ARBN Stock Overview

Provides private and commercial banking products and services in the United Kingdom. More details

ARBN fundamental analysis
Snowflake Score
Valuation	3/6
Future Growth	1/6
Past Performance	2/6
Financial Health	4/6
Dividends	4/6

Rewards

Trading at 38.6% below our estimate of its fair value

Revenue is forecast to grow 4.2% per year

Risk Analysis

Earnings are forecast to decline by an average of 1.5% per year for the next 3 years

Unstable dividend track record

My Notes

Capture your thoughts, links and company narrative

Arbuthnot Banking Group PLC Competitors

Secure Trust Bank

LSE:STB

UK£67.7m

Close Brothers Group

LSE:CBG

UK£346.8m

Bank of Georgia Group

LSE:BGEO

UK£2.0b

TBC Bank Group

LSE:TBCG

UK£1.7b

Price History & Performance

Summary of share price highs, lows and changes for Arbuthnot Banking Group
Historical stock prices
Current Share Price	UK£6.80
52 Week High	UK£0
52 Week Low	UK£0
Beta	0.94
1 Month Change	0%
3 Month Change	0%
1 Year Change	-2.86%
3 Year Change	-0.73%
5 Year Change	-38.74%
Change since IPO	-46.67%

Recent updates

Shareholder Returns

	ARBN	GB Banks	GB Market
7D	0%	1.2%	1.3%
1Y	-2.9%	34.7%	4.3%

Return vs Industry: ARBN underperformed the UK Banks industry which returned 34.7% over the past year.

Return vs Market: ARBN underperformed the UK Market which returned 4.3% over the past year.

Price Volatility

Is ARBN's price volatile compared to industry and market?
ARBN volatility
ARBN Average Weekly Movement	0.6%
Banks Industry Average Movement	3.7%
Market Average Movement	4.7%
10% most volatile stocks in GB Market	10.5%
10% least volatile stocks in GB Market	2.6%

Stable Share Price: ARBN has not had significant price volatility in the past 3 months compared to the UK market.

Volatility Over Time: ARBN's weekly volatility (1%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
1833	799	Henry Angest	www.arbuthnotlatham.co.uk/group

Arbuthnot Banking Group PLC, together with its subsidiaries, provides private and commercial banking products and services in the United Kingdom. It operates through nine segments: Banking, Wealth Management, Mortgage Portfolios, Renaissance Asset Finance, Arbuthnot Commercial Asset Based Lending, Arbuthnot Specialist Finance Limited, Asset Alliance Group, All Other Divisions, and Group Centre segments. The company offers private and commercial banking services, including current and deposit accounts, loans, overdrafts, guarantees, and foreign exchange; financial planning; investment and asset management; asset finance funding; property finance; asset based lending, deposits, and specialist finance; and other finance.

Arbuthnot Banking Group PLC Fundamentals Summary

How do Arbuthnot Banking Group's earnings and revenue compare to its market cap?
ARBN fundamental statistics
Market cap	UK£147.80m
Earnings (TTM)	UK£30.85m
Revenue (TTM)	UK£179.17m

4.8x

P/E Ratio

0.6x

P/B Ratio

Is ARBN overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
ARBN income statement (TTM)
Revenue	UK£179.17m
Cost of Revenue	UK£0
Gross Profit	UK£179.17m
Other Expenses	UK£148.33m
Earnings	UK£30.85m

Last Reported Earnings

Jun 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	1.89
Gross Margin	100.00%
Net Profit Margin	17.22%
Debt/Equity Ratio	15.1%

How did ARBN perform over the long term?

See historical performance and comparison

Dividends

5.2%

Current Dividend Yield

25%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/01/03 22:43
End of Day Share Price	2025/01/03 00:00
Earnings	2024/06/30
Annual Earnings	2023/12/31

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	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* 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

Arbuthnot Banking Group PLC is covered by 7 analysts. 2 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
Mark Thomas	Edison Investment Research
Brian Moretta	Hardman & Co.
Mark Thomas	Hardman & Co.