해 운영됩니다. 부동산 금융 부문은 부동산 자산에 대한 담보 대출을 제공합니다.더 보기Secure Trust Bank PLC 기초 지표 요약Secure Trust Bank의 순이익과 매출은 시가총액과 어떻게 비교됩니까?STBL 기초 통계시가총액UK£302.49m순이익 (TTM)UK£44.60m매출 (TTM)UK£133.80m6.8x주가수익비율(P/E)0.8x주가순자산비율(P/B)STBL는 고평가되어 있습니까?공정 가치 및 평가 분석 보기순이익 및 매출최근 실적 보고서(TTM)의 주요 수익성 지표STBL 손익계산서 (TTM)매출UK£133.80m매출원가UK£0총이익UK£133.80m기타 비용UK£89.20m순이익UK£44.60m최근 보고된 실적Dec 31, 2025다음 실적 발표일Aug 13, 2026주당순이익(EPS)2.35총이익률100.00%순이익률33.33%부채/자본 비율81.3%STBL의 장기 실적은 어땠습니까?과거 실적 및 비교 보기배당2.2%현재 배당 수익률15%배당 성향View Valuation기업 분석 및 재무 데이터 상태데이터최종 업데이트 (UTC 시간)기업 분석2026/07/23 07:14종가2026/07/23 00:00수익2025/12/31연간 수익2025/12/31데이터 소스당사의 기업 분석에 사용되는 데이터는 S&P Global Market Intelligence LLC에서 제공됩니다. 아래 데이터는 이 보고서를 생성하기 위해 분석 모델에서 사용됩니다. 데이터는 정규화되므로 소스가 제공된 후 지연이 발생할 수 있습니다.패키지데이터기간미국 소스 예시 *기업 재무제표10년손익계산서현금흐름표대차대조표SEC 양식 10-KSEC 양식 10-Q분석가 컨센서스 추정치+3년재무 예측분석가 목표주가분석가 리서치 보고서Blue Matrix시장 가격30년주가배당, 분할 및 기타 조치ICE 시장 데이터SEC 양식 S-1지분 구조10년주요 주주내부자 거래SEC 양식 4SEC 양식 13D경영진10년리더십 팀이사회SEC 양식 10-KSEC 양식 DEF 14A주요 개발10년회사 공시SEC 양식 8-K* 미국 증권에 대한 예시이며, 비(非)미국 증권에는 해당 국가의 규제 서식 및 자료원을 사용합니다.별도로 명시되지 않는 한 모든 재무 데이터는 연간 기간을 기준으로 하지만 분기별로 업데이트됩니다. 이를 TTM(최근 12개월) 또는 LTM(지난 12개월) 데이터라고 합니다. 자세히 알아보기.분석 모델 및 스노우플레이크이 보고서를 생성하는 데 사용된 분석 모델의 세부 정보는 당사의 GitHub 페이지에서 확인하실 수 있습니다. 또한 보고서 사용 방법에 대한 가이드와 YouTube 튜토리얼도 제공하고 있습니다.Simply Wall St 분석 모델을 설계하고 구축한 세계적 수준의 팀에 대해 알아보세요.산업 및 섹터 지표산업 및 섹터 지표는 Simply Wall St가 6시간마다 계산하며, 프로세스에 대한 자세한 내용은 Github에서 확인할 수 있습니다.분석가 소스Secure Trust Bank PLC는 8명의 분석가가 다루고 있습니다. 이 중 3명의 분석가가 우리 보고서에 입력 데이터로 사용되는 매출 또는 수익 추정치를 제출했습니다. 분석가의 제출 자료는 하루 종일 업데이트됩니다.분석가기관null nullCanaccord GenuityRobert MurphyEdison Investment ResearchPiers BrownInvestec Bank plc (UK)5명의 분석가 더 보기
공고 • Jun 02+ 1 more updateSecure Trust Bank plc Announces Retirement of Rachel Lawrence as Chief Financial Officer, During the First Half of 2027Secure Trust Bank PLC announced that, after six years with the Group, Rachel Lawrence had informed the Board of her intention to retire as Chief Financial Officer of Secure Trust Bank PLC during the first half of 2027. Rachel Lawrence was appointed as Chief Financial Officer in September 2020. After a career spanning over 35 years, Rachel has decided that then will be the right time for her to retire.
