Secure Trust Bank PLC Net Assets
Secure Trust Bank PLC net assets. Based on the latest financial reports, Secure Trust Bank PLC (STB) has net assets worth GBX389.10 Million GBX (≈ $47.34K USD) as of June 2026. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (GBX3.95 Billion ≈ $481.06K USD) and total liabilities (GBX3.56 Billion ≈ $433.72K USD). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Also explore Secure Trust Bank PLC (STB) equity growth momentum to track the company's year-over-year net asset growth rate.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | GBX389.10 Million |
| % of Total Assets | 9.84% |
| Annual Growth Rate | 24.73% |
| 5-Year Change | 23.78% |
| 10-Year Change | 58.6% |
| Growth Volatility | 37.76 |
Net Assets of Secure Trust Bank PLC (2008–2025)
Net assets of Secure Trust Bank PLC from 2008 to 2025. This chart illustrates how Secure Trust Bank PLC's net assets have evolved over time, based on quarterly financial data. See STB equity to assets ratio to measure how much of total assets are equity-financed.
Annual Net Assets for Secure Trust Bank PLC (2008–2025)
The table below shows the annual net assets of Secure Trust Bank PLC from 2008 to 2025. For live market cap and overall valuation, see Secure Trust Bank PLC market capitalisation.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | GBX374.30 Million ≈ $45.54K |
+3.83% |
| 2024-12-31 | GBX360.50 Million ≈ $43.86K |
+4.64% |
| 2023-12-31 | GBX344.50 Million ≈ $41.92K |
+5.38% |
| 2022-12-31 | GBX326.90 Million ≈ $39.77K |
+8.10% |
| 2021-12-31 | GBX302.40 Million ≈ $36.79K |
+11.79% |
| 2020-12-31 | GBX270.50 Million ≈ $32.91K |
+6.45% |
| 2019-12-31 | GBX254.10 Million ≈ $30.92K |
+7.17% |
| 2018-12-31 | GBX237.10 Million ≈ $28.85K |
-4.82% |
| 2017-12-31 | GBX249.10 Million ≈ $30.31K |
+5.55% |
| 2016-12-31 | GBX236.00 Million ≈ $28.71K |
+67.14% |
| 2015-12-31 | GBX141.20 Million ≈ $17.18K |
+13.05% |
| 2014-12-31 | GBX124.90 Million ≈ $15.20K |
+101.45% |
| 2013-12-31 | GBX62.00 Million ≈ $7.54K |
+10.87% |
| 2012-12-31 | GBX55.92 Million ≈ $6.80K |
+134.81% |
| 2011-12-31 | GBX23.82 Million ≈ $2.90K |
+50.77% |
| 2010-12-31 | GBX15.80 Million ≈ $1.92K |
+31.11% |
| 2009-12-31 | GBX12.05 Million ≈ $1.47K |
+37.74% |
| 2008-12-31 | GBX8.75 Million ≈ $1.06K |
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Equity Component Analysis
This analysis shows how different components contribute to Secure Trust Bank PLC's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 28440000000.0% over the analyzed period, indicating profitable operations and earnings retention.
Secure Trust Bank PLC Net Assets Breakdown (December 2025)
Secure Trust Bank PLC net assets breakdown by equity component as of December 2025.
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | GBX284.40 Million | 75.98% |
| Common Stock | GBX7.60 Million | 2.03% |
| Other Components | GBX82.30 Million | 21.99% |
| Total Equity | GBX374.30 Million | 100.00% |
Secure Trust Bank PLC Competitors by Market Cap
The table below lists competitors of Secure Trust Bank PLC ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
EDENVILLE ENERGY PLC-01
F:UZH0
|
$2.98 Million |
|
Argeo AS
OL:ARGEO
|
$2.98 Million |
|
Keyang Electric Machinery Co Ltd
KO:012205
|
$2.98 Million |
|
EMU NL
AU:EMU
|
$2.98 Million |
|
Fon SE
WAR:FON
|
$2.98 Million |
|
G-Tec Jainx Education Limited
NSE:GTECJAINX
|
$2.98 Million |
|
GSP Resource Corp
V:GSPR
|
$2.97 Million |
|
Transition Metals Corp
V:XTM
|
$2.97 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Secure Trust Bank PLC's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 360,500,000 to 374,300,000, a change of 13,800,000 (3.8%).
- Net loss of 9,400,000 reduced equity.
- Dividend payments of 6,400,000 reduced retained earnings.
- Share repurchases of 200,000 reduced equity.
- Other factors increased equity by 29,800,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | GBX-9.40 Million | -2.51% |
| Dividends Paid | GBX6.40 Million | -1.71% |
| Share Repurchases | GBX200.00K | -0.05% |
| Other Changes | GBX29.80 Million | +7.96% |
| Total Change | GBX- | 3.83% |
Book Value vs Market Value Analysis
This analysis compares Secure Trust Bank PLC's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 70.88x
- The company is trading at a significant premium to its book value, suggesting the market values its earnings potential, brand, or other intangibles highly.
