Secure Trust Bank (STB) Stock Overview
Provides banking and financial products and services in the United Kingdom. More details
| Snowflake Score | |
|---|---|
| Valuation | 4/6 |
| Future Growth | 3/6 |
| Past Performance | 3/6 |
| Financial Health | 4/6 |
| Dividends | 3/6 |
STB Community Fair Values
Create NarrativeSee what 71 others think this stock is worth. Follow their fair value or set your own to get alerts.
Analyst Price Targets
Secure Trust Bank PLC Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | UK£13.46 |
| 52 Week High | UK£15.50 |
| 52 Week Low | UK£7.26 |
| Beta | 0.98 |
| 1 Month Change | 5.98% |
| 3 Month Change | 0.82% |
| 1 Year Change | 78.99% |
| 3 Year Change | 115.71% |
| 5 Year Change | 29.42% |
| Change since IPO | 78.28% |
Recent News & Updates
Narrative Update • Jun 06
STB: Higher Assumed Revenue And Multiple Will Drive Future Upside Potential
Analysts have raised their price target on Secure Trust Bank from £18 to £20, citing updated assumptions for revenue growth, profit margins and a higher future P/E multiple in their latest models. What's in the News Secure Trust Bank PLC plans for Chief Financial Officer Rachel Lawrence to retire during the first half of 2027 after a career of over 35 years, following her appointment as CFO in September 2020.
Narrative Update • May 23
STB: Dividend And Buyback Plans Will Support Stronger Future Share Price
Analysts have kept their fair value estimate for Secure Trust Bank steady at £21.00, while making only minor adjustments to underlying assumptions such as the discount rate and future P/E. This suggests their overall price target rationale is broadly unchanged.Recent updates
Narrative Update • Jun 06
STB: Higher Assumed Revenue And Multiple Will Drive Future Upside Potential
Analysts have raised their price target on Secure Trust Bank from £18 to £20, citing updated assumptions for revenue growth, profit margins and a higher future P/E multiple in their latest models. What's in the News Secure Trust Bank PLC plans for Chief Financial Officer Rachel Lawrence to retire during the first half of 2027 after a career of over 35 years, following her appointment as CFO in September 2020.Narrative Update • May 23
STB: Dividend And Buyback Plans Will Support Stronger Future Share Price
Analysts have kept their fair value estimate for Secure Trust Bank steady at £21.00, while making only minor adjustments to underlying assumptions such as the discount rate and future P/E. This suggests their overall price target rationale is broadly unchanged.
Narrative Update • May 07
STB: Potential Share Repurchase Will Support Earnings Profile And Future Upside
Analysts have trimmed their price target on Secure Trust Bank by £0.22, citing updated assumptions around discount rates, revenue growth, profit margins and future P/E expectations. What's in the News On March 12, 2026, Secure Trust Bank announced that its Board of Directors will consider a share repurchase program.Narrative Update • Apr 23
STB: Share Buyback Prospects Will Support Stronger Future Share Price
Analysts have lifted their price target for Secure Trust Bank from £18.73 to £21.00, reflecting updated assumptions around revenue growth, profit margins and future P/E multiples. What's in the News On March 12, 2026, Secure Trust Bank announced that its Board of Directors will consider launching a share repurchase program, under which the company would buy back its own shares (Key Developments).Narrative Update • Apr 08
STB: Share Repurchase Plans Will Support Earnings Profile And Future Upside Potential
Analysts have kept their £22.00 price target for Secure Trust Bank unchanged, citing relatively steady assumptions for discount rate, revenue growth, profit margin and future P/E as support for this level. What's in the News On March 12, 2026, Secure Trust Bank announced that its Board of Directors will consider launching a share repurchase program under which the company would buy back its own shares (Key Developments).Narrative Update • Mar 25
STB: Share Repurchase Plans Will Support Improved Margin And Earnings Profile
Analysts have lifted their price target on Secure Trust Bank from £21.70 to £22.00, citing updated assumptions that include a revised discount rate, adjusted revenue growth expectations, a different profit margin outlook, and a new future P/E input. What's in the News On March 12, 2026, Secure Trust Bank announced that its Board of Directors will consider a share repurchase program, under which the company would buy back its own shares (Key Developments).Narrative Update • Mar 11
STB: Higher Margin Assumptions And Lower Discount Rate Will Support Upside
Analysts have kept their £18.00 price target for Secure Trust Bank unchanged, with slightly adjusted assumptions for the discount rate, revenue growth, profit margin and future P/E, which helps to support their existing view on valuation. Valuation Changes Fair Value: £18.00 unchanged, with no adjustment to the headline valuation level.Narrative Update • Feb 24
STB: Higher Margin Outlook And Lower Discount Rate May Support Upside
Analysts have nudged their price target on Secure Trust Bank up from £17.62 to £18.00, citing updated assumptions around revenue growth, profit margins and future P/E levels. Valuation Changes Fair Value: £17.62 to £18.00, a small uplift in the central valuation estimate.Narrative Update • Feb 09
STB: Higher Margin Assumptions Will Support Stronger Future Share Price
Analysts have raised their price target on Secure Trust Bank to £18.73 from £18.54, citing updated assumptions around discount rates, revenue growth, profit margins and future P/E multiples. Valuation Changes Fair Value: moved slightly from £18.54 to £18.73 per share.Narrative Update • Jan 25
STB: Stable Assumptions And Margins Will Support Stronger Future Share Price
