Secure Trust Bank Fundamentals and Key Ratios

Company name:	Secure Trust Bank Plc
EPIC:	STB	Trading Currency:	GBX
Market Sector:	SSC5	ISIN:	GB00B6TKHP66
Market Segment:	SSMM	Share Type:	DE
WWW Address:		Description:	ORD 40P
Industry Sector:	BANKS

Price	Price Change [%]	Bid	Ask	Open	High	Low	Volume
692.00	-16.0 [-2.26]	694.00	698.00	708.00	708.00	680.00	30,241
Market Cap. [m]	Shares In Issue [m]	Beta	EPS	DPS	PE Ratio	Yield	52-Wks-Range
129.05	18.65	0.62	244.70	61.10	2.83	8.83	1,355.00 - 608.00

Secure Trust Bank Key Figures

Key Figures
(at previous day's close)
Market Cap.	129.05	m
Shares In Issue	18.65	m
Prev. Close	708.00
PE Ratio	2.83
Dividend Yield	8.83	%
EPS - basic	244.70	p
Dividend PS	61.10	p
Dividend Cover	4.00
Cash Flow PS	-481.51	p
Return On Equity (ROE)	15.08	%
Operating Margin	31.11	%
PEG Factor	0.02
EPS Growth Rate	181.26	%
Dividends PS Growth Rate	38.86	%
Net Debt	2,347.80	m
Gross Gearing	89.52	%
Quick Assets	2,822.10	m
Net Working Capital	-	m
Intangibles / Fixed Assets	10.82	%
Turnover PS	965.17	p
Pre-Tax Profit PS	300.28	p
Retained Profit PS	244.51	p
Cash PS	1,263.84	p
Net Cash PS	1,263.84	p
Net Tangible Asset Value PS *	1,584.49	p
Net Asset Value PS	1,621.49	p
Spread	4.00 (0.57%)
* Calculation based on Ordinary Capital figure as contained in last annual report, and the most recent shares in issue figure. Therefore the ratio might be exposed to inaccuracies.

Secure Trust Bank Balance Sheet

%1$s Balance Sheet

Share Price Performance

Share Price Performance
Sample Period ^†	High	Low
1 week	734.00	680.00
4 weeks	818.00	680.00
12 weeks	818.00	680.00
1 year	1,355.00	608.00

Share Price Chart (5 years)

Secure Trust Bank Historic Returns

%1$s Historic Returns
Giorni da oggi ^†	Open	Change	%	Open Avg.	Avg. Daily Vol [m]	Total Vol [m]	VWAP
1 week	734.00	-42.00	-5.72	680.00	0.02		710.00
4 weeks	750.00	-58.00	-7.73	680.00	0.02		751.20
12 weeks	728.00	-36.00	-4.95	680.00	0.02		738.96
26 weeks	930.00	-238.00	-25.59	608.00	0.02		692.61
1 year	1,350.00	-658.00	-48.74	608.00	0.02		928.87
3 years	770.00	-78.00	-10.13	550.00	0.03		1,010.66
5 years	1,722.50	-1,030.50	-59.83	550.00	0.02		1,170.69
† periods calculated are whole weeks rather than calendar months

Secure Trust Bank Key Management Ratios

DEEPER ANALYSIS

Secure Trust Bank Investment Ratios

%1$s Investment Ratios
(Market value analysis) at previous day's close
PQ Ratio	-
PE Ratio	2.83
Tobin's Q Ratio	0.05
Tobin's Q Ratio (excl. intangibles)	0.05
Dividend Yield	8.83	%
Market-to-Book Ratio	0.43
Price-to-Pre-Tax Profit PS	2.30
Price-to-Retained Profit PS	2.83
Price-to-Cash Flow PS	-1.44
Price-to-Sales PS	0.72
Price-to-Net Tangible Asset Value PS	0.44
Price-to-Cash PS	0.55
Net Working Capital PS	-
Price Pct to Working Capital PS	-	%
Earnings Yield	35.36	%
Average PE	9.27
Years in average	5
PE to PE average	30.50	%

