Secure Trust BankCHIX:STBL -1.17%54 PB Ratio is 0.68 as of Jun. 25, 2026, which is 6% below its 10-year median of 0.72. GuruFocus rates CHIX:STBL with a GF Score™ of 54/100 and a GF Value™ of £6.84 (Significantly Overvalued). The stock has 2 warning signs investors should review. Among 1,515 Banks companies, Secure Trust Bank ranks better than 80.59% on this metric.
The historical rank and industry rank for Secure Trust Bank's PB Ratio or its related term are showing as below:
CHIX:STBl'
s PB Ratio Range Over the Past 10 Years
Min: 0.18 Med: 0.72 Max: 3.08
Current: 0.68
During the past 13 years, Secure Trust Bank's highest PB Ratio was 3.08. The lowest was 0.18. And the median was 0.72.
CHIX:STBl's PB Ratio is ranked better than 80.59% of 1515
companies
in the Banks industry
Industry Median: 1.08
vs CHIX:STBl: 0.68
During the past 12 months, Secure Trust Bank's average Book Value Per Share Growth Rate was 3.40% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 4.60% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 6.60% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 7.70% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Secure Trust Bank was 61.80% per year. The lowest was 2.10% per year. And the median was 18.20% per year.
Back to Basics: PB Ratio
Secure Trust Bank (CHIX:STBl) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Secure Trust Bank PB Ratio Related Terms
Secure Trust Bank PB Ratio Historical Data
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The historical data trend for Secure Trust Bank's PB Ratio can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, Secure Trust Bank's PB Ratio, along with its competitors' market caps and PB Ratio data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Secure Trust Bank PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Secure Trust Bank's PB Ratio distribution charts can be found below:
* The bar in red indicates where Secure Trust Bank's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Secure Trust Bank (CHIX:STBL) has a PB Ratio of 0.68 as of Jun. 25, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Secure Trust Bank and its competitors. This is near median its historical median of 0.72. Over the past decade, Secure Trust Bank's PB Ratio has ranged from 0.18 to 3.08. According to the industry distribution chart, Secure Trust Bank ranks #294 out of 1515 companies in the Banks industry, placing it in the top 19.4%.
Is Secure Trust Bank's PB Ratio too high?
Secure Trust Bank's current PB Ratio of 0.68 is near median its 10-year median of 0.72. Over the past 10 years, this metric has ranged from a low of 0.18 to a high of 3.08. The Banks industry median PB Ratio is 1.08. Secure Trust Bank's value of 0.68 is 37% below this industry median. Based on the distribution chart, Secure Trust Bank ranks #294 out of 1515 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Secure Trust Bank has a GF Score™ of 54/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Secure Trust Bank's PB Ratio compare to PNC?
According to the Banks industry distribution chart, Secure Trust Bank ranks #294 out of 1515 companies for PB Ratio. This places Secure Trust Bank in the top 19% of its industry — outperforming the majority of peers. The industry median PB Ratio is 1.08. Secure Trust Bank's value of 0.68 is 37% below this benchmark. Historically, Secure Trust Bank's own PB Ratio has ranged from 0.18 to 3.08 over the past decade. While the company's 10-year median is 0.72 vs. the industry median of 1.08, Secure Trust Bank has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.08, based on 1,515 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Secure Trust Bank's current PB Ratio of 0.68 is 37% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Secure Trust Bank and its competitors. For the Banks industry, the median PB Ratio is 1.08 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Secure Trust Bank's current PB Ratio is 0.68, which is near median its own 10-year median of 0.72. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Secure Trust Bank stock overvalued right now?
Based on GuruFocus' analysis, Secure Trust Bank (CHIX:STBL) is currently considered Significantly Overvalued. The stock's GF Value™ is £6.84, compared to a current price of £13.54 — trading 98% above its estimated fair value. The current PB Ratio is 0.68, which is near median its 10-year median of 0.72 and 37% below the Banks industry median of 1.08. Secure Trust Bank's overall GF Score™ is 54/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Secure Trust Bank (CHIX:STBL), the current PB Ratio is 0.68 as of Jun. 25, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Secure Trust Bank (CHIX:STBL) Overvalued in 2026?
Based on GuruFocus' analysis, Secure Trust Bank stock appears to be overvalued.
The current stock price of £13.54 is trading 98% above its estimated GF Value™ of £6.84.
GuruFocus considers Secure Trust Bank to be Significantly Overvalued.
Key valuation signals for CHIX:STBL:
PB Ratio: 0.68 (near median its 10-year median of 0.72)
GF Value™: £6.84 vs. price of £13.54 (98% above fair value)
Industry Position: 37% below the Banks median (#294 of 1515)
No single metric tells the full story. See the CHIX:STBL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Secure Trust Bank PLC is engaged in the provision of banking and financial services. The company is organised into four operating segments, which consist of the different products available, as follows: i) Consumer Finance: it includes Retail Finance and Vehicle Finance, ii) Business Finance: It includes Real Estate Finance and Commercial Finance, and iii) Other. The majority of revenue is derived from the Retail Finance segment, which provides online e-commerce services to retailers, providing unsecured lending products to prime UK customers. Geographically, the company operates only in the United Kingdom.
54GF Score
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