Secure Trust Bank Plc

Secure Trust Bank (STB)

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Company name:Secure Trust Bank Plc
EPIC:STBTrading Currency:GBX
Market Sector:SSC5ISIN:GB00B6TKHP66
Market Segment:SSMMShare Type:DE
WWW Address:Description:ORD 40P
Industry Sector:BANKS
 Price Price Change [%] Bid Offer Open High Low Volume
 738.00 images.advfn.com/imagesnew/2/gb/dot 0.0 [0.00] 730.00 750.00 - - - 14,169
 Market Cap. [m] Shares In Issue [m] Beta EPS DPS PE Ratio Yield 52-Wks-Range
 137.63 18.65 0.70 244.70 61.10 3.02 8.28 1,355.00 - 608.00

Secure Trust Bank Key Figures

(at previous day's close)
Market Cap.137.63m
Shares In Issue18.65m
Prev. Close738.00
PE Ratio3.02 
Dividend Yield8.28%
EPS - basic244.70p
Dividend PS61.10p
Dividend Cover4.00 
Cash Flow PS-481.51p
Return On Equity (ROE)15.08%
Operating Margin31.11%
PEG Factor0.02 
EPS Growth Rate181.26%
Dividends PS Growth Rate38.86%
Net Debt2,347.80m
Gross Gearing89.52%
Quick Assets2,822.10m
Net Working Capital-m
Intangibles / Fixed Assets10.82%
Turnover PS965.17p
Pre-Tax Profit PS300.28p
Retained Profit PS244.51p
Cash PS1,263.84p
Net Cash PS1,263.84p
Net Tangible Asset Value PS *1,584.49p
Net Asset Value PS1,621.49p
Spread20.00 (2.67%) 

Secure Trust Bank Balance Sheet

L^STB:Liabilities+EQL^STB:Assets

Share Price Performance

Sample Period HighLow
1 week750.00710.00
4 weeks760.00706.00
12 weeks788.00626.00
1 year1,355.00608.00

Share Price Chart (5 years)

Secure Trust Bank Historic Returns

Period OpenChange%Open Avg.Avg. Daily Vol [m]Total Vol [m]VWAP
1 week720.0018.002.50710.000.01728.49
4 weeks740.00-2.00-0.27706.000.02726.12
12 weeks654.0084.0012.84626.000.03676.96
26 weeks1,250.00-512.00-40.96608.000.02774.92
1 year1,335.00-597.00-44.72608.000.02971.05
3 years1,550.00-812.00-52.39550.000.031,021.90
5 years1,760.00-1,022.00-58.07550.000.021,181.40

Secure Trust Bank Key Management Ratios

Secure Trust Bank Investment Ratios

(Market value analysis) at previous day's close
PQ Ratio- 
PE Ratio3.02 
Tobin's Q Ratio 0.05 
Tobin's Q Ratio (excl. intangibles)0.05 
Dividend Yield8.28%
Market-to-Book Ratio0.46 
Price-to-Pre-Tax Profit PS2.46 
Price-to-Retained Profit PS3.02 
Price-to-Cash Flow PS-1.53 
Price-to-Sales PS0.76 
Price-to-Net Tangible Asset Value PS0.47 
Price-to-Cash PS0.58 
Net Working Capital PS- 
Price Pct to Working Capital PS-%
Earnings Yield33.16%
Average PE9.27 
Years in average5 
PE to PE average32.53%

