Secure Trust Bank (STB)

Sector:

Banking

Index:

FTSE Small Cap

367.00p
   
  • Change Today:
    -17.00p
  • 52 Week High: 894.00
  • 52 Week Low: 365.00
  • Currency: UK Pounds
  • Shares Issued: 19.07m
  • Volume: 114,268
  • Market Cap: £69.99m
  • Beta: 0.04

Dividend Data

  31-Dec-2331-Dec-2231-Dec-2131-Dec-2031-Dec-19
Interim Dividend16.00p16.00p20.00pn/a20.00p
Final Dividend16.20p29.10p41.10p44.00pn/a
Total Dividend32.20p45.10p61.10p44.00p20.00p
For more dividend details, click here

Fundamentals - based on IFRS

  £ (Millions) £ (Millions) £ (Millions) £ (Millions) £ (Millions)
Income Statement 31-Dec-23 31-Dec-22 31-Dec-21 31-Dec-20 31-Dec-19
Continuing Operations          
Revenue 304.00 203.00 163.90 166.10 165.50
Operating Profit/(Loss) 36.10 39.00 55.90 19.10 38.70
Profit Before Tax 36.10 39.00 55.90 19.10 38.70
Profit After Tax 26.40 29.60 45.50 15.40 31.10
Discontinued Operations          
Profit After Tax n/a n/a 0.10 n/a n/a
PROFIT FOR THE PERIOD 26.40 29.60 45.60 15.40 31.10
Attributable to:          
Equity Holders of Parent Company n/a n/a 45.60 15.40 31.10
Minority Interests n/a n/a n/a n/a n/a
           
Continuing EPS          
Earnings per Share - Basic 140.80p 158.50p 244.10p 82.70p 168.30p
Earnings per Share - Diluted 137.00p 153.40p 238.90p 81.00p 166.40p
Earnings per Share - Adjusted 140.80p 158.50p 244.10p 82.70p 178.60p
Continuing and Discontinued EPS          
Earnings per Share - Basic 129.60p 180.50p 244.70p 82.70p 168.30p
Earnings per Share - Diluted 126.10p 174.70p 239.40p 81.00p 166.40p
Earnings per Share - Adjusted 129.60p 180.50p 244.70p 82.70p 178.60p
           
Dividend per Share 32.20p 45.10p 61.10p 44.00p 20.00p
  £ (Millions) £ (Millions) £ (Millions) £ (Millions) £ (Millions)
Balance Sheet 31-Dec-23 31-Dec-22 31-Dec-21 31-Dec-20 31-Dec-19
Assets          
Property, Plant & Equipment 12.60 11.20 11.50 12.80 14.90
Intangible Assets 5.90 6.60 6.90 7.70 9.00
Investment Properties n/a n/a 4.70 4.30 4.80
Investments n/a n/a n/a n/a n/a
Other Financial Assets 21.60 2.90 n/a n/a n/a
           
Loans & Advances to Banks 53.70 50.50 50.30 63.30 n/a
Loans & Advances to Customers 3,315.30 2,919.50 2,530.60 2,358.90 n/a
Advances 3,369.00 2,970.00 2,580.90 2,422.20 n/a
           
Debt Securities n/a n/a 25.00 n/a n/a
Items in course of collection n/a n/a n/a n/a n/a
           
Cash at Bank 351.60 370.10 n/a n/a n/a
Treasury Bills n/a n/a n/a n/a n/a
Liquid Assets 351.60 370.10 n/a n/a n/a
           
Inventories n/a n/a n/a n/a n/a
Trade & Other Receivables n/a n/a n/a n/a n/a
Other Assets n/a n/a 21.20 32.70 24.80
Total Assets 3,778.00 3,379.80 2,885.90 2,661.20 2,682.80
           
Liabilities          
Items in Course of Collection 402.00 400.50 n/a n/a n/a
Deposits & Customer Accounts 2,871.80 2,514.60 2,103.20 n/a n/a
Debt Securities n/a n/a n/a n/a n/a
Other Current Liabilities n/a 0.80 n/a n/a n/a
           
