Financial Ratios Secure Trust Bank PLC

Equities

STB

GB00B6TKHP66

Banks

Real-time Estimate Cboe Europe Other stock markets 13:42:34 21/01/2026 GMT			5-day change	1st Jan Change
1,362.50 ^GBX	-0.18%		+0.97%	+9.48%

01-09	Secure Trust Bank CEO Ian Corfield buys GBP500,000 in shares	AN
12-31	Digital 9 seals Aqua Comms divestment	AN

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Published financial data: SECURE TRUST BANK PLC

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2020	2021	2022	2023	2024
Interest Income On Loans	192M	180M	203M	304M	366M
Interest Income, Total	192M	180M	203M	304M	366M
Interest On Deposits	41.6M	29.2M	50.4M	136M	181M
Interest Expense, Total	41.6M	29.2M	50.4M	136M	181M
Net Interest Income	151M	151M	153M	168M	185M
Gain (Loss) on Sale of Invest. & Securities - (Rev)	-3.1M	100K	1.1M	300K	100K
Total Other Non Interest Income	15.2M	13.7M	17M	17.2M	19M
Non Interest Income, Total	12.1M	13.8M	18.1M	17.5M	19.1M
Revenues Before Provison For Loan Losses	163M	165M	171M	185M	204M
Provision For Loan Losses	51.3M	4.5M	38.2M	43.2M	61.9M
Total Revenues	112M	160M	132M	142M	142M
Salaries And Other Employee Benefits	51.8M	55.2M	55.7M	56.9M	-
Stock-Based Compensation (IS)	-	900K	1.8M	1.1M	2.3M
Amort. of Goodwill & Intang. Assets	2M	1.5M	1.4M	1.2M	-
Occupancy Expense	2.6M	2.6M	2.6M	2.3M	-
Selling General & Admin Expenses, Total	35.2M	43.8M	40.6M	40.9M	800K
Total Other Non Interest Expense	-	100K	300K	-500K	99.51M
Non Interest Expense, Total	91.6M	104M	102M	102M	103M
EBT, Excl. Unusual Items	20.1M	56M	30.1M	39.9M	39.5M
Restructuring Charges	-	-	-	-	-1.5M
Asset Writedown	-	-	-	-	-400K
Other Unusual Items	-	-	-	-6.5M	-8.4M
EBT, Incl. Unusual Items	20.1M	56M	30.1M	33.4M	29.2M
Income Tax Expense	3.9M	10.4M	9.4M	9.7M	9.5M
Earnings From Continuing Operations	16.2M	45.6M	20.7M	23.7M	19.7M
Earnings Of Discontinued Operations	-	-	13M	600K	-
Net Income to Company	16.2M	45.6M	33.7M	24.3M	19.7M
Net Income - (IS)	16.2M	45.6M	33.7M	24.3M	19.7M
Net Income to Common Incl Extra Items	16.2M	45.6M	33.7M	24.3M	19.7M
Net Income to Common Excl. Extra Items	16.2M	45.6M	20.7M	23.7M	19.7M
Per Share Items
Net EPS - Basic	0.87	2.45	1.8	1.3	1.03
Basic EPS - Continuing Operations	0.87	2.45	1.11	1.26	1.03
Basic Weighted Average Shares Outstanding	18.62M	18.64M	18.67M	18.75M	19.06M
Net EPS - Diluted	0.85	2.39	1.8	1.3	1.01
Diluted EPS - Continuing Operations	0.85	2.39	1.11	1.26	1.01
Diluted Weighted Average Shares Outstanding	19.02M	19.05M	19.29M	19.27M	19.42M
Normalized Basic EPS	0.67	1.88	1.01	1.33	1.3
Normalized Diluted EPS	0.66	1.84	0.98	1.29	1.27
Dividend Per Share	0.44	0.61	0.45	0.32	0.34
Payout Ratio	-	26.1	31.75	34.57	26.4
Supplemental Items
Effective Tax Rate - (Ratio)	19.4	18.57	31.23	29.04	32.53
Current Domestic Taxes	2.5M	10.7M	8.5M	7.9M	8.7M
Total Current Taxes	2.5M	10.7M	8.5M	7.9M	8.7M
Deferred Domestic Taxes	1.4M	-300K	1.8M	1.2M	800K
Total Deferred Taxes	1.4M	-300K	1.8M	1.2M	800K
Normalized Net Income	12.56M	35M	18.81M	24.94M	24.69M
Supplemental Operating Expense Items
Stock-Based Comp., Other (Total)	-300K	800K	1.6M	1.1M	2.3M
Total Stock-Based Compensation	-300K	800K	1.6M	1.1M	2.3M

