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← CockpitCompetitor Analysis › STB.L Secure Trust Bank PlcOpen in the cockpit ↗

Secure Trust Bank PlcSTB.LCompetitor analysis, valuation and peers

United Kingdom · GBP·Financials›Major Banks
Momentum weak 21
Mkt cap
$330M
US dollars, full cap
Free float
90%
of shares outstanding
$/day
$1.37M
20-day average traded
P/B
0.65×
price to book
ROE
6.5%
delivered
Implied ROE
8.2%
what the price asks
Next earnings
139 days
25 Mar 2027
Close · GBP£1,358
1D0.0%
1W+1.3%
1M-8.0%
3M-13.3%
6M+4.5%
YTD+9.1%
1Y+38.6%
ATR %4.4%
52w lowhigh18.2% off high

What Secure Trust Bank does

No business profile yet.

Secure Trust Bank at a glance

Size Secure Trust Bank (STB.L) is a United Kingdom Financials company (Major Banks) with a market value of $330M, the 352nd largest of 363 United Kingdom companies the cockpit tracks. Shares closed at £1,358 on 6 Nov 2026.

Performance Over six months the shares gained 4.5%, against +9.7% for the median peer and +3.6% for the United Kingdom market (cap-weighted) — 10th lowest of 21 in its peer set.

Growth Revenue fell 8.3% over the last twelve months (peer median -3.1%); the operating margin is 29.4% (peer median 24.7%).

Valuation It trades at 0.65× book value against a peer median of 1.08× (7th cheapest of 20).

Price implies The share price implies a return on equity of about 8.2%; Secure Trust Bank delivers 6.4%, so the price asks more than the business earns today.

Next results Next results expected around 25 Mar 2027 (exchange calendar; dates can move).

Relative performance

10011012013011 May 202611 Aug 20266 Nov 2026Peer median 110STB.L 108
Six months, rebased to 100: Secure Trust Bank against the median of its 20 peers (local-currency closes).

Secure Trust Bank financials

Reported figures in GBP; fiscal year ends 2025-12-31. TTM = trailing twelve months.
TTMFY2025FY2024FY2023FY2022
Revenue£361M£387M£385M£321M£220M
Revenue growth—0%+20%+46%—
Net income£24.6M£17.6M£19.7M£24.3M£33.7M
Free cash flow£152M£155M£87.4M£35.5M£117M
Capital expenditure£2.30M£1.60M£1.00M£2.70M£2.70M
Total debtn/a£303M£457M£492M£453M

Quarterly statements and history in the cockpit →

Secure Trust Bank competitor charts

The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.

Performance: 6-month against 1-month return

-20%0%+20%-20%-10%0%+10%CBNABRBSSNBNNECBFNLC61381916PBBSKJESUPVPCZ2836CBNKVPBNLASPAROWALBAVALRS8337STB.L6-month return →1-month return →
Up and to the right = strong over both horizons. Secure Trust Bank is the large dot.

Fundamentals: return on equity against price-to-book

0%10%20%00×10×20×CBNABRBSNECBFNLC61381916PBBCSBBANKSKJESUPVPCZ2836CBNKVPBNLASPAROWALBAVALRS8337STB.LReturn on equity →Price / book →
A bank or insurer earning more on its equity usually trades at a higher multiple of book; points far above the trend are priced for more. Secure Trust Bank is the large dot.

Capital: ROE delivered against the ROE the price implies

0%10%20%0%10%20%CBNABRBSNECBFNLC61381916PBBCSBBANKSKJESUPVPCZ2836LASPAROWALBAVALRS8337STB.LROE delivered →ROE the price implies →
Above the diagonal = the price asks for a higher return on equity than the business earns today. Secure Trust Bank is the large dot.

Secure Trust Bank competitors and peer comparison

How Secure Trust Bank compares with its peers

Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.