Analysts have slightly adjusted their price target on Secure Trust Bank, citing fine tuning of assumptions around the discount rate, revenue growth, profit margin and future P/E that leaves their view of fair value broadly unchanged at £18.54. Valuation Changes Fair Value: The estimated fair value per share remains effectively unchanged at £18.54.Narrative Update • Jan 11
STB: Higher Margin Outlook Will Support Stronger Future Share Price
Analysts have lifted their fair value estimate for Secure Trust Bank from £17.84 to £18.54, citing updated assumptions that combine a slightly higher discount rate and future P/E with revised expectations for revenue growth and profit margins. Valuation Changes Fair Value Estimate was raised slightly from £17.84 to £18.54 per share.Narrative Update • Dec 27
STB: Stronger Future Margins May Support Attractive Upside Potential
Analysts have nudged their price target for Secure Trust Bank slightly higher to £17.62, citing marginally stronger expectations for revenue growth and profit margins, as well as a lower future P/E multiple that together support a modest uplift in fair value. Valuation Changes Fair Value: Unchanged at £17.62 per share, indicating no revision to the central valuation outcome.Narrative Update • Dec 12
STB: Stronger Profit Margins May Support Attractive Upside Potential
Analysts have raised their price target on Secure Trust Bank from approximately £14.20 to around £17.60 per share, citing expectations of stronger profitability, a higher sustainable profit margin, and a slightly higher justified earnings multiple, despite moderating top line growth assumptions. What's in the News Secure Trust Bank PLC has been added to the S&P Global BMI Index, which may increase visibility among institutional investors and index-tracking funds (Key Developments) Valuation Changes The fair value estimate has risen from about £14.20 to approximately £17.60 per share, reflecting a material upward reassessment of intrinsic value.Analysis Article • Aug 17
Secure Trust Bank (LON:STB) Will Pay A Dividend Of £0.118
Secure Trust Bank PLC ( LON:STB ) has announced that it will pay a dividend of £0.118 per share on the 25th of...
New Narrative • Mar 16
Project Fusion And Consumer Lending Focus Will Improve Future Operational Efficiency
Growth in net lending and cost savings initiatives are expected to boost future revenue and improve net margins.Analysis Article • Mar 16
Secure Trust Bank (LON:STB) Is Paying Out A Larger Dividend Than Last Year
Secure Trust Bank PLC ( LON:STB ) has announced that it will be increasing its dividend from last year's comparable...Analysis Article • Aug 17
Secure Trust Bank (LON:STB) Has Announced That Its Dividend Will Be Reduced To £0.113
Secure Trust Bank PLC's ( LON:STB ) dividend is being reduced by 29% to £0.113 per share on 26th of September, in...Analysis Article • Apr 12
Secure Trust Bank (LON:STB) Has Announced A Dividend Of £0.162
Secure Trust Bank PLC ( LON:STB ) has announced that it will pay a dividend of £0.162 per share on the 23rd of May...Analysis Article • Apr 02
Secure Trust Bank (LON:STB) Will Pay A Smaller Dividend Than Last Year
Secure Trust Bank PLC ( LON:STB ) has announced that on 25th of May, it will be paying a dividend of£0.291, which a...Shareholder Returns
| STB | GB Banks | GB Market | |
|---|---|---|---|
| 7D | 7.3% | 1.7% | 1.0% |
| 1Y | 79.0% | 48.4% | 18.0% |
Return vs Industry: STB exceeded the UK Banks industry which returned 48.4% over the past year.
Return vs Market: STB exceeded the UK Market which returned 18% over the past year.
Price Volatility
| STB volatility | |
|---|---|
| STB Average Weekly Movement | 5.0% |
| Banks Industry Average Movement | 5.3% |
| Market Average Movement | 5.6% |
| 10% most volatile stocks in GB Market | 11.8% |
| 10% least volatile stocks in GB Market | 3.1% |
Stable Share Price: STB has not had significant price volatility in the past 3 months compared to the UK market.
Volatility Over Time: STB's weekly volatility (5%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1952 | 772 | Ian Corfield | www.securetrustbank.com |
Secure Trust Bank PLC provides banking and financial products and services in the United Kingdom. The company operates through four segments: Retail Finance, Real Estate Finance, Commercial Finance, and Other. The Retail Finance segment offers unsecured finance for consumer products, including furniture, jewelry, dental, leisure items and football season tickets.
Secure Trust Bank PLC Fundamentals Summary
| STB fundamental statistics | |
|---|---|
| Market cap | UK£257.30m |
| Earnings (TTM) | UK£44.60m |
| Revenue (TTM) | UK£133.80m |
5.8x
P/E Ratio0.7x
P/B RatioIs STB overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| STB income statement (TTM) | |
|---|---|
| Revenue | UK£133.80m |
| Cost of Revenue | UK£0 |
| Gross Profit | UK£133.80m |
| Other Expenses | UK£89.20m |
| Earnings | UK£44.60m |
Last Reported Earnings
Dec 31, 2025
Next Earnings Date
Aug 13, 2026
| Earnings per share (EPS) | 2.33 |
| Gross Margin | 100.00% |
| Net Profit Margin | 33.33% |
| Debt/Equity Ratio | 81.3% |
How did STB perform over the long term?
See historical performance and comparisonDividends
2.6%
Current Dividend Yield15%
Payout RatioCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/06/14 11:03 |
| End of Day Share Price | 2026/06/12 00:00 |
| Earnings | 2025/12/31 |
| Annual Earnings | 2025/12/31 |
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.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* 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.
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 Github.
Analyst Sources
Secure Trust Bank PLC is covered by 8 analysts. 3 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| null null | Canaccord Genuity |
| Robert Murphy | Edison Investment Research |
| Piers Brown | Investec Bank plc (UK) |