CBP Stock Overview
Curtis Banks Group plc, through its subsidiaries, provides pension administration services principally for self-invested personal pension schemes and small self-administered pension schemes in the United Kingdom.
Price History & Performance
|Historical stock prices|
|Current Share Price||UK£2.72|
|52 Week High||UK£2.93|
|52 Week Low||UK£1.95|
|1 Month Change||7.51%|
|3 Month Change||4.22%|
|1 Year Change||39.49%|
|3 Year Change||-0.73%|
|5 Year Change||35.32%|
|Change since IPO||31.72%|
Recent News & Updates
Curtis Banks Group (LON:CBP) Has Re-Affirmed Its Dividend Of UK£0.025
Curtis Banks Group plc's ( LON:CBP ) investors are due to receive a payment of UK£0.025 per share on 12th of November...
|CBP||GB Diversified Financial||GB Market|
Return vs Industry: CBP exceeded the UK Diversified Financial industry which returned -1% over the past year.
Return vs Market: CBP exceeded the UK Market which returned 14.8% over the past year.
|CBP Average Weekly Movement||4.7%|
|Diversified Financial Industry Average Movement||4.0%|
|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: CBP is not significantly more volatile than the rest of UK stocks over the past 3 months, typically moving +/- 5% a week.
Volatility Over Time: CBP's weekly volatility (5%) has been stable over the past year.
About the Company
Curtis Banks Group plc, through its subsidiaries, provides pension administration services principally for self-invested personal pension schemes and small self-administered pension schemes in the United Kingdom. The company operates in two segments, Pensions Administration and FinTech. It also offers IT software development, licenses, and consultancy services to businesses within the financial services sector; and legal and property valuation services.
Curtis Banks Group Fundamentals Summary
|CBP fundamental statistics|
Is CBP overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|CBP income statement (TTM)|
|Cost of Revenue||UK£0|
Last Reported Earnings
Jun 30, 2021
Next Earnings Date
|Earnings per share (EPS)||0.098|
|Net Profit Margin||10.69%|
How did CBP perform over the long term?See historical performance and comparison
3.3%Current Dividend Yield
Is Curtis Banks Group 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: CBP (£2.72) is trading below our estimate of fair value (£2.75)
Significantly Below Fair Value: CBP is trading below fair value, but not by a significant amount.
Price To Earnings Ratio
PE vs Industry: CBP is poor value based on its PE Ratio (27.7x) compared to the UK Diversified Financial industry average (17x).
PE vs Market: CBP is poor value based on its PE Ratio (27.7x) compared to the UK market (19.9x).
Price to Earnings Growth Ratio
PEG Ratio: CBP is poor value based on its PEG Ratio (1.3x)
Price to Book Ratio
PB vs Industry: CBP is overvalued based on its PB Ratio (2.3x) compared to the GB Diversified Financial industry average (1.3x).
How is Curtis Banks Group forecast to perform in the next 1 to 3 years based on estimates from 3 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: CBP's forecast earnings growth (20.8% per year) is above the savings rate (0.9%).
Earnings vs Market: CBP's earnings (20.8% per year) are forecast to grow faster than the UK market (12.7% per year).
High Growth Earnings: earnings are expected to grow significantly over the next 3 years.
Revenue vs Market: CBP's revenue (4.6% per year) is forecast to grow slower than the UK market (4.8% per year).
High Growth Revenue: CBP's revenue (4.6% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: Insufficient data to determine if CBP's Return on Equity is forecast to be high in 3 years time
How has Curtis Banks Group performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: CBP has high quality earnings.
Growing Profit Margin: CBP's current net profit margins (10.7%) are lower than last year (14.8%).
Past Earnings Growth Analysis
Earnings Trend: CBP's earnings have grown by 10.8% per year over the past 5 years.
Accelerating Growth: CBP's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: CBP had negative earnings growth (-10.1%) over the past year, making it difficult to compare to the Diversified Financial industry average (-10.1%).
Return on Equity
High ROE: CBP's Return on Equity (8.1%) is considered low.
How is Curtis Banks Group's financial position?
Financial Position Analysis
Short Term Liabilities: CBP's short term assets (£430.6M) exceed its short term liabilities (£97.3M).
Long Term Liabilities: CBP's short term assets (£430.6M) do not cover its long term liabilities (£3.7B).
Debt to Equity History and Analysis
Debt Level: CBP has more cash than its total debt.
Reducing Debt: CBP's debt to equity ratio has reduced from 285.5% to 112.6% over the past 5 years.
Debt Coverage: CBP's operating cash flow is negative, therefore debt is not well covered.
Interest Coverage: CBP's interest payments on its debt are well covered by EBIT (7.8x coverage).
What is Curtis Banks Group current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: CBP's dividend (3.31%) is higher than the bottom 25% of dividend payers in the UK market (1.37%).
High Dividend: CBP's dividend (3.31%) is low compared to the top 25% of dividend payers in the UK market (4.08%).
Stability and Growth of Payments
Stable Dividend: CBP has been paying a dividend for less than 10 years and during this time payments have been volatile.
Growing Dividend: CBP's dividend payments have increased, but the company has only paid a dividend for 6 years.
Current Payout to Shareholders
Dividend Coverage: With its high payout ratio (90.9%), CBP's dividend payments are not well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: CBP's dividends in 3 years are forecast to be covered by earnings (52.5% payout ratio).
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Mr. William Arthur Self, also known as Will, has been Chief Executive Officer at Curtis Banks Group plc since January 2019 and served as its Deputy Chief Executive Officer since August 30, 2016 until Janua...
CEO Compensation Analysis
Compensation vs Market: Will's total compensation ($USD683.85K) is about average for companies of similar size in the UK market ($USD559.12K).
Compensation vs Earnings: Will's compensation has been consistent with company performance over the past year.
Experienced Management: CBP's management team is considered experienced (3.3 years average tenure).
Experienced Board: CBP's board of directors are considered experienced (3.5 years average tenure).
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.
Curtis Banks Group plc's employee growth, exchange listings and data sources
- Name: Curtis Banks Group plc
- Ticker: CBP
- Exchange: AIM
- Founded: 2009
- Industry: Other Diversified Financial Services
- Sector: Diversified Financials
- Market Cap: UK£183.866m
- Shares outstanding: 66.62m
- Website: https://www.curtisbanks.co.uk
Number of Employees
- Curtis Banks Group plc
- 3 Temple Quay
- Temple Back East
- BS1 6DZ
- United Kingdom
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/11/25 21:51|
|End of Day Share Price||2021/11/25 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.