Secure Trust Bank Financial Ratios

%1$s Financial Ratios
(Leverage Ratios)
Debt Ratio	89.52	%
Debt-to-Equity Ratio	8.54
Debt-to-Equity Ratio (excl. Intgbl)	8.74
Debt-to-Equity Market Value	20.02
Net Gearing	81.35	%
Net Gearing (excl. Intangibles)	81.55	%
Gross Gearing	89.52	%
Gross Gearing (excl. Intangibles)	89.74	%
Gearing Under 1 Year	-	%
Gearing Under 1 Year (excl. Intgbl)	-	%
Assets/Equity	9.54
Cash/Equity	77.94
(Liquidity Ratios)
Net Working Capital to Total Assets	97.79	%
Current Ratio	-
Quick Ratio (Acid Test)	-
Liquidity Ratio	-
Cash & Equiv/Current Assets	8.35	%
(Solvency Ratios)
Enterprise Value	2,476.85	m
CFO/Sales	-0.50
CFO/Attributable Profit	-
CFO/Assets	-0.03
CFO/Debt	-0.03
Total Debt/Equity Market Value	20.02
Total Debt/Sales	14.35
Total Debt/Pre-Tax Profit	46.13
Total Debt	2,583.50	m
Total Debt/Net Current Assets	0.92	%
(Dodds - Graham Ratios)
3 yr Compound Earnings Growth	13.29	%
5 yr Compound Earnings Growth	13.70	%
10 yr Compound Earnings Growth	8.43	%
Earn drops > 5% in 10yrs	3

Beta coefficients
Beta (60-Mnth)	Beta (36-Mnth)
0.6185	0.3873

Secure Trust Bank Operating Ratios

%1$s Operating Ratios
(Profitability Ratios)
Return On Capital Employed (ROCE)	1.94	%
Return On Assets (ROA)	1.64	%
Net Profit Margin	25.33	%
Assets Turnover	0.06
Return On Equity (ROE)	15.08	%
Return On Investment (ROI)	1.64	%
Dividend Payout Ratio	24.97	%
Plowback Ratio	75.03	%
Growth from Plowback Ratio	11.94	%
Net Income Of Revenues	25.33	%
(Asset Utilisation Multiples)
Shareholders Equity Turnover	0.63
Fixed Assets Turnover	3.04
Current Assets Turnover	0.07
Net Working Capital Turnover
Inventory Turnover	-
(Other Operating Ratios)
Total Assets-to-Sales	15.42
Debtors-to-Sales	1,392.56	%
Debt Collection Period	5,082.83	Days

Secure Trust Bank Dividends

%1$s Dividends
Announcement Date	Type	Curr.	Dividend Amount	Period Start	Period End	Ex Date	Record Date	Payment Date	Total Dividend Amount
04 Aug 2022	Interim	GBX	16.00	12/31/2021	12/31/2022	08/25/2022	08/26/2022	09/26/2022	-
24 Mar 2022	Final	GBX	41.10	12/31/2020	12/31/2021	04/21/2022	04/22/2022	05/19/2022	61.10
05 Aug 2021	Interim	GBX	20.00	12/31/2020	12/31/2021	08/26/2021	08/27/2021	09/27/2021	-
25 Mar 2021	Final	GBX	44.00	12/31/2019	12/31/2020	04/22/2021	04/23/2021	05/21/2021	44.00
07 Aug 2019	Interim	GBX	20.00	12/31/2018	12/31/2019	08/29/2019	08/30/2019	09/27/2019	20.00
28 Mar 2019	Final	GBX	64.00	12/31/2017	12/31/2018	04/25/2019	04/26/2019	05/24/2019	83.00
08 Aug 2018	Interim	GBX	19.00	12/31/2017	12/31/2018	08/31/2018	09/01/2018	09/28/2018	-
22 Mar 2018	Final	GBX	61.00	12/31/2016	12/31/2017	04/26/2018	04/27/2018	05/25/2018	79.00
22 Aug 2017	Interim	GBX	18.00	12/31/2016	12/31/2017	08/31/2017	09/01/2017	09/29/2017	-
23 Mar 2017	Final	GBX	57.00	12/31/2015	12/31/2016	04/17/2017	04/18/2017	05/12/2017	75.00
19 Jul 2016	Interim	GBX	17.00	12/31/2015	12/31/2016	08/25/2016	08/26/2016	09/23/2016	-
17 Mar 2016	Special	GBX	165.00	12/31/2014	12/31/2015	04/07/2016	04/08/2016	07/27/2016	-
17 Mar 2016	Final	GBX	55.00	12/31/2014	12/31/2015	04/07/2016	04/08/2016	05/06/2016	72.00
24 Jul 2015	Interim	GBX	17.00	12/31/2014	12/31/2015	08/20/2015	08/21/2015	09/18/2015	-
19 Mar 2015	Final	GBX	52.00	12/31/2013	12/31/2014	04/16/2015	04/17/2015	05/15/2015	68.00
22 Jul 2014	Interim	GBX	16.00	12/31/2013	12/31/2014	08/20/2014	08/22/2014	09/19/2014	-
20 Mar 2014	Final	GBX	47.00	12/31/2012	12/31/2013	04/09/2014	04/11/2014	05/09/2014	62.00
18 Jul 2013	Interim	GBX	15.00	12/31/2012	12/31/2013	08/21/2013	08/23/2013	09/20/2013	-
21 Mar 2013	Final	GBX	43.00	12/31/2011	12/31/2012	04/10/2013	04/12/2013	05/10/2013	57.00
26 Jul 2012	Interim	GBX	14.00	12/31/2011	12/31/2012	08/22/2012	08/24/2012	09/21/2012	-
15 Mar 2012	Final	GBX	4.20	12/31/2010	12/31/2011	04/18/2012	04/20/2012	05/18/2012	4.20