Fiscal Period: December	2020	2021	2022	2023	2024
Assets
Cash And Equivalents	232M	303M	417M	400M	469M
Investment Securities, Total	-	-	-	-	-
Trading Asset Securities, Total	10.5M	300K	2.9M	21.6M	7.5M
Total investments	10.5M	300K	2.9M	21.6M	7.5M
Gross Loans	2.54B	2.7B	3.15B	3.59B	3.94B
Allowance For Loan Losses	-82.7M	-67.5M	-78M	-88.1M	-112M
Other Adjustments to Gross Loans	-103M	-106M	-152M	-182M	-215M
Net Loans	2.36B	2.53B	2.92B	3.32B	3.61B
Gross Property Plant And Equipment	20.6M	21M	18.9M	22.5M	23.4M
Accumulated Depreciation	-7.8M	-9.5M	-7.1M	-9.9M	-11.9M
Net Property Plant And Equipment	12.8M	11.5M	11.8M	12.6M	11.5M
Goodwill	1M	1M	1M	1M	1M
Other Intangibles, Total	6.7M	5.9M	5.6M	4.9M	4M
Investment in Real Estate	4.3M	4.7M	-	-	-
Other Receivables	3.3M	1.2M	1.7M	2.5M	2.2M
Restricted Cash	12.7M	8M	3.7M	5M	-
Other Current Assets, Total	7.7M	8M	7M	6.1M	6.1M
Deferred Tax Assets Long-Term (Collected)	5.9M	6.9M	5.5M	4.3M	3.3M
Other Long-Term Assets, Total	8.2M	4.8M	4.7M	4.4M	3.6M
Total Assets	2.66B	2.89B	3.38B	3.78B	4.12B
Liabilities
Accounts Payable, Total	-	-	-	-	-
Accrued Expenses, Total	10.1M	13M	10M	11.8M	9.4M
Interest Bearing Deposits	1.91B	2B	2.34B	2.35B	2.44B
Non-Interest Bearing Deposits	81.4M	102M	178M	521M	805M
Total Deposits	1.99B	2.1B	2.51B	2.87B	3.24B
Short-Term Borrowings	10.8M	900K	3.7M	20.6M	6.6M
Current Portion of Long-Term Debt	-	-	-	-	-
Current Portion of Leases	900K	800K	700K	900K	1.1M
Long-Term Debt	327M	442M	452M	495M	459M
Long-Term Leases	3M	2.3M	1.4M	1.4M	700K
Current Income Taxes Payable	1M	-	800K	-	-
Accrued Interest Payable	-	-	-	-	-
Other Current Liabilities - (Bank / Utility Template)	1.9M	3.3M	2.5M	-	-
Deferred Tax Liability Non-Current	-	-	-	-	-
Other Non Current Liabilities	46.2M	18.3M	68.1M	31.9M	34.4M
Total Liabilities	2.39B	2.58B	3.05B	3.43B	3.76B
Common Stock, Total	7.5M	7.5M	7.5M	7.6M	7.6M
Additional Paid In Capital	82.2M	82.2M	82.2M	83.8M	84M
Retained Earnings	180M	212M	238M	255M	271M
Treasury Stock	-	-	-	-1.4M	-2.2M
Comprehensive Income and Other	900K	1M	-300K	-300K	-
Total Common Equity	270M	302M	327M	344M	360M
Total Equity	270M	302M	327M	344M	360M
Total Liabilities And Equity	2.66B	2.89B	3.38B	3.78B	4.12B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	18.63M	18.65M	18.69M	19.02M	19.07M
ECS Total Common Shares Outstanding	18.63M	18.65M	18.69M	19.02M	19.07M
Book Value / Share	14.52	16.22	17.49	18.11	18.9
Tangible Book Value	263M	296M	320M	339M	356M
Tangible Book Value Per Share	14.1	15.85	17.14	17.8	18.64
Tangible Book Value Per Share (As Reported)	-	-	-	17.8	18.64
Average Assets	2.69B	-	-	-	-
Average Loans	2.41B	2.37B	2.7B	3.1B	3.41B
Total Debt	342M	446M	457M	518M	468M
Deposits at Interest - Cash	63.3M	75.3M	50.5M	53.5M	24M
Net Debt	99.3M	142M	37.6M	96.1M	-9M
Full Time Employees	1K	933	940	879	915