Board Change • May 21High number of new directorsThere are 5 new directors who have joined the board in the last 3 years. CEO & Director Ian Corfield was the last director to join the board, commencing their role in 2025. The company’s lack of board continuity is considered a risk according to the Simply Wall St Risk Model.
공고 • May 16Secure Trust Bank PLC Approves to Declare Final DividendSecure Trust Bank PLC at its Annual General Meeting held on May 14, 2026, approved to declare a final dividend of 23.7 pence per ordinary share.
공고 • May 14Secure Trust Bank PLC to Report First Half, 2026 Results on Aug 13, 2026Secure Trust Bank PLC announced that they will report first half, 2026 results on Aug 13, 2026
공고 • Apr 03Secure Trust Bank PLC, Annual General Meeting, May 14, 2026Secure Trust Bank PLC, Annual General Meeting, May 14, 2026. Location: the offices of deloitte llp, four brindleyplace, b1 2hz, birmingham United Kingdom
공고 • Feb 26Funds managed by Lcm Partners Limited completed the acquisition of Consumer Vehicle Finance Business of Secure Trust Bank PLC (LSE:STB).Funds managed by Lcm Partners Limited entered into a business sale agreement to acquire Consumer Vehicle Finance Business of Secure Trust Bank PLC (LSE:STB) for approximately £460 million on December 24, 2025. A cash consideration of £458.6 million will be paid by Lcm Partners Limited. As part of consideration, £458.6 million is paid towards assets of Consumer Vehicle Finance Business of Secure Trust Bank PLC. The final consideration is subject to adjustment on completion using a locked box mechanism. The expected completion of the transaction is during Q1 2026. Alantra Corporate Finance LLP acted as financial advisor for Secure Trust Bank PLC. Jon Cox-Brown, Alex Mehdevy, Julia Woodward-Carlton, Naomi Seward, Gareth Vowles and Paul Fontes of Eversheds Sutherland acted as legal advisor for Secure Trust Bank PLC. Funds managed by Lcm Partners Limited completed the acquisition of Consumer Vehicle Finance Business of Secure Trust Bank PLC (LSE:STB) on February 25, 2026.
공고 • Jun 02+ 1 more updateSecure Trust Bank plc Announces Retirement of Rachel Lawrence as Chief Financial Officer, During the First Half of 2027Secure Trust Bank PLC announced that, after six years with the Group, Rachel Lawrence had informed the Board of her intention to retire as Chief Financial Officer of Secure Trust Bank PLC during the first half of 2027. Rachel Lawrence was appointed as Chief Financial Officer in September 2020. After a career spanning over 35 years, Rachel has decided that then will be the right time for her to retire.
Board Change • May 21High number of new directorsThere are 5 new directors who have joined the board in the last 3 years. CEO & Director Ian Corfield was the last director to join the board, commencing their role in 2025. The company’s lack of board continuity is considered a risk according to the Simply Wall St Risk Model.
공고 • May 16Secure Trust Bank PLC Approves to Declare Final DividendSecure Trust Bank PLC at its Annual General Meeting held on May 14, 2026, approved to declare a final dividend of 23.7 pence per ordinary share.
공고 • May 14Secure Trust Bank PLC to Report First Half, 2026 Results on Aug 13, 2026Secure Trust Bank PLC announced that they will report first half, 2026 results on Aug 13, 2026
공고 • Apr 03Secure Trust Bank PLC, Annual General Meeting, May 14, 2026Secure Trust Bank PLC, Annual General Meeting, May 14, 2026. Location: the offices of deloitte llp, four brindleyplace, b1 2hz, birmingham United Kingdom
공고 • Feb 26Funds managed by Lcm Partners Limited completed the acquisition of Consumer Vehicle Finance Business of Secure Trust Bank PLC (LSE:STB).Funds managed by Lcm Partners Limited entered into a business sale agreement to acquire Consumer Vehicle Finance Business of Secure Trust Bank PLC (LSE:STB) for approximately £460 million on December 24, 2025. A cash consideration of £458.6 million will be paid by Lcm Partners Limited. As part of consideration, £458.6 million is paid towards assets of Consumer Vehicle Finance Business of Secure Trust Bank PLC. The final consideration is subject to adjustment on completion using a locked box mechanism. The expected completion of the transaction is during Q1 2026. Alantra Corporate Finance LLP acted as financial advisor for Secure Trust Bank PLC. Jon Cox-Brown, Alex Mehdevy, Julia Woodward-Carlton, Naomi Seward, Gareth Vowles and Paul Fontes of Eversheds Sutherland acted as legal advisor for Secure Trust Bank PLC. Funds managed by Lcm Partners Limited completed the acquisition of Consumer Vehicle Finance Business of Secure Trust Bank PLC (LSE:STB) on February 25, 2026.