Secure Trust Bank Fundamentals

Profit and Loss Account
	31 Dec 2018 (GBP)		31 Dec 2019 (GBP)		31 Dec 2020 (GBP)		31 Dec 2021 (GBP)
turnover	169.20	100.00%	191.40	100.00%	192.50	100.00%	180.00	100.00%	m
pre tax profit	34.70	20.51%	38.70	20.22%	20.10	10.44%	56.00	31.11%	m
attributable profit	28.30	16.73%	31.10	16.25%	16.20	8.42%	45.60	25.33%	m
retained profit	13.50	7.98%	15.60	8.15%	16.20	8.42%	45.60	25.33%	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 share	83.00		20.00		44.00		61.10

Secure Trust Bank Balance Sheet

Balance Sheet
	31 Dec 2018 (GBP)		31 Dec 2019 (GBP)		31 Dec 2020 (GBP)		31 Dec 2021 (GBP)


	31 Dec 2018 (GBP)		31 Dec 2019 (GBP)		31 Dec 2020 (GBP)		31 Dec 2021 (GBP)
ASSETS
fixed assets	11.00	0.45%	11.30	0.42%	9.90	0.37%	11.50	0.40%	m
intangibles	9.90	0.41%	12.60	0.47%	10.60	0.40%	6.90	0.24%	m
fixed investments	172.10	7.04%	47.10	1.76%	34.00	1.28%	45.40	1.57%	m
current assets - other	-	-%	-	-%	-	-%	1.30	0.05%	m
stocks	-	-%	-	-%	-	-%	-	-%	m
debtors	2,081.60	85.16%	2,506.00	93.41%	2,428.10	91.14%	2,585.10	89.58%	m
cash & securities	169.70	6.94%	105.80	3.94%	181.50	6.81%	235.70	8.17%	m

TOTAL	2,444.30	100%	2,682.80	100%	2,664.10	100%	2,885.90	100%	m

LIABILITIES
creditors - short	-	-%	-	-%	-	-%	-	-%	m
creditors - long	-	-%	-	-%	-	-%	-	-%	m
creditors - other	2,156.80	88.24%	2,378.10	88.64%	2,342.80	87.94%	2,532.60	87.76%	m
subordinated loans	50.40	2.06%	50.60	1.89%	50.80	1.91%	50.90	1.76%	m
insurance funds	-	-%	-	-%	-	-%	-	-%	m

TOTAL	2,207.20	90.30%	2,428.70	90.53%	2,393.60	89.85%	2,583.50	89.52%	m

EQUITY
ord cap, reserves	237.10	9.70%	254.10	9.47%	270.50	10.15%	302.40	10.48%	m
prefs, minorities	-	-%	-	-%	-	-%	-	-%	m

TOTAL	237.10	9.70%	254.10	9.47%	270.50	10.15%	302.40	10.48%	m

OTHER
NAV Basic	-		-		-		-
NAV Diluted	-		-		-		-

Secure Trust Bank Cash Flow Statement

%1$s Cash Flow Statement
	31 Dec 2018 (GBP)	31 Dec 2019 (GBP)	31 Dec 2020 (GBP)	31 Dec 2021 (GBP)
Operating CF	-227.80	-205.20	95.60	-89.80	m
Pre-Financing CF	-230.30	-88.70	118.70	-30.70	m
Retained CF	-45.90	-60.30	87.10	70.90	m

Secure Trust Bank Brokers

%1$s Brokers
Name	Activity	Type	Mnemonic	Code
Winterflood Securities Ltd	Market Maker(MMF)	Broker/Dealer	WINS	WNTSGB2LBIC

Boards:

Quotes:

Secure Trust Bank Key Figures

Secure Trust Bank Balance Sheet

Share Price Performance

Share Price Chart (5 years)

Secure Trust Bank Historic Returns

Secure Trust Bank Key Management Ratios

Secure Trust Bank Investment Ratios

Secure Trust Bank Financial Ratios

Secure Trust Bank Operating Ratios

Secure Trust Bank Dividends

Secure Trust Bank Fundamentals

Secure Trust Bank Balance Sheet

Secure Trust Bank Cash Flow Statement

Secure Trust Bank Brokers