Intrinsiqq

Secure Trust Bank PLC (STB.XLON) Quality Score

STB.XLON
Quality67

Valuation remains strong (avg 95/100), but business quality is pulling the composite down (avg 43/100).

Broad-market heuristics · Not a buy/sell signal

Valuation and growth

Earnings Multiple
90/100
14.5x

Under 20x, reasonable relative to earnings

Price / Book
100/100
0.78x

0.8x book, trading near or below equity

Revenue Growth
100/100
11.2%

Above 10% CAGR, strong compounder

Book Value Growth
70/100
5.2%

5–8% BVPS CAGR, steady compounding

Business Quality & Capital Allocation

Share Dilution
30/100
2.3%

Diluting 2–5%, watch for SBC

Return on Equity
60/100
5.5%

5–10%, adequate but not exceptional

Capital Adequacy
80/100
8.8%

8.8% equity/assets, comfortable cushion

Margin Trend
0/100
-21.0pp

Net margin compressed >2pp, profitability pressure

Secure Trust Bank (STB.XLON) quality: score, margins and returns

Secure Trust Bank (STB.XLON) scores 67/100 on Intrinsiqq's quality score (a solid business), a weighted blend of 8 metrics each scored 0 to 100. Every metric is computed from company filings; this is analysis, not investment advice.

Frequently asked

Is Secure Trust Bank (STB.XLON) a high-quality business?+

Secure Trust Bank scores 67 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which rates it a solid business on these measures. Quality and price are separate questions: even a great business can be a poor investment if you overpay, so read this score alongside the valuation. The metric-by-metric breakdown is on this scorecard.

What does Secure Trust Bank's quality score measure?+

Intrinsiqq's quality score weighs profitability, returns on capital, revenue growth, and balance-sheet strength, using measures suited to banks, insurers and other financial companies (where free-cash-flow and operating-margin metrics do not apply), each computed from STB.XLON's company filings rather than opinion or sentiment. A higher score means a more durable, capital-efficient business; it is not a buy or sell signal. Open each metric on this page to see exactly where Secure Trust Bank scores well and where it falls behind.

How profitable is Secure Trust Bank?+

Secure Trust Bank runs a net margin of about 9.6%. Revenue has grown at roughly 5.8% a year recently. High, stable margins usually point to pricing power and operating discipline. Margins are most telling next to growth and returns on capital, all of which feed this quality score. This is analysis from company filings, not investment advice.

How the market compares: US profitability statistics

Related stocks: Banks - Regional

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Data sourced from company filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.

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Intrinsiqq is a Netherlands-based company operating in Rotterdam, KvK 73238007.