Secure Trust Bank PLC (STB) Fair Value & Analysis
Financial Services · GB · Market cap 241M GBX
Fair value as of: Jun 26, 2026
From 15 valuation models · updated 3 days ago
Share price +7.0% over the past month.
Price vs Fair Value (12 months)
12‑month range £7.60 – £14.73 · fair‑value band £2.40 – £5.25 · the £13.80 price screens above the £4.03 fair value. As of Jun 26, 2026.
✦ Which stocks are undervalued right now? Check free Discover now →Analysis
Secure Trust Bank PLC (STB) currently trades at £13.80, while our model-based Fair Value estimate is £4.03 — implying the stock looks roughly 70.8% overvalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).
Over the trailing twelve months, Secure Trust Bank PLC generated revenue of £134M at a net margin of 13.2%. Revenue grew 11.0% year over year. It earns a return on equity of 12.1%. The balance sheet holds a net cash position of £226M. Fundamentals as of Jun 26, 2026
Key figures & financial health
More key figures
Figures from reported company fundamentals (EODHD) · as of Jun 26, 2026. TTM = trailing twelve months.
About the company
Secure Trust Bank PLC provides banking and financial products and services in the United Kingdom. The company operates through four segments: Retail Finance, Real Estate Finance, Commercial Finance, and Other. The Retail Finance segment offers unsecured finance for consumer products, including furniture, jewelry, dental, leisure items and football season tickets. The Real Estate Finance segment provides secured loans against property assets, as well as development facilities to property developers and SME housebuilders. The Commercial Finance segment provides asset-based lending solutions to SMEs and some larger corporates, including working capital solutions; and invoice discounting facilities. It offers its products in store, as well as through online platform. Secure Trust Bank PLC was founded in 1952 and is headquartered in Solihull, the United Kingdom.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Secure Trust Bank PLC reported revenue of £339M in FY2025 versus £177M in FY2021, a compound +17.7%/yr. Reported net income was −£9.4M in FY2025.
Open the full interactive analysis →
Similar stocks
6 more Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Jun 26, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| HDFC Bank Limited HDFCBANK | ₹796.30 | ₹641.88 | -19% |
| PT Bank Central Asia Tbk BBCA | 4,850 IDR | 5,562 IDR | +15% |
| PT Bank Rakyat Indonesia (Persero) Tbk BBRI | 2,870 IDR | 5,740 IDR | +100% |
| Banco Bradesco S.A BBD | 5,120 ARS | 10,240 ARS | +100% |
| KB Financial Group 105560 | 157,000 KRW | 205,701 KRW | +31% |
| PT Bank Mandiri (Persero) Tbk BMRI | 4,260 IDR | 8,520 IDR | +100% |
Explore undervalued stocks
More undervalued Financial Services stocks →
Frequently asked questions
Is Secure Trust Bank PLC (STB) undervalued?
What is the fair value of STB?
What is the quality score of STB?
What is the revenue of Secure Trust Bank PLC (STB)?
What is the net profit margin of STB?
Does Secure Trust Bank PLC pay a dividend?
How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.
Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.