Secure Trust Bank against its 20 peers (data as of 6 Nov 2026)
MeasureSTB.LPeer medianRank in peer set
1-month return-8.0%+1.5%3rd lowest of 21
6-month return+4.5%+9.7%10th lowest of 21
Return on equity6.5%8.2%10th lowest of 21
Price / book0.65×1.08×7th cheapest of 20
Trailing P/E10.9×11.5×8th cheapest of 17
ROE the price implies8.2%8.4%9th least demanding of 19
ROE delivered6.4%8.2%10th lowest of 21

Peer table

Peer set: Industry: the same industry and sector in any market, nearest in size
CompanyMarketMarket cap6M returnRevenue growthROEPrice / bookImplied ROEDelivered ROE
Secure Trust Bank STB.LUnited Kingdom$330M+4%-8%6%0.65×8.2%6.4%
Chain Bridge Bancorp CBNAUnited States$334M+36%+38%19%1.96×9.6%18.5%
Blue Ridge Bankshares BRBSUnited States$358M+16%-17%0%1.34×9.2%-0.1%
Schweizerische Nationalbank SNBN.SWSwitzerland$382M-10%+537%32%n/an/a32.1%
NorthEast Community Bancorp NECBUnited States$399M+19%-4%12%1.08×7.0%11.5%
First Bancorp FNLCUnited States$411M+25%+2%14%1.43×9.0%14.0%
Harbin Bank 6138.HKHong Kong$428M-19%-2%2%0.06×3.3%2.5%
Jiangxi Bank 1916.HKHong Kong$430M-18%-9%2%0.07×3.3%1.6%
Deutsche Pfandbriefbank PBB.DEGermany$444M-19%-21%-2%0.14×3.5%-1.8%
CSB Bank CSBBANK.NSIndia$548M-16%+16%14%1.00×13.9%13.9%
Skjern Bank A/S SKJE.CODenmark$567M+27%+2%13%1.83×6.4%13.1%
Grupo Supervielle SA Sponsored ADR SUPVUnited States$567M-29%-5%-7%0.62×9.2%-6.9%
ProCredit PCZ.DEGermany$580M+9%+6%7%0.48×7.0%7.1%
Bank of Kaohsiung 2836.TWTaiwan$652M-1%-5%5%0.78×3.0%5.3%
Capital Bancorp CBNKUnited States$692M+34%+10%13%1.60×10.0%13.2%
VP Bank VPBN.SWSwitzerland$706M+14%-10%4%0.49×n/a4.3%
Laan & Spar Bank A/S LASP.CODenmark$711M+11%-7%12%1.26×5.2%11.7%
Arrow Financial AROWUnited States$713M+4%+14%9%1.38×10.6%9.4%
Alandsbanken Abp ALBAV.HEFinland$724M-5%-4%16%2.30×8.3%16.3%
Alerus Financial ALRSUnited States$837M+26%-15%5%1.45×10.7%5.3%
Chiba Kogyo Bank 8337.TJapan$845M+10%+28%5%1.01×8.4%4.9%

Questions

Which companies are Secure Trust Bank's closest peers?
The cockpit's peer set: Chain Bridge Bancorp (CBNA), Blue Ridge Bankshares (BRBS), Schweizerische Nationalbank (SNBN.SW), NorthEast Community Bancorp (NECB), First Bancorp (FNLC), Harbin Bank (6138.HK), Jiangxi Bank (1916.HK), Deutsche Pfandbriefbank (PBB.DE).
Is Secure Trust Bank expensive compared with its peers?
On price / book it trades at 0.65× against a peer median of 1.08×, 7th cheapest of 20 in its peer set. The share price implies a return on equity of about 8.2%; Secure Trust Bank delivers 6.4%, so the price asks more than the business earns today.
How has Secure Trust Bank stock performed?
Over six months to 6 Nov 2026 the shares returned +4.5% against +9.7% for the median peer; over one year +38.6%.

How these numbers are made. Returns are close-to-close in local currency. Revenue growth and margins are trailing twelve months. Req g is the revenue growth that today's enterprise value requires for seven years at the company's own cost of capital; Delivered g is what it actually grew; the gap is the hurdle (honest precision about ±8 points, so read the ranking more than the decimal). No fair values, price targets or analyst ratings are shown, by design. Method and validation.