공고 • Feb 05Secure Trust Bank PLC to Report Fiscal Year 2025 Results on Mar 12, 2026Secure Trust Bank PLC announced that they will report fiscal year 2025 results on Mar 12, 2026
공고 • Nov 01Secure Trust Bank plc Announces Board Changes, December 30, 2025Secure Trust Bank PLC announced the retirement of Ann Berresford, who has reached her nine-year tenure, and will step down from the Board with effect from 30 December 2025. In addition to her role as a non-executive director, Ann also serves as the Chair of the Audit Committee, Senior Independent Director and a member of the Risk Committee. The Board is pleased to implement the succession plans in place and announced the following changes to roles within the Board and its Committees. Steve Colsell will be appointed Chair of the Audit Committee (subject to regulatory approval) and a member of the Risk Committee with effect from 30 December 2025. Julie Hopes will be appointed Senior Independent Director (subject to regulatory approval) and Deputy Chair with effect from 30 December 2025.
공고 • Aug 16Secure Trust Bank PLC Approves an Increased Interim Dividend, Payable on 25 September 2025The Board of Secure Trust Bank PLC has approved an increased interim dividend of 11.8 pence per share, consistent with progressive dividend policy. This will be paid on 25 September 2025 with an associated record date of 29 August 2025.
공고 • Aug 04Secure Trust Bank PLC to Report First Half, 2025 Results on Aug 14, 2025Secure Trust Bank PLC announced that they will report first half, 2025 results on Aug 14, 2025
공고 • Jun 19Secure Trust Bank PLC Announces Chief Executive Officer ChangesThe Board of Secure Trust Bank PLC announces that David McCreadie, the Group's Chief Executive Officer ('CEO'), will retire from his role after over four years as CEO and almost six years on the Board. The Nomination Committee has implemented its succession plans and is delighted to announce the appointment of Ian Corfield as CEO Designate with effect from 23 June 2025 and as CEO with effect from 16 August 2025, subject to regulatory approval. In order to achieve a smooth transition of responsibilities, David will remain available to support the business until June 2026. uring his time as CEO, David McCreadie has refocused the Group, refreshed the management team, overseen the growth of the current lending businesses from £2,185m to £3,725m and streamlined the organisation, whilst navigating the impacts of the global pandemic, significant geopolitical changes, and challenges in the regulatory and market environment. Ian Corfield brings a wealth of experience to Secure Trust Bank having spent over 20 years working in financial services. He was previously Chief Commercial Officer of NewDay Ltd. from 2014 to 2023 where he helped build the Company into a leading financial services provider. Previously Ian served as CEO of Aussie Home Loans and Business & Retail Banking at Bankwest, both based in Australia, and prior to this he held a number of senior roles at HBOS Plc. Most recently Ian has worked as an adviser to HM Treasury and will step down from his role as a Specialist Partner at Flint Global, a regulatory and competition advisory firm, in advance of becoming CEO of Secure Trust Bank.
공고 • Jun 12Secure Trust Bank plc Announces the Appointment of Steve Colsell as an Independent Non-Executive Director and Member of the Audit and Nomination Committees, Effective 12 June 2025Secure Trust Bank PLC announced the appointment of Steve Colsell as an independent Non-Executive Director and member of the Audit and Nomination Committees, effective 12 June 2025. Steve has 40 years' experience within Financial Services, specialising in banking and insurance. During his executive career he served as divisional CFO (Wealth, Asset Finance & International) of Lloyds Banking Group plc, CFO for Insurance and Investment at HBOS plc and Group Finance Director of Kensington Group PLC. Prior to this he held a number of senior roles at Zurich Financial Services. Steve also brings extensive non-executive experience and is currently the Chair of Family Assurance Friendly Society Limited (trading as OneFamily) and a Non-Executive Director of Pepper Money Group where he also Chairs the Audit and Risk Committees. He was previously a Non-Executive Director of Quilter Financial Planning where he chaired the Audit Committee, Starling Bank and St James's Place PLC.
