Obermatt

Secure Trust Bank

LSE:STB · GB00B6TKHP66
BanksSmall

360

43
Profit price31
Cash yield77
Price/Sales57
Price/Book87
Returns on capital46
Profit margins
Cash Conversion67
Accruals74
Owner Earnings Margin23
Sales growth9
Profit Growth60
Owner Earnings Growth15
Reinvestment100
Price momentum95
Debt load100
Debt serviceability16
Liquidity40
Analyst ratings100
Opinion Changes50
Price Target Upside92
Market mood3
Value Creation7/20creating some value
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Secure Trust Bank clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Based on 3/5 components.

Profile

CountryUK
IndustryBanks
SizeSmall
TypePublic Company
ExchangeLSE
Founded1954
Employees487
ISINGB00B6TKHP66
Last UpdateApr 2, 2026
Themes
Consumer LendingFintechFinancial ServicesLending and Investments

Description

Analysis

Weak and unloved

Secure Trust Bank PLC scores below average on quality and is priced accordingly, a low-conviction position in either direction.

On valuation, the picture is attractive. The owner-earnings multiple stands at 14.0×; owner earnings: the cash an owner could take out each year.

Growth is tepid; the safety picture is stretched. The company scores 7/20 on our value-creation score: creating some value. Analysts lean positive.

No flags apply to this company at this time: accounts, balance sheet, and cash quality all pass. A clean bill of health is meaningful, not just the absence of a warning. This analysis describes numbers; it is not investment advice.

360° rank · history

1007550250
96
2026

All-time high

98

Mar 2026

All-time low

96

Jun 2026

Average rank

97

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
57
Price/Earnings
79
Price/Book
87
Dividend Yield
77
Value (overall)
92

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →