Secure Trust Bank PLC (STB.XLON) Quality Score
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
Valuation
Growth
Under 20x, reasonable relative to earnings
0.8x book, trading near or below equity
Above 10% CAGR, strong compounder
5–8% BVPS CAGR, steady compounding
Business Quality & Capital Allocation
Diluting 2–5%, watch for SBC
5–10%, adequate but not exceptional
8.8% equity/assets, comfortable cushion
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.
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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.