Secure Trust Bank Financial Ratios

(Leverage Ratios)
Debt Ratio89.52%
Debt-to-Equity Ratio8.54 
Debt-to-Equity Ratio (excl. Intgbl)8.74 
Debt-to-Equity Market Value18.77 
Net Gearing81.35%
Net Gearing (excl. Intangibles)81.55%
Gross Gearing89.52%
Gross Gearing (excl. Intangibles)89.74%
Gearing Under 1 Year-%
Gearing Under 1 Year (excl. Intgbl)-%
Assets/Equity9.54 
Cash/Equity77.94 
(Liquidity Ratios)
Net Working Capital to Total Assets97.79%
Current Ratio- 
Quick Ratio (Acid Test)- 
Liquidity Ratio- 
Cash & Equiv/Current Assets8.35%
(Solvency Ratios)
Enterprise Value2,485.43m
CFO/Sales-0.50 
CFO/Attributable Profit- 
CFO/Assets-0.03 
CFO/Debt-0.03 
Total Debt/Equity Market Value18.77 
Total Debt/Sales14.35 
Total Debt/Pre-Tax Profit46.13 
Total Debt2,583.50m
Total Debt/Net Current Assets0.92%
(Dodds - Graham Ratios)
3 yr Compound Earnings Growth13.29%
5 yr Compound Earnings Growth13.70%
10 yr Compound Earnings Growth8.43%
Earn drops > 5% in 10yrs3 
Beta (60-Mnth)Beta (36-Mnth)
0.69730.4345

Secure Trust Bank Operating Ratios

(Profitability Ratios)
Return On Capital Employed (ROCE)1.94%
Return On Assets (ROA)1.64%
Net Profit Margin25.33%
Assets Turnover0.06 
Return On Equity (ROE)15.08%
Return On Investment (ROI)1.64%
Dividend Payout Ratio24.97%
Plowback Ratio75.03%
Growth from Plowback Ratio11.94%
Net Income Of Revenues25.33%
(Asset Utilisation Multiples)
Shareholders Equity Turnover0.63 
Fixed Assets Turnover3.04 
Current Assets Turnover0.07 
Net Working Capital Turnover 
Inventory Turnover- 
(Other Operating Ratios)
Total Assets-to-Sales15.42 
Debtors-to-Sales1,392.56%
Debt Collection Period5,082.83Days

Secure Trust Bank Dividends

Announcement DateTypeCurr.Dividend AmountPeriod StartPeriod EndEx DateRecord DatePayment DateTotal Dividend Amount
04 Aug 2022InterimGBX16.0031/12/202131/12/202225/08/202226/08/202226/09/2022-
24 Mar 2022FinalGBX41.1031/12/202031/12/202121/04/202222/04/202219/05/202261.10
05 Aug 2021InterimGBX20.0031/12/202031/12/202126/08/202127/08/202127/09/2021-
25 Mar 2021FinalGBX44.0031/12/201931/12/202022/04/202123/04/202121/05/202144.00
07 Aug 2019InterimGBX20.0031/12/201831/12/201929/08/201930/08/201927/09/201920.00
28 Mar 2019FinalGBX64.0031/12/201731/12/201825/04/201926/04/201924/05/201983.00
08 Aug 2018InterimGBX19.0031/12/201731/12/201831/08/201801/09/201828/09/2018-
22 Mar 2018FinalGBX61.0031/12/201631/12/201726/04/201827/04/201825/05/201879.00
22 Aug 2017InterimGBX18.0031/12/201631/12/201731/08/201701/09/201729/09/2017-
23 Mar 2017FinalGBX57.0031/12/201531/12/201617/04/201718/04/201712/05/201775.00
19 Jul 2016InterimGBX17.0031/12/201531/12/201625/08/201626/08/201623/09/2016-
17 Mar 2016SpecialGBX165.0031/12/201431/12/201507/04/201608/04/201627/07/2016-
17 Mar 2016FinalGBX55.0031/12/201431/12/201507/04/201608/04/201606/05/201672.00
24 Jul 2015InterimGBX17.0031/12/201431/12/201520/08/201521/08/201518/09/2015-
19 Mar 2015FinalGBX52.0031/12/201331/12/201416/04/201517/04/201515/05/201568.00
22 Jul 2014InterimGBX16.0031/12/201331/12/201420/08/201422/08/201419/09/2014-
20 Mar 2014FinalGBX47.0031/12/201231/12/201309/04/201411/04/201409/05/201462.00
18 Jul 2013InterimGBX15.0031/12/201231/12/201321/08/201323/08/201320/09/2013-
21 Mar 2013FinalGBX43.0031/12/201131/12/201210/04/201312/04/201310/05/201357.00
26 Jul 2012InterimGBX14.0031/12/201131/12/201222/08/201224/08/201221/09/2012-
15 Mar 2012FinalGBX4.2031/12/201031/12/201118/04/201220/04/201218/05/20124.20

