Secure Trust Bank PLC
Secure Trust Bank PLC provides banking and investment services, primarily operating in the financial sector.
Business. Secure Trust Bank PLC is a banking institution listed on the London Stock Exchange under the ticker symbol STBS.L. The company operates within the Financials sector, specifically in the Banking & Investment Services industry, and generates revenue primarily through interest income. As specific segment and geographic breakdowns are not provided, the firm is described at the industry level as a bank focused on core lending and deposit activities.
Analyst recommendations
2 analysts · consensus BuyAt a glance
What drives this business
The watch-list the newsroom runs for this company — derived from its sector path, sharpened layer by layer. Not investment advice.
News & coverage
0Sector rotation
Developing storylines
Analysis
AI analysisOpportunity
Upcoming catalysts
Scheduled public events. Informational only — not investment advice.
- Peers
- DividendDividend USD 1.75/sh2026-09-25 · Bank of America (BAC)
- EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · JPMorgan Chase (JPM)
- EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · Citigroup (C)
- Macro
- Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
- Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
- Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
- Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
- Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
- Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
- Macro & political
- ElectionSE Swedish Election2026-09-14 · SE
- ElectionUS U.S. Midterms2026-11-03 · US
- ElectionFR French Legislative2027-06-01 · FR
Pre-earnings brief
Signals & dispatch
Composite-score breakdown
Synthesis
Secure Trust Bank PLC is a banking institution listed on the London Stock Exchange under the ticker symbol STBS.L. The company operates within the Financials sector, specifically in the Banking & Investment Services industry, and generates revenue primarily through interest income. As specific segment and geographic breakdowns are not provided, the firm is described at the industry level as a bank focused on core lending and deposit activities.
Secure Trust Bank PLC has a basic and diluted share count of 19,114,795, indicating no immediate dilution pressure from share issuance. However, the liquidity risk could not be assessed due to the absence of balance-sheet inputs and no going-concern language in the source documents.
The company's profitability and returns are not currently available for comparison against industry_config preferred metrics or cohort medians, as the valuation snapshot does not provide relevant data.
Segment and geographic exposure details are not disclosed in the available data, making it difficult to assess revenue concentration or geographic diversification.
Growth trajectory is not quantified in the available data, as no numeric deltas or revenue history are provided for the current or next fiscal year.
Risk factors include an inability to assess liquidity risk, which could affect the company's operational stability. The dilution potential is currently low, and no adjustments have been applied to the valuation metrics.
Recent events, such as filings or transcripts, are not detailed in the available data, limiting insight into the company's recent developments.
- Secure Trust Bank PLC has no immediate dilution pressure based on the current share count.
- The company's liquidity risk could not be assessed due to missing balance-sheet data.
- Profitability and returns data are not available for comparison with industry benchmarks.
- Growth trajectory and segment performance are not quantified in the available data.
- No recent events or filings are disclosed, limiting insight into the company's recent developments.
Bull / Bear case
Generated · model-assistedAnalysts project 56% upside to a mean price target of 2,100 pence, reflecting strong buy consensus.
Total assets grew at a 10.6% CAGR over five years, reaching £4.3 billion in FY2026.
Revenue increased 10.1% year-over-year to £151.1 million in FY2026, demonstrating top-line growth momentum.
Free cash flow remained robust at £39.7 million in FY2026, supporting liquidity and potential capital returns.
Equity expanded at a 5.5% CAGR over five years, reaching £374.3 million in FY2026.
Net income declined sharply with a -21.2% CAGR over five years, falling to £17.6 million in FY2026.
Net income dropped 10.7% year-over-year in FY2026, signaling deteriorating profitability despite revenue growth.
Long-term debt surged from £54.0 million in FY2022 to £97.9 million in FY2026, increasing leverage.
Free cash flow declined 2.2% year-over-year in FY2026, suggesting weakening cash generation efficiency.
In focus — financials by report
Revenue £151.1M, +10,1% YoY; Net income −10,7% YoY.
- ▍Revenue £151.1M, +10,1% YoY
- ▍Net income −10,7% YoY
- ▍Free cash flow −2,2% YoY
- ▍Net margin 11.6%
Revenue £137.3M, −18,1% YoY; Net income −18,9% YoY.
- ▍Revenue £137.3M, −18,1% YoY
- ▍Net income −18,9% YoY
- ▍Free cash flow +124,3% YoY
- ▍Net margin 14.3%
Revenue £167.6M, +9,8% YoY; Net income −27,9% YoY.
- ▍Revenue £167.6M, +9,8% YoY
- ▍Net income −27,9% YoY
- ▍Free cash flow −7,2% YoY
- ▍Net margin 14.5%
Revenue £152.6M, +12,0% YoY; Net income −26,1% YoY.
- ▍Revenue £152.6M, +12,0% YoY
- ▍Net income −26,1% YoY
- ▍Free cash flow −45,5% YoY
- ▍Net margin 22.1%
Revenue £136.2M; Net margin 33.5%.
- ▍Revenue £136.2M
- ▍Net margin 33.5%
Valuation FY
Revenue by segment
Business relationships
Supply chain
Peer comparison
Market position
Stress test
Predictor forecast
| Metric | Our forecast | Guidance | Consensus |
|---|---|---|---|
| EPS | —no estimate | —no estimate | 2,46 |
| Revenue | —no estimate | —no estimate | 197,4M GBP |
| Operating income | —no estimate | —no estimate | 164,2M GBP |
Options
Short squeeze
Earnings-call key lines
Consensus distribution
sell-side coverageEstimate revisions
consensus EPS · 26-week trendSell-side observations
Themes
ESG
Risk factors
Benchmarks vs cohort
Corporate actions / M&A
FX exposure
Comparable transactions
Derivatives & instruments
Actions
Ask Handelsavisen
- Market data
- Market data cache
- Issuer disclosures
- Public news
- Earnings transcripts
- Consensus estimates
- ESG data
- Dilution Ratio(shares_outstanding_diluted - shares_outstanding_basic) / shares_outstanding_basic
- Secure Trust Bank PLC Market data — financials · 2026-05-29
- Secure Trust Bank PLC Market data — analyst estimates · 2026-05-29
Ownership & reference
Leadership
- David McCreadieChief Executive Officer, Executive Director