Fiscal Period: December	2020	2021	2022	2023	2024
Net Income	16.2M	45.6M	33.7M	24.3M	19.7M
Depreciation, Depletion & Amortization	2.1M	2M	1.9M	1.6M	2M
Amortization of Goodwill and Intangible Assets - (CF)	200K	200K	200K	-	-
Total Depreciation, Depletion & Amortization	2.3M	2.2M	2.1M	1.6M	2M
Amortization of Deferred Charges, Total	2M	1.3M	1.2M	1.2M	1.4M
Gain (Loss) on Sale of Loans & Receivables - (CF)	-	1.4M	-8.9M	-	-
(Gain) Loss On Sale of Asset - (CF)	500K	-	1.4M	200K	-
(Gain) Loss on Sale of Investments - (CF)	3.1M	-1.5M	-	-	-
Total Asset Writedown	1.1M	-400K	-	-	-
Provision for Credit Losses	51.3M	4.5M	39M	43.2M	61.9M
Stock-Based Compensation (CF)	-300K	1M	2M	1.1M	2.3M
Change in Other Net Operating Assets (Collected)	46.8M	-253M	-454M	-482M	-359M
Other Operating Activities	400K	-1.8M	4.3M	8.2M	9.9M
Net Cash From Discontinued Operations	-	-	-	-	-
Cash from Operations	123M	-200M	-379M	-403M	-261M
Capital Expenditure	-800K	-200K	-2.7M	-2.7M	-1M
Divestitures	-	-	-	-	-
Purchase / Sale of Intangible Assets	-1.1M	-1.1M	-	-	-
Sale (Purchase) of Real Estate Properties (Collected)	-	-	3.3M	-	-
Investment in Marketable and Equity Securities, Total	25M	0	0	-	-
Net (Increase) Decrease in Loans Originated / Sold - Investing	-	60.4M	81.9M	-	-
Other Investing Activities, Total	-	-	-	-	-
Cash from Investing	23.1M	59.1M	82.5M	-2.7M	-1M
Long-Term Debt Issued, Total	-	114M	7M	70M	126M
Total Debt Issued	-	114M	7M	70M	126M
Long-Term Debt Repaid, Total	-32.7M	-900K	-1M	-30.6M	-161M
Total Debt Repaid	-32.7M	-900K	-1M	-30.6M	-161M
Issuance of Common Stock	1.1M	-	-	1.7M	200K
Repurchase of Common Stock	-	-	-300K	-1.2M	-1.4M
Common Dividends Paid	-	-11.9M	-10.7M	-8.4M	-5.2M
Common & Preferred Stock Dividends Paid	-	-11.9M	-10.7M	-8.4M	-5.2M
Net Increase (Decrease) in Deposit Accounts - (CF)	-27.8M	111M	411M	357M	373M
Special Dividend Paid	-	-	-	-	-
Other Financing Activities, Total	-	-	-	-	-
Cash from Financing	-59.4M	212M	406M	389M	331M
Net Change in Cash	87.1M	70.9M	110M	-16.6M	68.7M
Supplemental Items
Cash Income Tax Paid (Refund)	4.8M	12.6M	7M	8.6M	8.8M
Net Debt Issued / Repaid	-32.7M	114M	6M	39.4M	-35.6M