공고 • May 16Secure Trust Bank PLC Approves Final DividendSecure Trust Bank PLC at its 2025 Annual General Meeting held on 15 May 2025, approved to declare a final dividend of 22.5 pence per ordinary share.
공고 • Apr 04Secure Trust Bank PLC, Annual General Meeting, May 15, 2025Secure Trust Bank PLC, Annual General Meeting, May 15, 2025. Location: the office of freshfields llp, 100 bishopsgate, ec2p 2sr, london United Kingdom
공고 • Mar 14Secure Trust Bank PLC Proposes Final Dividend for the Year 2024The Board of Secure Trust Bank PLC proposed a final dividend of 22.5 pence per share for the year 2024.
공고 • Oct 24Secure Trust Bank plc Announces Director and Committee ChangesSecure Trust Bank PLC announced the appointment of Julie Hopes as an independent Non-Executive Director with immediate effect, serving on the Remuneration Committee, Audit Committee and Nomination Committee from appointment. It is intended that Julie will be appointed Chair of the Remuneration Committee subject to, and with effect from, the date of regulatory approval. Victoria Stewart, the current Chair of the Remuneration Committee, who is entering her ninth year on the Board, will step down as a Non-Executive Director, effective from 31 December 2024 or, if later, the date of regulatory approval for the new Chair of the Remuneration Committee. Julie Hopes is a Non-Executive Director of Saga plc where she chairs the Remuneration and Risk Committees and is Deputy Chair, and Chair of the Remuneration Committee, of West Bromwich Building Society. She is currently a Non-Executive Director of MS Amlin Underwriting Limited, where she also chairs the Risk and Solvency Committee, however, will be stepping down from this role on 31 October 2024. Julie has previously served as Chair of Police Mutual and a Non-Executive Director and Chair of the Risk Committee of Co-Operative Insurance. Julie built her executive career in insurance having served in a number of senior roles at RSA plc, before becoming Managing Director of Insurance at Tesco Bank. The Company also announces that effective immediately Victoria Mitchell, a current Non-Executive Director of STB, will become a member of the Company's Risk Committee.
공고 • Aug 14Secure Trust Bank PLC Approves Interim Dividend for the Six Months to 30 June 2024, Payable on 26 September 2024Secure Trust Bank PLC approved an interim dividend for the six months to 30 June 2024 of 11.3 pence per share for HY 2024 (half year 2023: 16.0 pence), which will be payable on 26 September 2024 to shareholders on the register at the close of business on 30 August 2024. This is in line with the Group's revised dividend policy set out in the Fiscal Year 2023 results; where the dividend was re-based to a progressive approach.
공고 • Jul 04Secure Trust Bank PLC to Report First Half, 2024 Results on Aug 14, 2024Secure Trust Bank PLC announced that they will report first half, 2024 results on Aug 14, 2024
Valuation Update With 7 Day Price Move • May 21Investor sentiment improves as stock rises 15%After last week's 15% share price gain to UK£8.10, the stock trades at a forward P/E ratio of 4x. Average forward P/E is 6x in the Banks industry in the United Kingdom. Total returns to shareholders of 35% over the past year.
공고 • May 18Secure Trust Bank PLC Approves Final DividendSecure Trust Bank PLC at its AGM held on 16 May 2024, approved final dividend of 16.2 pence per ordinary share.
Recent Insider Transactions • May 16CEO & Director recently bought UK£81k worth of stockOn the 7th of May, David McCreadie bought around 12k shares on-market at roughly UK£6.93 per share. This transaction amounted to 30% of their direct individual holding at the time of the trade. This was the largest purchase by an insider in the last 3 months. David has been a buyer over the last 12 months, purchasing a net total of UK£258k worth in shares.
Upcoming Dividend • Apr 18Upcoming dividend of UK£0.16 per shareEligible shareholders must have bought the stock before 25 April 2024. Payment date: 23 May 2024. Payout ratio is a comfortable 23% but the company is not cash flow positive. Trailing yield: 4.7%. Lower than top quartile of British dividend payers (6.1%). Lower than average of industry peers (6.5%).
