STB Share Price Performance
UK£10.15
6.46 (175.07%)
40.7% undervalued intrinsic discount
UK£17.11
Fair Value
Price UK£10.15
AnalystConsensusTarget UK£17.11
AnalystLowTarget UK£14.20
AnalystHighTarget UK£19.70
Fair ValueUK£17.84
Share Pricen/a
Secure Trust Bank PLC Stock Price
- 3 Narratives written by author
- 0 Comments on narratives written by author
- 73 Fair Values set on narratives written by author
STB Community Narratives
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Fair Value UK£17.84 43.1% undervalued intrinsic discount
Digital Migration And Specialist Lending Will Strengthen Future Performance
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AN
Fair Value UK£14.2 28.5% undervalued intrinsic discount
Digital Upheaval Will Pressure UK Finance But Efficiency Will Persevere
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Fair Value UK£21.7 53.2% undervalued intrinsic discount
Digital And ESG Trends Will Expand Specialist Lending
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Digital And ESG Trends Will Expand Specialist Lending
Key Takeaways Digital transformation and structural simplification are poised to drive significant margin expansion and long-term earnings growth beyond analyst expectations. Strategic redeployment of capital and expertise in specialist lending position the bank to outpace rivals in growth, cross-sell, and green finance innovation.Read more
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AN
UK£21.7
53.2% undervalued intrinsic discount
AnalystHighTarget Fair Value
Revenue
25% p.a.
Profit Margin
31.73%
Future PE
5.66x
Price in 2028
UK£27.58
Digital Migration And Specialist Lending Will Strengthen Future Performance
Key Takeaways Digital transformation and stringent cost discipline are boosting efficiency, customer retention, and operating margins. Strategic shift to specialist lending in larger, underpenetrated markets supports high-quality revenue growth and long-term business resilience.Read more
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42users have followed this narrative
AN
UK£17.84
43.1% undervalued intrinsic discount
AnalystConsensusTarget Fair Value
Revenue
23% p.a.
Profit Margin
32.54%
Future PE
4.8x
Price in 2028
UK£22.6
Digital Upheaval Will Pressure UK Finance But Efficiency Will Persevere
Key Takeaways Strong digital and niche lending positions could be undermined by fintech competition, sector-specific risks, and rapidly rising technology and cybersecurity costs. Smaller scale and new regulatory dynamics may limit margin improvements and expose the bank to greater earnings volatility and customer attrition risks.Read more
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AN
UK£14.2
28.5% undervalued intrinsic discount
AnalystLowTarget Fair Value
Revenue
18% p.a.
Profit Margin
33.64%
Future PE
4.13x
Price in 2028
UK£17.99
Trending Discussion
Recently Updated Narratives
AN
Digital Upheaval Will Pressure UK Finance But Efficiency Will Persevere
Fair Value: UK£14.2 28.5% undervalued intrinsic discount
2 followersusers have followed this narrative
0 commentsusers have commented on this narrative
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AN
Digital And ESG Trends Will Expand Specialist Lending
Fair Value: UK£21.7 53.2% undervalued intrinsic discount
0 followersusers have followed this narrative
0 commentsusers have commented on this narrative
0 likesusers have liked this narrative
AN
Digital Migration And Specialist Lending Will Strengthen Future Performance
Fair Value: UK£17.84 43.1% undervalued intrinsic discount
42 followersusers have followed this narrative
0 commentsusers have commented on this narrative
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Snowflake Analysis
Secure Trust Bank PLC Key Details
Last Reported Earnings
Jun 30, 2025
Next Reporting Earnings
n/a
- 1.24
- 100.00%
- 15.77%
- 96.7%
About STB
- Founded
- 1952
- Employees
- 915
- CEO
- WebsiteView website
Secure Trust Bank PLC provides banking and financial products and services in the United Kingdom. The company operates through Retail Finance, Vehicle Finance, Real Estate Finance, and Commercial Finance segments. The Retail Finance segment offers unsecured finance for consumer products, including bicycles, music, furniture, outdoor/leisure, electronics, dental, jewelry, home improvements, and football season tickets. The Vehicle Finance segment provides hire purchase lending for used cars. The Real Estate Finance segment provides secured loans against property assets. The Commercial Finance segment provides invoice discounting solutions, coronavirus business interruption loan scheme, and recovery loan schemes. Secure Trust Bank PLC was founded in 1952 and is headquartered in Solihull, the United Kingdom.