Fiscal Period: December	2020	2021	2022	2023	2024
Profitability
Return on Assets	0.61	1.64	0.66	0.66	0.5
Return On Equity %	6.18	16	6.58	7.07	5.59
Return on Common Equity	6.18	16	6.58	7.07	5.59
Shareholders Value Added	-15.08M	11.6M	-3.86M	-15.95M	-21.66M
Margin Analysis
SG&A Margin	80.21	63.46	74.64	70.59	0.56
Net Interest Income / Total Revenues %	135.09	94.19	115.17	118.12	130.12
EBT Excl. Non-Recurring Items Margin %	17.99	34.98	22.72	28.14	27.8
Income From Continuing Operations Margin %	14.5	28.48	15.62	16.71	13.86
Net Income Margin %	14.5	28.48	25.43	17.14	13.86
Net Avail. For Common Margin %	14.5	28.48	15.62	16.71	13.86
Normalized Net Income Margin	11.25	21.86	14.2	17.59	17.37
Asset quality
Nonperforming Loans / Total Loans %	5.59	5.77	1.49	4.3	4.74
Nonperforming Loans / Total Assets %	5.34	5.4	1.39	4.08	4.54
Nonperforming Assets / Total Assets %	5.34	5.4	1.39	4.08	4.54
NPAs / Loans and OREO	5.59	5.77	1.49	4.3	4.74
NPAs / Equity	52.57	51.55	14.38	44.73	51.79
Allowance for Credit Losses / Net Charge-offs %	290.18	339.2	275.62	-	-
Allowance for Credit Losses / Nonperforming Loans %	58.16	43.3	165.96	57.17	59.88
Allowance for Credit Losses / Total Loans %	3.25	2.5	2.48	2.46	2.84
Net Charge-offs / Total Average Loans %	1.18	0.84	1.05	-	-
Provision for Loan Losses / Net Charge-offs %	180	22.61	134.98	-	-
Interest Income / Average Assets	7.15	-	-	-	-
Interest Expense / Average Assets	1.54	-	-	-	-
Net Interest Income / Average Assets	5.6	-	-	-	-
Non Interest Income / Average Assets	0.45	-	-	-	-
Non Interest Expense / Average Asset	3.4	-	-	-	-
Capital And Funding
Total Average Common Equity / Total Average Assets %	9.81	10.28	10.04	9.37	8.93
Total Average Equity / Total Average Assets %	9.81	10.28	10.04	9.37	8.93
Total Equity + Allowance for Loan Losses / Total Loans %	13.88	13.68	12.86	12.07	12
Gross Loans / Total Deposits %	127.72	128.56	125.25	124.85	121.28
Net Loans / Total Deposits %	118.39	120.32	116.1	115.44	111.21
Tier 1 Capital Ratio %	14.6	14.5	14	12.7	12.3
Total Capital Ratio %	16.8	16.8	16.2	15	14.6
Core Tier 1 Capital Ratio	14.6	14.5	14	12.7	12.3
Tier 2 Capital Ratio	2.25	2.25	2.14	2.25	2.25
Coverage Ratio	58.16	43.3	165.96	57.17	59.88
Interbank Ratio	22.9	12.87	12.61	13.36	222.22
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	1.48	2.92	1.6	1.24	1.16
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	3.78	-0.07	12.04	9.76	10.39