Declared Dividend • Mar 24Final dividend reduced to UK£0.16Dividend of UK£0.16 is 44% lower than last year. Ex-date: 25th April 2024 Payment date: 23rd May 2024 Dividend yield will be 5.0%, which is lower than the industry average of 6.5%. Sustainability & Growth Dividend is well covered by earnings (23% payout ratio) and is expected to be well covered in 3 years' time (13% forecast payout ratio). The dividend has decreased over the past 10 years, indicating a lack of growth and stability in payments. EPS is expected to grow by 88% over the next 3 years, which should provide support to the dividend and adequate earnings cover.
공고 • Mar 23Secure Trust Bank plc Proposes Final Dividend for the Year 2023, Payable on May 23, 2024The Directors of Secure Trust Bank PLC are proposing a final dividend of 16.2 pence per share for 2023, which will be payable on 23 May 2024 to shareholders on the register at the close of business on 26 April 2024. The total dividend payable for 2023 is 32.2 pence per share (2022: 45.1 pence per share).
Reported Earnings • Mar 21Full year 2023 earnings released: EPS: UK£1.41 (vs UK£1.11 in FY 2022)Full year 2023 results: EPS: UK£1.41 (up from UK£1.11 in FY 2022). Revenue: UK£141.8m (up 7.0% from FY 2022). Net income: UK£26.4m (up 28% from FY 2022). Profit margin: 19% (up from 16% in FY 2022). The increase in margin was driven by higher revenue. Revenue is forecast to grow 17% p.a. on average during the next 3 years, compared to a 3.7% growth forecast for the Banks industry in the United Kingdom.
공고 • Jan 25Secure Trust Bank PLC Announces Board ChangesOn 30 March 2023, Secure Trust Bank PLC announced that Lord Forsyth would be retiring as Chairman and a Non-Executive director at the Annual General Meeting (AGM) in May 2024. The Company announced the appointment of Jim Brown as a Non-Executive Director with effect from 31 March 2024 and that he will succeed Lord Forsyth as Chairman following the conclusion of the AGM, subject to regulatory approval. The Board considers Jim Brown to be independent on appointment. Jim Brown is a banking professional with many years' experience, gained through a number of executive positions. He is currently CEO, Sainsbury's Bank and a member of the Sainsbury's Group Operating Board and will be retiring from these roles at the end of March 2024. He is also a Non-Executive Director on the Board of Just Group plc. Before this, Jim was the Chief Executive Officer, Future Williams & Glyn within the RBS Group and prior to this he was CEO, Ulster Bank Group. He held a number of senior appointments within RBS and ABN AMRO in Asia and earlier in his career with Citibank and Chase AMP Bank. On joining the Board Jim Brown will become a member of the Remuneration Committee and a member of the Nomination Committee and will Chair the Nomination Committee following his appointment as Chairman.
공고 • Dec 21+ 1 more updateSecure Trust Bank PLC, Annual General Meeting, May 16, 2024Secure Trust Bank PLC, Annual General Meeting, May 16, 2024.
공고 • Oct 28Secure Trust Bank plc Appoints Victoria Mitchell as an Independent Non-Executive Director of the Company, Effective from 1 November 2023Secure Trust Bank PLC announces the appointment of Victoria Mitchell as an independent Non-Executive Director of the Company with effect from 1 November 2023. Vicky will also join the Remuneration Committee and the Nomination Committee on the same date. Vicky has many years of banking experience, gained predominantly during a twenty-year career with Capital One (Europe) plc, during which she served as Chief Legal Counsel, Chief Risk Officer and Chief Operating Officer. She sits on the Board and is a member of the Remuneration and Risk Committees of the West Bromwich Building Society. She is also a member of the Audit & Risk Committee, Nomination and Governance Committee and is Chair of the Financial Services Board at N Brown Group plc. Vicky has recently joined the Board of Vocalink Limited, where she chairs the Risk Committee and is a member of the Audit Committee. Vicky was previously a Non-Executive Director at Lookers plc, which gave her considerable insight into the Motor Finance industry. She was a member of the Audit and Risk, Remuneration and Nomination Committees throughout her tenure at Lookers plc, was Chair of the Remuneration Committee from April 2021 to September 2022 and was Chair of Lookers Motor Group Limited. She is a graduate of Birmingham University.
