Secure Trust Bank (STB)

Sector:

Banking

Index:

FTSE Small Cap

796.00p
   
  • Change Today:
      12.00p
  • 52 Week High: 808.00
  • 52 Week Low: 550.00
  • Currency: UK Pounds
  • Shares Issued: 19.06m
  • Volume: 112
  • Market Cap: £151.73m

STB Overview

Secure Trust Bank PLC is a United Kingdom-based retail bank. The Company’s segments include Real Estate Finance, Commercial Finance, Vehicle Finance and Retail Finance. Real Estate Finance is engaged in lending secured against property assets to a maximum 70% loan-to-value ratio, on fixed or variable rates over a term of up to five years. Commercial Finance is engaged in lending predominantly against receivables, typically releasing 90% of qualifying invoices under invoice discounting facilities. Other assets can also be funded either long or short-term and for a range of loan-to-value ratios alongside these services. Vehicle Finance include hire purchase lending for used cars to prime and near-prime customers and Personal Contract Purchase lending into the consumer prime credit market, both secured against the vehicle financed.

1 Day Chart

1 Day Chart

6 Month Chart

6 Month Chart

Financials

Latest F'cast
Div Yield 4.1% 0.0%
Div Cover 4.4 4.9
Op Mrgn 11.9% 83.1%
ROCE 10.4%  
Latest F'cast
P/E 5.6 3.6
PEG n/a 0.1
Pr/Revenue 0.5 0.7
Pr/Book 0.4  
Latest F'cast
Revenue 49.8% -29.6%
PBT -7.4% 392.2%
EPS -11.2% 53.0%
DPS -28.6% 35.7%

STB Fundamentals

Year Ending Revenue (£m) Pre-tax (£m) EPS P/E PEG EPS Grth. Div Yield
31-Dec-19 165.50 38.70 178.60p 9.0 0.9 +10% 20.00p 1.3%
31-Dec-20 166.10 19.10 82.70p 10.6 n/a -54% 44.00p 5.0%
31-Dec-21 163.90 55.90 244.10p 5.4 0.0 +195% 61.10p 4.6%
31-Dec-22 203.00 39.00 158.50p 4.7 n/a -35% 45.10p 6.0%
31-Dec-23 304.00 36.10 140.80p 4.9 n/a -11% 32.20p 4.7%

a. Based on UK GAAP presentation of accounts - includes discontinued activities

STB Forecasts

Year Ending Revenue (£m) Pre-tax (£m) EPS P/E PEG EPS Grth. Div Yield
31-Dec-24 213.97 177.70 215.40p 3.6 0.1 +53% 43.70p 0.0%
31-Dec-25 234.85 174.10 259.80p 3.0 0.1 +21% 46.77p 0.0%
31-Dec-26 245.40 188.85 298.40p 2.6 0.2 +15% 37.30p 0.0%

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STB Company Announcements

Change of Chairman and results of 2024 AGM 16-May-2024 16:57 RNS
Q1 2024 Trading Update 16-May-2024 07:00 RNS
Director/PDMR Shareholding 07-May-2024 14:48 RNS

Latest STB Director Deals

Traded Action Notifier PriceAmountValue
07-May-24 Buy David McCreadie 690.00p 2,882 £19,885.80
03-May-24 Buy David McCreadie 694.00p 2,880 £19,987.20
25-Apr-24 Sell Rachel Lawrence 695.00p 5,848 £40,643.60

Note 1: Prices and trades are provided by Digital Look Corporate Solutions and are delayed by at least 15 minutes.

Note 2: Above ratios are on a 'per annum' basis, adjusted for corporate actions and based on the fundamentals of the primary listed security.

Note 3: Under IFRS, all figures are based on 'Continuing' operations unless otherwise stated.

Note 4: In the case of dual listed securities, broker recommendations and forecasts relate to the primary listing.

Note 5: Forecast figures based on normalised accounts.

 

STB Market Data

Currency UK Pounds
Share Price 796.00p
Change Today 12.00p
% Change 1.53 %
52 Week High 808.00
52 Week Low 550.00
Volume 112
Shares Issued 19.06m
Market Cap £151.73m

STB Star Ratings

Compare performance with the sector and the market.
more star ratings
Key: vs Market vs Sector
Value
100.00% above the market average100.00% above the market average100.00% above the market average100.00% above the market average100.00% above the market average
100.00% above the sector average100.00% above the sector average100.00% above the sector average100.00% above the sector average100.00% above the sector average
Price Trend
38.97% above the market average38.97% above the market average38.97% above the market average38.97% above the market average38.97% above the market average
5.88% below the sector average5.88% below the sector average5.88% below the sector average5.88% below the sector average5.88% below the sector average
Income
94.44% above the market average94.44% above the market average94.44% above the market average94.44% above the market average94.44% above the market average
33.33% above the sector average33.33% above the sector average33.33% above the sector average33.33% above the sector average33.33% above the sector average
Growth
7.22% above the market average7.22% above the market average7.22% above the market average7.22% above the market average7.22% above the market average
29.41% below the sector average29.41% below the sector average29.41% below the sector average29.41% below the sector average29.41% below the sector average

What The Brokers Say

Strong Buy 2
Buy 1
Neutral 0
Sell 0
Strong Sell 0
Total 3
strong_buy
Broker recommendations should not be taken as investment advice, and are provided by the authorised brokers listed on this page.

STB Dividends

  Latest Previous
  Final Interim
Ex-Div 25-Apr-24 31-Aug-23
Paid 23-May-24 28-Sep-23
Amount 16.20p 16.00p

Trades for 23-May-2024

Time Volume / Share Price
08:39 88 @ 796.00p
08:07 12 @ 796.00p
08:00 12 @ 796.00p
08:00 11 @ 796.00p
08:00 1 @ 796.00p

STB Key Personnel

CEO David McCreadie

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