Non Interest Income, 1 Yr. Growth %	-39.8	14.05	27.46	-3.32	9.14
Provision For Loan Losses, 1 Yr. Growth %	57.36	-91.23	664	13.09	43.29
Total Revenues, 1 Yr. Growth %	-15.95	43.33	-8.87	7.02	0.22
Earnings From Cont. Operations, 1 Yr. Growth %	-47.91	196.1	-33.01	14.49	-25.38
Net Income, 1 Yr. Growth %	-47.91	196.1	-26.1	-27.89	-18.93
Normalized Net Income, 1 Yr. Growth %	-48.06	193.19	-27.12	32.56	-4.59
Diluted EPS Before Extra, 1 Yr. Growth %	-48.8	195.56	-33.14	14.01	-25.99
Dividend Per Share, 1 Yr. Growth %	120	38.86	-26.19	-28.6	4.97
Gross Loans, 1 Yr. Growth %	-4.16	6.24	16.48	13.84	9.76
Allowance For Loan Losses, 1 Yr. Growth %	36.47	-18.38	15.56	12.95	26.9
Net Loans, 1 Yr. Growth %	-3.72	7.28	15.37	13.56	8.84
Non Performing Loans, 1 Yr. Growth %	16.75	9.63	-69.85	227.87	21.16
Non Performing Assets, 1 Yr. Growth %	16.75	9.63	-69.85	227.87	21.16
Total Assets, 1 Yr. Growth %	-0.7	8.44	17.13	11.78	8.96
Total Deposits, 1 Yr Growth %	-1.38	5.56	19.56	14.2	12.99
Tangible Book Value, 1 Yr. Growth %	7.22	13.7	8.39	5.88	4.99
Common Equity, 1 Yr. Growth %	6.45	13	8.1	5.55	4.64
Total Equity, 1 Yr. Growth %	6.45	13	8.1	5.55	4.64
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	6.24	1.84	0.56	10.9	10.08
Non Interest Income, 2 Yr. CAGR %	-17.78	-17.14	22.31	11.01	2.73
Provision For Loan Losses, 2 Yr. CAGR %	25.83	-62.85	-13.71	193.94	27.3
Total Revenues, 2 Yr. CAGR %	-3.2	9.76	8.91	-1.25	3.56
Earnings From Cont. Operations, 2 Yr. CAGR %	-24.34	21.09	15.94	-12.42	-2.45
Net Income, 2 Yr. CAGR %	-24.34	21.09	47.93	-27	-23.54
Normalized Net Income, 2 Yr. CAGR %	-23.89	20.29	25.54	-1.71	14.56
Diluted EPS Before Extra, 2 Yr. CAGR %	-24.86	19.95	16.99	-12.69	-4.36
Dividend Per Share, 2 Yr. CAGR %	-27.19	74.79	1.24	-27.4	-13.43
Gross Loans, 2 Yr. CAGR %	6.78	0.91	11.25	15.15	11.78
Allowance For Loan Losses, 2 Yr. CAGR %	11.02	5.54	-2.88	14.24	19.72
Net Loans, 2 Yr. CAGR %	7.83	1.63	11.25	14.46	11.18
Non Performing Loans, 2 Yr. CAGR %	52.06	13.14	-42.51	-0.58	99.31
Non Performing Assets, 2 Yr. CAGR %	52.06	13.14	-42.51	-0.58	99.31
Total Assets, 2 Yr. CAGR %	4.4	3.72	12.7	14.42	10.36
Total Deposits, 2 Yr CAGR %	3.84	2.03	12.34	16.85	13.6
Tangible Book Value, 2 Yr. CAGR %	7.55	9.8	11.01	7.04	5.43
Common Equity, 2 Yr. CAGR %	6.81	9.09	10.53	6.73	5.09
Total Equity, 2 Yr. CAGR %	6.81	9.09	10.53	6.73	5.09