Secure Trust Bank Fundamentals

 31 Dec 2018 (GBP)31 Dec 2019 (GBP)31 Dec 2020 (GBP)31 Dec 2021 (GBP)
turnover169.20100.00%191.40100.00%192.50100.00%180.00100.00%m
pre tax profit34.7020.51%38.7020.22%20.1010.44%56.0031.11%m
attributable profit28.3016.73%31.1016.25%16.208.42%45.6025.33%m
retained profit13.507.98%15.608.15%16.208.42%45.6025.33%m
eps - basic (p)153.20 168.30 87.00 244.70 
eps - diluted (p)150.90 166.40 85.20 239.40 
dividends per share83.00 20.00 44.00 61.10 

Secure Trust Bank Balance Sheet

 31 Dec 2018 (GBP)31 Dec 2019 (GBP)31 Dec 2020 (GBP)31 Dec 2021 (GBP)
L^STB:Liabilities+EQL^STB:AssetsL^STB:Liabilities+EQL^STB:AssetsL^STB:Liabilities+EQL^STB:AssetsL^STB:Liabilities+EQL^STB:Assets
 31 Dec 2018 (GBP)31 Dec 2019 (GBP)31 Dec 2020 (GBP)31 Dec 2021 (GBP)
ASSETS
fixed assets fixed assets11.000.45%11.300.42%9.900.37%11.500.40%m
intangibles intangibles9.900.41%12.600.47%10.600.40%6.900.24%m
fixed investments fixed investments172.107.04%47.101.76%34.001.28%45.401.57%m
current assets - other current assets - other--%--%--%1.300.05%m
stocks stocks--%--%--%--%m
debtors debtors2,081.6085.16%2,506.0093.41%2,428.1091.14%2,585.1089.58%m
cash & securities cash & securities169.706.94%105.803.94%181.506.81%235.708.17%m
TOTAL2,444.30100%2,682.80100%2,664.10100%2,885.90100%m
LIABILITIES
creditors - short creditors - short--%--%--%--%m
creditors - long creditors - long--%--%--%--%m
creditors - other creditors - other2,156.8088.24%2,378.1088.64%2,342.8087.94%2,532.6087.76%m
subordinated loans subordinated loans50.402.06%50.601.89%50.801.91%50.901.76%m
insurance funds insurance funds--%--%--%--%m
TOTAL2,207.2090.30%2,428.7090.53%2,393.6089.85%2,583.5089.52%m
EQUITY
ord cap, reserves ord cap, reserves237.109.70%254.109.47%270.5010.15%302.4010.48%m
prefs, minorities prefs, minorities--%--%--%--%m
TOTAL237.109.70%254.109.47%270.5010.15%302.4010.48%m
OTHER
NAV Basic- - - - 
NAV Diluted- - - - 

Secure Trust Bank Cash Flow Statement

31 Dec 2018 (GBP)31 Dec 2019 (GBP)31 Dec 2020 (GBP)31 Dec 2021 (GBP)
Operating CF-227.80-205.2095.60-89.80m
Pre-Financing CF-230.30-88.70118.70-30.70m
Retained CF-45.90-60.3087.1070.90m

Secure Trust Bank Brokers

NameActivityTypeMnemonicCode
Winterflood Securities LtdMarket Maker(MMF)Broker/DealerWINSWNTSGB2LBIC
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