Secure Trust Bank PLC

BATS-CHIXE:STBL Stock Report

Market Cap: UK£66.7m

Secure Trust Bank Past Earnings Performance

Past criteria checks 4/6

Secure Trust Bank's earnings have been declining at an average annual rate of -3.2%, while the Banks industry saw earnings growing at 24% annually. Revenues have been growing at an average rate of 3% per year. Secure Trust Bank's return on equity is 7.6%, and it has net margins of 18.7%.

Key information

-3.2%

Earnings growth rate

-3.6%

EPS growth rate

Banks Industry Growth21.2%
Revenue growth rate3.0%
Return on equity7.6%
Net Margin18.7%
Last Earnings Update30 Jun 2024

Recent past performance updates

Recent updates

Revenue & Expenses Breakdown

How Secure Trust Bank makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

BATS-CHIXE:STBL Revenue, expenses and earnings (GBP Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Jun 241442700
31 Mar 241432700
31 Dec 231422600
30 Sep 2313823500
30 Jun 23135201010
31 Mar 23134201010
31 Dec 22133211010
30 Sep 22135201020
30 Jun 22137191030
31 Mar 22141251030
31 Dec 21145311030
30 Sep 2114034970
30 Jun 2113436910
31 Mar 2112326910
31 Dec 2011215910
30 Sep 2011518910
30 Jun 2011920920
31 Mar 2012626920
31 Dec 1913331920
30 Sep 1913031880
30 Jun 1912730830
31 Mar 1912329830
31 Dec 1811928830
30 Jun 1810823690
31 Mar 1810222690
31 Dec 179620690
30 Jun 178513630
31 Mar 178414630
31 Dec 168414630
30 Sep 168418560
30 Jun 168521490
31 Mar 168020490
31 Dec 157519490
30 Jun 155214360
31 Mar 155414360
31 Dec 145514360
30 Sep 147718490
30 Jun 147216430
31 Mar 146814430
31 Dec 136312430

Quality Earnings: STBL has high quality earnings.

Growing Profit Margin: STBL's current net profit margins (18.7%) are higher than last year (14.9%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: STBL's earnings have declined by 3.2% per year over the past 5 years.

Accelerating Growth: STBL's earnings growth over the past year (33.8%) exceeds its 5-year average (-3.2% per year).

Earnings vs Industry: STBL earnings growth over the past year (33.8%) exceeded the Banks industry 10.1%.

Return on Equity

High ROE: STBL's Return on Equity (7.6%) is considered low.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/18 17:46
End of Day Share Price 2024/12/18 00:00
Earnings2024/06/30
Annual Earnings2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Secure Trust Bank PLC is covered by 13 analysts. 4 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Alexander BowersBerenberg
null nullCanaccord Genuity
Robin SavageCollins Stewart plc