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	9.61	4.09	1.62	3.54	10.73
Non Interest Income, 3 Yr. CAGR %	-7.32	-8.31	-3.43	13.09	10.39
Provision For Loan Losses, 3 Yr. CAGR %	15.26	-48.21	5.43	-5.57	131.33
Total Revenues, 3 Yr. CAGR %	5.07	10.33	-0.1	8.28	-0.76
Earnings From Cont. Operations, 3 Yr. CAGR %	-6.63	17.24	-12.69	15.45	-13.93
Net Income, 3 Yr. CAGR %	-12.03	17.24	2.71	16.42	-24.4
Normalized Net Income, 3 Yr. CAGR %	-7.01	17.3	-8.04	27.83	-1.47
Diluted EPS Before Extra, 3 Yr. CAGR %	-7.14	16.63	-12.66	15.99	-15.12
Dividend Per Share, 3 Yr. CAGR %	-17.72	-9.71	31.13	-9.88	-17.91
Gross Loans, 3 Yr. CAGR %	12.22	6.6	5.85	12.1	13.33
Allowance For Loan Losses, 3 Yr. CAGR %	27.5	0.2	8.78	2.13	18.32
Net Loans, 3 Yr. CAGR %	13.85	7.64	6.02	12.01	12.56
Non Performing Loans, 3 Yr. CAGR %	15.5	36.35	-27.2	2.72	6.19
Non Performing Assets, 3 Yr. CAGR %	15.5	36.35	-27.2	2.72	6.19
Total Assets, 3 Yr. CAGR %	12.09	5.69	8.01	12.39	12.57
Total Deposits, 3 Yr CAGR %	10.34	4.41	7.57	12.96	15.55
Tangible Book Value, 3 Yr. CAGR %	3.26	9.16	9.33	9.22	6.36
Common Equity, 3 Yr. CAGR %	2.79	8.45	8.76	8.78	6.03
Total Equity, 3 Yr. CAGR %	2.79	8.45	8.76	8.78	6.03
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	13.85	10.27	5.89	4.61	4.93
Non Interest Income, 5 Yr. CAGR %	-1.73	-0.98	3.55	-0.45	-1.02
Provision For Loan Losses, 5 Yr. CAGR %	25.01	-28.03	2.66	5.92	13.68
Total Revenues, 5 Yr. CAGR %	8.21	13.85	6.59	3.53	1.35
Earnings From Cont. Operations, 5 Yr. CAGR %	-3.44	26.28	0.79	-3.49	-8.73
Net Income, 5 Yr. CAGR %	-10.81	-19.81	7.2	-3	-8.73
Normalized Net Income, 5 Yr. CAGR %	-4.12	23.62	3.78	2.83	0.41
Diluted EPS Before Extra, 5 Yr. CAGR %	-3.93	25.37	0.82	-3.48	-9.43
Dividend Per Share, 5 Yr. CAGR %	-9.38	-4.02	-10.61	-17.25	11.06
Gross Loans, 5 Yr. CAGR %	18.18	12.5	11.83	9.95	8.19
Allowance For Loan Losses, 5 Yr. CAGR %	19.25	18.9	14.35	5.6	13.03
Net Loans, 5 Yr. CAGR %	19.68	13.88	12.81	10.32	8.05
Non Performing Loans, 5 Yr. CAGR %	20.57	17.95	-12.63	20.17	8.92
Non Performing Assets, 5 Yr. CAGR %	20.57	17.95	-12.63	20.17	8.92
Total Assets, 5 Yr. CAGR %	16.39	13.83	12.31	9.1	8.94
Total Deposits, 5 Yr CAGR %	14.04	12.8	11.14	9.22	9.94
Tangible Book Value, 5 Yr. CAGR %	14.39	5.42	6.06	8.31	7.72
Common Equity, 5 Yr. CAGR %	13.88	5.08	5.59	7.76	7.25
Total Equity, 5 Yr. CAGR %	13.88	5.08	5.59	7.76	7.25