- The price-to-book ratio has decreased from 2173.56x to 70.88x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2008-12-31 | GBX0.62 | GBX1342.00 | x |
| 2009-12-31 | GBX0.85 | GBX1342.00 | x |
| 2010-12-31 | GBX1.26 | GBX1342.00 | x |
| 2011-12-31 | GBX1.86 | GBX1342.00 | x |
| 2012-12-31 | GBX3.92 | GBX1342.00 | x |
| 2013-12-31 | GBX3.87 | GBX1342.00 | x |
| 2014-12-31 | GBX7.31 | GBX1342.00 | x |
| 2015-12-31 | GBX7.62 | GBX1342.00 | x |
| 2016-12-31 | GBX12.85 | GBX1342.00 | x |
| 2017-12-31 | GBX13.32 | GBX1342.00 | x |
| 2018-12-31 | GBX12.64 | GBX1342.00 | x |
| 2019-12-31 | GBX13.59 | GBX1342.00 | x |
| 2020-12-31 | GBX14.23 | GBX1342.00 | x |
| 2021-12-31 | GBX15.88 | GBX1342.00 | x |
| 2022-12-31 | GBX16.95 | GBX1342.00 | x |
| 2023-12-31 | GBX17.88 | GBX1342.00 | x |
| 2024-12-31 | GBX18.56 | GBX1342.00 | x |
| 2025-12-31 | GBX18.93 | GBX1342.00 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Secure Trust Bank PLC utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): -2.51%
- The company may be facing challenges in efficiently utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: -2.77%
- • Asset Turnover: 0.08x
- • Equity Multiplier: 11.53x
- Recent ROE (-2.51%) is below the historical average (20.36%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2008 | 40.08% | 0.00% | 0.00x | 6.08x | GBX2.63 Million |
| 2009 | 48.17% | 0.00% | 0.00x | 9.61x | GBX4.60 Million |
| 2010 | 39.57% | 0.00% | 0.00x | 11.44x | GBX4.67 Million |
| 2011 | 21.26% | 21.26% | 0.08x | 12.93x | GBX2.68 Million |
| 2012 | 27.78% | 33.03% | 0.10x | 8.49x | GBX9.94 Million |
| 2013 | 19.84% | 15.57% | 0.15x | 8.48x | GBX6.10 Million |
| 2014 | 16.41% | 20.94% | 0.13x | 6.26x | GBX8.01 Million |
| 2015 | 20.33% | 31.16% | 0.07x | 8.83x | GBX14.58 Million |
| 2016 | 58.26% | 116.33% | 0.08x | 6.40x | GBX113.90 Million |
| 2017 | 9.55% | 18.34% | 0.07x | 7.59x | GBX-1.11 Million |
| 2018 | 11.94% | 18.67% | 0.06x | 10.31x | GBX4.59 Million |
| 2019 | 12.24% | 18.79% | 0.06x | 10.56x | GBX5.69 Million |
| 2020 | 5.69% | 7.39% | 0.08x | 9.85x | GBX-11.65 Million |
| 2021 | 15.08% | 25.84% | 0.06x | 9.54x | GBX15.36 Million |
| 2022 | 10.31% | 15.34% | 0.06x | 10.34x | GBX1.01 Million |
| 2023 | 7.05% | 17.14% | 0.04x | 10.97x | GBX-10.15 Million |
| 2024 | 5.46% | 13.86% | 0.03x | 11.42x | GBX-16.35 Million |
| 2025 | -2.51% | -2.77% | 0.08x | 11.53x | GBX-46.83 Million |
Industry Comparison
This section compares Secure Trust Bank PLC's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $389,870,496,600
- Average return on equity (ROE) among peers: 14.60%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Secure Trust Bank PLC (STB) | GBX389.10 Million | 40.08% | 9.16x | $2.98 Million |
| Arbuthnot Banking Group Plc (ARBB) | $18.44 Million | 40.64% | 6.20x | $1.60 Million |
| Axis Bank Ltd GDR (AXB) | $1.30 Trillion | 8.31% | 9.33x | $394.82 Million |
| Lion Finance Group PLC (BGEO) | $4.25 Billion | 33.88% | 5.80x | $63.37 Million |
| Close Brothers Group plc (CBG) | $1.24 Billion | 15.47% | 6.51x | $7.11 Million |
| Halyk Bank of Kazakhstan Joint Stock Company (HSBK) | $2.48 Trillion | 28.00% | 5.26x | $6.48 Billion |
| Lloyds Banking Group PLC (LLOY) | $47.37 Billion | 11.53% | 17.61x | $670.80 Million |
| Manx Financial Group Plc (MFX) | $9.70 Million | 0.00% | 5.01x | $307.47K |
| Metro Bank PLC (MTRO) | $-997.00K | 0.00% | 0.00x | $12.51 Million |
| Nationwide Building Society (NBS) | $17.69 Billion | 7.35% | 14.37x | $1.19 Billion |
| NatWest Group PLC (NWG) | $49.44 Billion | 0.81% | 0.04x | $561.45 Million |
About Secure Trust Bank PLC
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 p… Read more