Secure Trust Bank (STB)

Sector:

Banking

Index:

FTSE Small Cap

1,005.00p
   
  • Change Today:
      5.00p
  • 52 Week High: 1,015.00
  • 52 Week Low: 339.00
  • Currency: UK Pounds
  • Shares Issued: 19.07m
  • Volume: 35,753
  • Market Cap: £191.69m
  • Beta: 0.00

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 3.4% 0.0%
Div Cover 3.1 6.6
Op Mrgn 8.0% 67.6%
ROCE 7.9%  
Latest F'cast
P/E 9.7 4.2
PEG n/a 0.0
Pr/Revenue 0.5 0.8
Pr/Book 0.5  
Latest F'cast
Revenue 20.4% -38.7%
PBT -19.1% 419.4%
EPS -26.6% 127.8%
DPS 5.0% 5.0%

STB Fundamentals

Year Ending Revenue (£m) Pre-tax (£m) EPS P/E PEG EPS Grth. Div Yield
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%
31-Dec-24 366.00 29.20 103.40p 3.5 n/a -27% 33.80p 9.3%

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-25 224.45 151.67 235.52p 4.3 0.0 +128% 35.50p 0.0%
31-Dec-26 246.32 170.40 310.37p 3.2 0.1 +32% 37.30p 0.0%
31-Dec-27 263.02 183.53 356.70p 2.8 0.2 +15% 39.10p 0.0%

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STB Company Announcements

Holding(s) in Company 10-Jul-2025 14:50 RNS
Director/PDMR Shareholding 09-Jul-2025 16:18 RNS
Director/PDMR Shareholding 07-Jul-2025 15:51 RNS

Latest STB Director Deals

Traded Action Notifier PriceAmountValue
03-Jul-25 Buy Jim Brown 869.22p 24,723 £214,897.16
02-Jul-25 Buy Jim Brown 848.00p 3,525 £29,892.00

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 1,005.00p
Change Today 5.00p
% Change 0.50 %
52 Week High 1,015.00
52 Week Low 339.00
Volume 35,753
Shares Issued 19.07m
Market Cap £191.69m
Beta 0.00

STB Star Ratings

Compare performance with the sector and the market.
more star ratings
Key: vs Market vs Sector
Value
99.43% above the market average99.43% above the market average99.43% above the market average99.43% above the market average99.43% above the market average
73.33% above the sector average73.33% above the sector average73.33% above the sector average73.33% above the sector average73.33% above the sector average
Price Trend
90.69% above the market average90.69% above the market average90.69% above the market average90.69% above the market average90.69% 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
Income
47.37% above the market average47.37% above the market average47.37% above the market average47.37% above the market average47.37% above the market average
66.67% below the sector average66.67% below the sector average66.67% below the sector average66.67% below the sector average66.67% below the sector average
Growth
52.67% below the market average52.67% below the market average52.67% below the market average52.67% below the market average52.67% below the market average
46.67% below the sector average46.67% below the sector average46.67% below the sector average46.67% below the sector average46.67% below the sector average

What The Brokers Say

Strong Buy 2
Buy 0
Neutral 0
Sell 0
Strong Sell 0
Total 2
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 24-Apr-25 29-Aug-24
Paid 22-May-25 26-Sep-24
Amount 22.50p 11.30p

Trades for 23-Jul-2025

Time Volume / Share Price
16:35 3,051 @ 1,005.00p
16:35 60 @ 1,005.00p
16:35 17 @ 1,005.00p
16:35 13 @ 1,005.00p
16:35 110 @ 1,005.00p

STB Key Personnel

CEO David McCreadie

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