STB Stock Overview
Secure Trust Bank PLC provides banking and financial products and services in the United Kingdom.
Secure Trust Bank Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||UK£13.00|
|52 Week High||UK£14.20|
|52 Week Low||UK£8.33|
|1 Month Change||5.91%|
|3 Month Change||0%|
|1 Year Change||39.93%|
|3 Year Change||-9.41%|
|5 Year Change||-41.44%|
|Change since IPO||72.19%|
Recent News & Updates
|STB||GB Banks||GB Market|
Return vs Industry: STB exceeded the UK Banks industry which returned 30.6% over the past year.
Return vs Market: STB exceeded the UK Market which returned 17.9% over the past year.
|STB Average Weekly Movement||4.1%|
|Banks Industry Average Movement||4.2%|
|Market Average Movement||4.8%|
|10% most volatile stocks in GB Market||9.7%|
|10% least volatile stocks in GB Market||2.5%|
Stable Share Price: STB is not significantly more volatile than the rest of UK stocks over the past 3 months, typically moving +/- 4% a week.
Volatility Over Time: STB's weekly volatility (4%) has been stable over the past year.
About the Company
Secure Trust Bank PLC provides banking and financial products and services in the United Kingdom. It operates in seven segments: Real Estate Finance, Asset Finance, Commercial Finance, Motor Finance, Retail Finance, Debt Management, and Consumer Mortgages. The Real Estate Finance segment provides loans for residential and commercial investment and development, as well as for mixed development projects.
Secure Trust Bank Fundamentals Summary
|STB fundamental statistics|
Is STB overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|STB income statement (TTM)|
|Cost of Revenue||UK£0|
Last Reported Earnings
Jun 30, 2021
Next Earnings Date
|Earnings per share (EPS)||2.05|
|Net Profit Margin||26.62%|
How did STB perform over the long term?See historical performance and comparison
3.1%Current Dividend Yield
Is Secure Trust Bank undervalued compared to its fair value and its price relative to the market?
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: STB (£13) is trading below our estimate of fair value (£34.4)
Significantly Below Fair Value: STB is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: STB is good value based on its PE Ratio (6.3x) compared to the UK Banks industry average (8.2x).
PE vs Market: STB is good value based on its PE Ratio (6.3x) compared to the UK market (19.8x).
Price to Earnings Growth Ratio
PEG Ratio: STB is good value based on its PEG Ratio (0.6x)
Price to Book Ratio
PB vs Industry: STB is overvalued based on its PB Ratio (0.8x) compared to the GB Banks industry average (0.7x).
How is Secure Trust Bank forecast to perform in the next 1 to 3 years based on estimates from 5 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: STB's forecast earnings growth (11.4% per year) is above the savings rate (0.9%).
Earnings vs Market: STB's earnings (11.4% per year) are forecast to grow slower than the UK market (11.5% per year).
High Growth Earnings: STB's earnings are forecast to grow, but not significantly.
Revenue vs Market: STB's revenue (13.3% per year) is forecast to grow faster than the UK market (5.7% per year).
High Growth Revenue: STB's revenue (13.3% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: STB's Return on Equity is forecast to be low in 3 years time (14.4%).
How has Secure Trust Bank performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: STB has high quality earnings.
Growing Profit Margin: STB's current net profit margins (26.6%) are higher than last year (17.1%).
Past Earnings Growth Analysis
Earnings Trend: STB's earnings have grown by 10.5% per year over the past 5 years.
Accelerating Growth: STB's earnings growth over the past year (87.7%) exceeds its 5-year average (10.5% per year).
Earnings vs Industry: STB earnings growth over the past year (87.7%) underperformed the Banks industry 87.7%.
Return on Equity
High ROE: STB's Return on Equity (13.3%) is considered low.
How is Secure Trust Bank's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: STB's Assets to Equity ratio (9.1x) is low.
Allowance for Bad Loans: STB has a low allowance for bad loans (42%).
Low Risk Liabilities: 83% of STB's liabilities are made up of primarily low risk sources of funding.
Loan Level: STB has an appropriate level of Loans to Assets ratio (88%).
Low Risk Deposits: STB's Loans to Deposits ratio (120%) is appropriate.
Level of Bad Loans: STB has a high level of bad loans (7.2%).
What is Secure Trust Bank current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: STB's dividend (3.08%) is higher than the bottom 25% of dividend payers in the UK market (1.35%).
High Dividend: STB's dividend (3.08%) is low compared to the top 25% of dividend payers in the UK market (4.03%).
Stability and Growth of Payments
Stable Dividend: STB's dividend payments have been volatile in the past 10 years.
Growing Dividend: STB's dividend payments have increased over the past 10 years.
Current Payout to Shareholders
Dividend Coverage: With its reasonably low payout ratio (31.1%), STB's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: STB's dividends in 3 years are forecast to be well covered by earnings (25% payout ratio).
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
David McCreadie (52 yo)
Mr. David Andrew McCreadie, FCBI, serves as Chief Executive Officer and Director at Secure Trust Bank Plc since January 5, 2021. He had been Independent Non-Executive Director of Secure Trust Bank Plc sinc...
Experienced Management: STB's management team is considered experienced (2.3 years average tenure).
Experienced Board: STB's board of directors are not considered experienced ( 2.5 years average tenure), which suggests a new board.
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Secure Trust Bank PLC's employee growth, exchange listings and data sources
- Name: Secure Trust Bank PLC
- Ticker: STB
- Exchange: LSE
- Founded: 1952
- Industry: Diversified Banks
- Sector: Banks
- Market Cap: UK£242.299m
- Shares outstanding: 18.64m
- Website: https://www.securetrustbank.com
Number of Employees
- Secure Trust Bank PLC
- One Arleston Way
- West Midlands
- B90 4LH
- United Kingdom
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/11/26 21:26|
|End of Day Share Price||2021/11/26 00:00|
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.