Board Change • Oct 01Insufficient new directorsThere is 1 new director who has joined the board in the last 3 years. The company's board is composed of: 1 new director. 5 experienced directors. 1 highly experienced director. Independent Non-Executive Director Finlay Williamson was the last director to join the board, commencing their role in 2021. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model.
Upcoming Dividend • Aug 24Upcoming dividend of UK£0.16 per share at 6.7% yieldEligible shareholders must have bought the stock before 31 August 2023. Payment date: 28 September 2023. Payout ratio is a comfortable 42% but the company is not cash flow positive. Trailing yield: 6.7%. Within top quartile of British dividend payers (6.3%). Higher than average of industry peers (5.7%).
Recent Insider Transactions • Aug 13CEO & Director recently bought UK£101k worth of stockOn the 9th of August, David McCreadie bought around 17k shares on-market at roughly UK£5.86 per share. This transaction increased David's direct individual holding by 2x at the time of the trade. This was the largest purchase by an insider in the last 3 months. David has been a buyer over the last 12 months, purchasing a net total of UK£142k worth in shares.
Reported Earnings • Aug 11First half 2023 earnings released: EPS: UK£0.66 (vs UK£0.69 in 1H 2022)First half 2023 results: EPS: UK£0.66 (down from UK£0.69 in 1H 2022). Revenue: UK£66.3m (up 3.9% from 1H 2022). Net income: UK£12.3m (down 4.7% from 1H 2022). Profit margin: 19% (down from 20% in 1H 2022). The decrease in margin was driven by higher expenses. Revenue is forecast to grow 17% p.a. on average during the next 3 years, compared to a 2.1% growth forecast for the Banks industry in the United Kingdom.
공고 • Jul 14Secure Trust Bank PLC to Report First Half, 2023 Results on Aug 09, 2023Secure Trust Bank PLC announced that they will report first half, 2023 results on Aug 09, 2023
Upcoming Dividend • Apr 21Upcoming dividend of UK£0.29 per share at 6.6% yieldEligible shareholders must have bought the stock before 27 April 2023. Payment date: 25 May 2023. Payout ratio is a comfortable 28% but the company is not cash flow positive. Trailing yield: 6.6%. Within top quartile of British dividend payers (5.8%). Higher than average of industry peers (4.6%).
Reported Earnings • Mar 31Full year 2022 earnings released: EPS: UK£1.62 (vs UK£2.45 in FY 2021)Full year 2022 results: EPS: UK£1.62 (down from UK£2.45 in FY 2021). Revenue: UK£132.5m (down 17% from FY 2021). Net income: UK£30.2m (down 34% from FY 2021). Profit margin: 23% (down from 28% in FY 2021). The decrease in margin was driven by lower revenue. Cost-to-income ratio: 55.0% (down from 63.7% in FY 2021). Non-performing loans: 1.57% (down from 6.00% in FY 2021). Revenue is forecast to grow 17% p.a. on average during the next 3 years, compared to a 5.5% growth forecast for the Banks industry in the United Kingdom.
공고 • Feb 07Secure Trust Bank PLC, Annual General Meeting, May 18, 2023Secure Trust Bank PLC, Annual General Meeting, May 18, 2023.
Valuation Update With 7 Day Price Move • Dec 31Investor sentiment improved over the past weekAfter last week's 16% share price gain to UK£7.50, the stock trades at a forward P/E ratio of 4x. Average forward P/E is 7x in the Banks industry in the United Kingdom.
공고 • Oct 29Secure Trust Bank PLC Announces Board AppointmentsSecure Trust Bank PLC announced the appointment of Paul Myers as the Designated Non- Executive Director for Employee Engagement and Chairman of the Employee Council with effect from 27 October 2022; and the appointment of Finlay Williamson as a member of the Audit Committee and Consumer Duty Champion also with effect from 27 October 2022. From 27 October 2022, the Audit Committee will be constituted as follows: Ann Berresford (Chair), Victoria Stewart and Finlay Williamson.