Borrowings 2.30 2.10 54.00 54.70 55.10
Provisions 6.00 2.50 1.30 50.80 0.70
Other Liabilities 151.40 132.90 425.00 2,288.10 2,372.90
Total Liabilities 3,433.50 3,053.40 2,583.50 2,393.60 2,428.70
           
Net Assets 344.50 326.40 302.40 267.60 254.10
           
Capital & Reserves          
Share Capital 7.60 7.50 7.50 7.50 7.40
Share Premium Account 83.80 82.20 82.20 82.20 81.20
Other Reserves (1.70) (1.10) 1.00 0.90 1.10
Retained Earnings 254.80 237.80 211.70 177.00 164.40
Shareholders Funds 344.50 326.40 302.40 267.60 254.10
           
Minority Interests/Other Equity n/a n/a n/a n/a n/a
Total Equity 344.50 326.40 302.40 267.60 254.10
Cash Flow 31-Dec-23 31-Dec-22 31-Dec-21 31-Dec-20 31-Dec-19
Net Cash Flow From Operating Activities (45.40) 32.70 (96.40) 95.60 (214.40)
Returns On Investment & Servicing of Finance fn/a fn/a fn/a fn/a fn/a
Taxation Paid fn/a fn/a fn/a fn/a fn/a
Net Cash Flow from Investing Activities (2.70) 82.50 59.10 23.10 116.50
Acquisitions & Disposals gn/a gn/a gn/a gn/a gn/a
Dividends Paid fn/a fn/a fn/a fn/a fn/a
Management of Liquid Resources cn/a cn/a cn/a cn/a cn/a
Net Cash Flow from Financing Activities 31.50 (5.00) 101.60 (31.60) 28.40
Net Increase/Decrease In Cash (16.60) 110.20 64.30 87.10 (69.50)
Ratios - based on IFRS 31-Dec-23 31-Dec-22 31-Dec-21 31-Dec-20 31-Dec-19
Continuing Operations          
PE Ratio - Adjusted 4.9 4.7 5.4 10.6 9.0
PEG - Adjusted n/a n/a 0.0 n/a 0.9
Earnings per Share Growth - Adjusted -11% -35% 195% -54% 10%
Dividend Cover 4.37 3.51 4.00 1.88 8.93
Revenue per Share 1,594.01p 1,064.42p 8.68p 870.94p 867.79p
Pre-Tax Profit per Share 189.29p 204.50p 2.96p 100.15p 202.92p
Operating Margin 11.87% 19.21% 34.11% 11.50% 23.38%
Return on Capital Employed n/a n/a n/a n/a n/a
Continuing & Discontinued Operations          
PE Ratio - Adjusted 5.3 4.2 538.5 10.6 9.0
PEG - Adjusted n/a 0.0 n/a n/a 0.9
Earnings per Share Growth - Adjusted -28% 7,208% -97% -54% 10%
Dividend Cover 4.02 4.00 0.04 1.88 8.93
           
Dividend Yield 4.7% 6.0% 4.6% 5.0% 1.3%
Dividend per Share Growth (28.60%) (26.19%) 38.86% 120.00% (75.90%)
Operating Cash Flow per Share (238.05p) 171.46p (505.47p) 501.27p (1,124.20p)
Cash Incr/Decr per Share (87.04p) 577.83p 3.40p 456.70p (364.42p)
Net Asset Value per Share (exc. Intangibles) 1,775.43p 1,676.86p 1,549.44p 1,362.77p 1,285.17p
Net Gearing n/a n/a n/a n/a n/a

Key

* GAAP

a. Includes discontinued activities

b. Including assets due in more than one year

c. Not disclosed under IFRS

d. Total fixed assets

e. Includes borrowings

f. Included in cash flow from operating activities under IFRS

g. Included in net cash from investing activities under IFRS

h. Pre-tax

i. Capital expenditure

j. Based on operating cash flow before tax

k. Issue of ordinary shares

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: Forecast figures based on normalised accounts.

 

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