Secure Trust Bank PLC
LSE:STB
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Intrinsic Value
The intrinsic value of 
Secure Trust Bank PLC (STB) under the Base Case is 1 650.49 GBX per share.
Compared with the current market price of 1 424 GBX, the stock appears
Undervalued by 14% .
The intrinsic value is calculated using the DCF method. The model assumes revenue returns to growth: about 9% a year over the next five years, after falling about 0% a year over the last five years. If revenue grew at its five-year pace of 0%, the estimate would be about GBX 1,142.
Do our valuations actually work? See backtest results .
Cheap or expensive for this stock?
This block shows whether today’s valuation is cheap or expensive compared with the stock’s own history, and what happened after similar valuations in the past.
We compare the gap between the stock’s price and our estimated value over time.
- Undervalued can still be historically expensive. The stock may trade below our estimated value, but usually offer an even bigger discount.
- Overvalued can still be historically cheap. The stock may trade above our estimated value, but usually carry an even higher premium.
Market expectations can differ from our model, which may not fully capture everything affecting the price. That is why some stocks regularly trade above our estimated value and others below it.
The scale and chart show how today’s valuation compares with the past. The cards summarize past returns and waiting times until the stock stopped being cheap or expensive. This can happen because the price changed, our estimated value changed, or both.
Only completed periods are included. These are past results, not forecasts. The usual historical range does not necessarily mean fair value.
Fundamental Analysis
What Secure Trust Bank Does
Secure Trust Bank is a UK specialist bank. It takes deposits from savers and uses that funding to make loans, mainly through niche lending products such as vehicle finance, business lending, real estate finance, and other specialist credit. It also offers savings accounts to personal customers and businesses, which helps provide the funding base for its lending book.
- Headquarters
- United Kingdom UK
- Employees
- 772
- IPO date
- Nov 2, 2011
What is the Intrinsic Value of one STB stock?
The intrinsic value for Secure Trust Bank PLC (STB) under the Base Case is 1 650.49 GBX.
Is STB stock undervalued or overvalued?
Compared with the current market price of 1 424 GBX, the stock appears Undervalued by 14% .