공고 • Oct 28An Unknown Buyer acquired Debt Managers (Services) loan portfolio.An Unknown Buyer acquired Debt Managers (Services) loan portfolio in May 2022. An Unknown Buyer completed the acquisition of Debt Managers (Services) loan portfolio in May 2022.
Valuation Update With 7 Day Price Move • Oct 01Investor sentiment deteriorated over the past weekAfter last week's 22% share price decline to UK£7.39, the stock trades at a forward P/E ratio of 4x. Average forward P/E is 5x in the Banks industry in the United Kingdom.
공고 • Sep 22Secure Trust Bank plc Announces Resignation of Baroness Neville-Rolfe DBE, CMG, Non-Executive DirectorSecure Trust Bank PLC announced that Baroness Neville-Rolfe DBE, CMG, Non-Executive Director, has informed the Board that following her appointment as a Government minister, she is stepping down from the Board with immediate effect.
Upcoming Dividend • Aug 18Upcoming dividend of UK£0.16 per shareEligible shareholders must have bought the stock before 25 August 2022. Payment date: 26 September 2022. Payout ratio is a comfortable 32% but the company is not cash flow positive. Trailing yield: 5.6%. Within top quartile of British dividend payers (5.2%). Higher than average of industry peers (4.9%).
공고 • Aug 04Secure Trust Bank Recommends Interim Dividend Payable on 26 September 2022Secure Trust Bank PLC's policy is to pay total dividends representing 25% of annual earnings. The Board recommend the payment of an interim dividend for 2022 of 16.0 pence per share (H1 2021: 20.0 pence per share). This will be paid on 26 September 2022 with an associated record date of 26 August 2022.
Valuation Update With 7 Day Price Move • Jun 10Investor sentiment improved over the past weekAfter last week's 16% share price gain to UK£12.90, the stock trades at a forward P/E ratio of 7x. Average forward P/E is 7x in the Banks industry in the United Kingdom.
공고 • May 27Secure Trust Bank PLC (LSE:STB) completed the acquisition of AppToPay Ltd.Secure Trust Bank PLC (LSE:STB) agreed to acquire AppToPay Ltd on November 25, 2021. The transaction is subject to regulatory approvals and is expected to be completed around first quarter of 2022. Secure Trust Bank PLC (LSE:STB) completed the acquisition of AppToPay Ltd on May 26, 2022.
Reported Earnings • Mar 28Full year 2021 earnings released: EPS: UK£2.45 (vs UK£0.83 in FY 2020)Full year 2021 results: EPS: UK£2.45 (up from UK£0.83 in FY 2020). Revenue: UK£160.1m (up 43% from FY 2020). Net income: UK£45.6m (up 196% from FY 2020). Profit margin: 28% (up from 14% in FY 2020). The increase in margin was driven by higher revenue. Cost-to-income ratio: 63.7% (up from 55.7% in FY 2020). Non-performing loans: 6.00% (up from 5.82% in FY 2020). Over the next year, revenue is forecast to grow 15%, compared to a 1.9% growth forecast for the banks industry in the United Kingdom.
Valuation Update With 7 Day Price Move • Mar 10Investor sentiment deteriorated over the past weekAfter last week's 16% share price decline to UK£11.28, the stock trades at a forward P/E ratio of 5x. Average forward P/E is 7x in the Banks industry in the United Kingdom.
공고 • Nov 27Secure Trust Bank PLC (LSE:STB) agreed to acquire AppToPay Ltd.Secure Trust Bank PLC (LSE:STB) agreed to acquire AppToPay Ltd on November 25, 2021. The transaction is subject to regulatory approvals and is expected to be completed around first quarter of 2022.
Board Change • Nov 17High number of new directorsIndependent Non-Executive Director Finlay Williamson was the last director to join the board, commencing their role in 2021.
Board Change • Oct 06High number of new directorsThere are 6 new directors who have joined the board in the last 3 years. Independent Non-Executive Director Finlay Williamson was the last director to join the board, commencing their role in 2021. The company’s lack of board continuity is considered a risk according to the Simply Wall St Risk Model.
Board Change • Sep 17High number of new directorsThere are 6 new directors who have joined the board in the last 3 years. Independent Non-Executive Director Finlay Williamson was the last director to join the board, commencing their role in 2021. The company’s lack of board continuity is considered a risk according to the Simply Wall St Risk Model.
