Secure Trust Bank (STB)

Sector:

Banking

Index:

FTSE Small Cap

1,294.00p
   
  • Change Today:
    -2.00p
  • 52 Week High: 1,530.00
  • 52 Week Low: 700.00
  • Currency: UK Pounds
  • Shares Issued: 19.11m
  • Volume: 16,972
  • Market Cap: £247.35m
  • Beta: 0.01

Dividend Data

  31-Dec-2531-Dec-2431-Dec-2331-Dec-2231-Dec-21
Interim Dividend11.80p11.30p16.00p16.00pn/a
Final Dividend23.70p22.50p16.20p29.10pn/a
Total Dividend35.50p33.80p32.20p45.10pn/a
For more dividend details, click here

Fundamentals - based on IFRS

  £ (Millions) £ (Millions) £ (Millions) £ (Millions) £ (Millions)
Income Statement 31-Dec-25 31-Dec-24 31-Dec-23 31-Dec-22 31-Dec-21
Continuing Operations          
Revenue 301.80 296.80 304.00 203.00 163.90
Operating Profit/(Loss) 59.30 59.40 36.10 39.00 55.90
Profit Before Tax 59.30 59.40 36.10 39.00 55.90
Profit After Tax 44.60 43.40 26.40 29.60 45.50
Discontinued Operations          
Profit After Tax n/a n/a (2.10) n/a 0.10
PROFIT FOR THE PERIOD 44.60 43.40 24.30 29.60 45.60
Attributable to:          
Equity Holders of Parent Company 44.60 43.40 24.30 n/a 45.60
Minority Interests n/a n/a n/a n/a n/a
           
Continuing EPS          
Earnings per Share - Basic 238.90p 227.70p 140.80p 158.50p 244.10p
Earnings per Share - Diluted 225.60p 223.50p 137.00p 153.40p 238.90p
Earnings per Share - Adjusted 238.90p 227.70p 140.80p 158.50p 244.10p
Continuing and Discontinued EPS          
Earnings per Share - Basic 238.90p 227.70p 129.60p 180.50p 244.70p
Earnings per Share - Diluted 225.60p 223.50p 126.10p 174.70p 239.40p
Earnings per Share - Adjusted 238.90p 227.70p 129.60p 180.50p 244.70p
           
Dividend per Share 35.50p 33.80p 32.20p 45.10p 61.10p
  £ (Millions) £ (Millions) £ (Millions) £ (Millions) £ (Millions)
Balance Sheet 31-Dec-25 31-Dec-24 31-Dec-23 31-Dec-22 31-Dec-21
Assets          
Property, Plant & Equipment 11.80 11.50 12.60 11.20 11.50
Intangible Assets 5.10 5.00 5.90 6.60 6.90
Investment Properties 24.10 n/a n/a n/a 4.70
Investments n/a n/a n/a n/a n/a
Other Financial Assets 7.50 7.50 21.60 2.90 n/a
           
Loans & Advances to Banks 36.80 24.00 53.70 50.50 50.30
Loans & Advances to Customers 3,295.80 3,608.50 3,315.30 2,919.50 2,530.60
Advances 3,332.60 3,632.50 3,369.00 2,970.00 2,580.90
           
Debt Securities 1.00 n/a n/a n/a 25.00
Items in course of collection n/a n/a n/a n/a n/a
           
Cash at Bank 528.10 445.00 351.60 370.10 n/a
Treasury Bills n/a n/a n/a n/a n/a
Liquid Assets 528.10 445.00 351.60 370.10 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 403.20 15.00 n/a n/a 21.20
Total Assets 4,315.00 4,116.70 3,778.00 3,379.80 2,885.90
           
Liabilities          
Items in Course of Collection 205.90 365.80 402.00 400.50 n/a
Deposits & Customer Accounts 3,509.60 3,244.90 2,871.80 2,514.60 2,103.20
Debt Securities n/a n/a n/a n/a n/a
Other Current Liabilities n/a n/a n/a 0.80 n/a
           
Borrowings 97.90 95.10 2.30 2.10 54.00
Provisions 25.50 11.30 6.00 2.50 1.30
Other Liabilities 102.80 39.10 151.40 132.90 425.00
Total Liabilities 3,941.70 3,756.20 3,433.50 3,053.40 2,583.50
           
Net Assets 373.30 360.50 344.50 326.40 302.40
           
Capital & Reserves          
Share Capital 7.60 7.60 7.60 7.50 7.50
Share Premium Account 84.20 84.00 83.80 82.20 82.20
Other Reserves (1.90) (2.20) (1.70) (1.10) 1.00
Retained Earnings 284.40 271.10 254.80 237.80 211.70
Shareholders Funds 374.30 360.50 344.50 326.40 302.40
           
Minority Interests/Other Equity n/a n/a n/a n/a n/a
Total Equity 373.30 360.50 344.50 326.40 302.40
Cash Flow 31-Dec-25 31-Dec-24 31-Dec-23 31-Dec-22 31-Dec-21
Net Cash Flow From Operating Activities 257.00 111.70 (45.40) 32.70 (96.40)
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 (1.80) (1.00) (2.70) 82.50 59.10
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 (164.40) (42.00) 31.50 (5.00) 101.60
Net Increase/Decrease In Cash 90.80 68.70 (16.60) 110.20 64.30
Ratios - based on IFRS 31-Dec-25 31-Dec-24 31-Dec-23 31-Dec-22 31-Dec-21
Continuing Operations          
PE Ratio - Adjusted 5.2 1.6 4.9 4.7 5.4
PEG - Adjusted 1.0 0.0 n/a n/a 0.0
Earnings per Share Growth - Adjusted 5% 62% -11% -35% 195%
Dividend Cover 6.73 6.74 4.37 3.51 4.00
Revenue per Share 1,578.88p 1,552.72p 1,621.24p 1,062.01p 857.45p
Pre-Tax Profit per Share 310.23p 310.75p 192.52p 204.03p 292.44p
Operating Margin 19.65% 20.01% 11.87% 19.21% 34.11%
Return on Capital Employed n/a n/a n/a n/a n/a
Continuing & Discontinued Operations          
PE Ratio - Adjusted 5.2 1.6 5.3 4.2 5.4
PEG - Adjusted 1.0 0.0 n/a n/a 0.0
Earnings per Share Growth - Adjusted 5% 76% -28% -26% 196%
Dividend Cover 6.73 6.74 4.02 4.00 4.00
           
Dividend Yield 2.9% 9.3% 4.7% 6.0% 4.6%
Dividend per Share Growth 5.03% 4.97% (28.60%) (26.19%) 38.86%
Operating Cash Flow per Share 1,344.51p 584.36p (242.12p) 171.07p (504.32p)
Cash Incr/Decr per Share 475.02p 359.41p (88.53p) 576.52p 336.39p
Net Asset Value per Share (exc. Intangibles) 1,926.26p 1,859.82p 1,805.77p 1,673.05p 1,545.92p
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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