Secure Trust Bank (CHIX:STBL) GF Value Rank: 1 (As of Jul. 16, 2026) — 88% Below Median

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

CHIX:STBL Secure Trust Bank PLC CHIX:STBL
54 GF Score
Price £14.96
GF Value £6.91
Valuation Significantly Overvalued
! 7 Warning Signs
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What is Secure Trust Bank GF Value Rank?

Secure Trust Bank CHIX:STBL +0.67% 54 GF Value Rank is 1 as of Jul. 16, 2026, which is 88% below its 10-year median of 8.00. GuruFocus rates CHIX:STBL with a GF Score™ of 54/100 and a GF Value™ of £6.91 (Significantly Overvalued). The stock has 7 warning signs investors should review.

Secure Trust Bank has the GF Value Rank of 1.

GF Value Rank evaluates the exclusive GuruFocus valuation and performance of a stock, rated on a scale from 1 to 10. It is determined by the price-to-GF-Value (P/GF Value) ratio, a proprietary metric calculated based on historical multiples along with an adjustment factor based on a company's past returns and growth and future estimates of the business' performance.

GuruFocus found that for valuation, we cannot simply give stocks a better GF Value rank simply because they have a lower P/GF Value ratio. Backtesting shows that over the long term, the two worst-performing groups are the most expensive group (with the highest P/GF Value ratio) and the least expensive group (with the lowest P/GF Value ratio).

We can understand why the most expensive group underperforms. We were initially puzzled by the underperformance of the least expensive group, but we realized there is a reason why some stocks are super cheap. If they look too undervalued, it is often because the businesses behind them are poor quality. The market realized this and gave them low valuations. In a way, the market is efficient.

After multiple backtesting analyses, we granted the stocks in third-cheapest percentile the highest GF Value rank, as they have performed the best over a full market cycle. Stock performance is actually not as sensitive to valuation as it is to growth and profitability. On average, the companies in the 20%-50% valuation groups have similar performances. Therefore, we should avoid the most expensive and the least expensive stocks. We can be more tolerant of valuation.

A higher score indicates a stock with a relatively low valuation and substantial potential for outperformance. Conversely, a lower score often reflects stocks that are either highly overvalued or deeply undervalued, both of which tend to underperform.

Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.

Secure Trust Bank GF Value Rank Related Terms

CHIX:STBL vs PNC, USB: GF Value Rank Comparison

For the Banks - Regional subindustry, Secure Trust Bank's GF Value Rank, along with its competitors' market caps and GF Value Rank 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 GF Value Rank vs Banks Industry

For the Banks industry and Financial Services sector, Secure Trust Bank's GF Value Rank distribution charts can be found below:

* The bar in red indicates where Secure Trust Bank's GF Value Rank falls into.


CHIX:STBL
54GF Score
Secure Trust Bank PLC CHIX:STBL
GF Value Rank is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about GF Value Rank →
What does a GF Value Rank of 1 mean?
Secure Trust Bank (CHIX:STBL) has a GF Value Rank of 1 as of Jul. 16, 2026. GF Value Rank is given based on historical multiples along with past returns, growth and future estimates of the business' performance. View historical data on Secure Trust Bank and its competitors. This is 88% below median its historical median of 8.00. Over the past decade, Secure Trust Bank's GF Value Rank has ranged from 1.00 to 10.00.
Is Secure Trust Bank's GF Value Rank too high?
Secure Trust Bank's current GF Value Rank of 1 is 88% below median its 10-year median of 8.00. Over the past 10 years, this metric has ranged from a low of 1.00 to a high of 10.00. 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 GF Value Rank compare to PNC and USB?
Secure Trust Bank's GF Value Rank of 1 can be compared against companies in the Banks industry. Historically, Secure Trust Bank's own GF Value Rank has ranged from 1.00 to 10.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good GF Value Rank for a Banks company?
A good GF Value Rank depends on the Banks industry context. However, GF Value Rank should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high GF Value Rank mean?
A high GF Value Rank can signal that a stock is expensive relative to its fundamentals. GF Value Rank is given based on historical multiples along with past returns, growth and future estimates of the business' performance. View historical data on Secure Trust Bank and its competitors. Secure Trust Bank's current GF Value Rank is 1, which is 88% below median its own 10-year median of 8.00. 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 £6.91, compared to a current price of £14.96 — trading 116.5% above its estimated fair value. The current GF Value Rank is 1, which is 88% below median its 10-year median of 8.00. Secure Trust Bank's overall GF Score™ is 54/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is GF Value Rank calculated?
GF Value Rank is calculated from a company's financial statements. For Secure Trust Bank (CHIX:STBL), the current GF Value Rank is 1 as of Jul. 16, 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 £14.96 is trading 116.5% above its estimated GF Value™ of £6.91. GuruFocus considers Secure Trust Bank to be Significantly Overvalued.

Key valuation signals for CHIX:STBL:

  • GF Value Rank: 1 (88% below median its 10-year median of 8.00)
  • GF Value™: £6.91 vs. price of £14.96 (116.5% above fair value)
  • GF Score™: 54/100 with 7 warning signs

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 Business Description

Other Exchanges STB:UK
Address Arleston Way, Yorke House, Solihull, West Midlands, GBR, B90 4LH
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

Get the complete analysis for CHIX:STBL

GF Value Rank is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

£14.96
Price
£6.91
GF Value