{
  "app": "dividend_compounders",
  "ticker": {
    "uuid": "98b22a51-c44c-4b98-b4eb-ad1551569e3c",
    "symbol": "STB",
    "name": "Secure Trust Bank PLC",
    "exchange": "LSE",
    "country_code": "GB",
    "country_name": "United Kingdom",
    "sector": "Financial Services",
    "industry": "Banks - Regional",
    "chart_url": "https://sharemaestro.com/terminal/98b22a51-c44c-4b98-b4eb-ad1551569e3c/"
  },
  "snapshot": {
    "ticker": {
      "uuid": "98b22a51-c44c-4b98-b4eb-ad1551569e3c",
      "symbol": "STB",
      "name": "Secure Trust Bank PLC",
      "exchange": "LSE",
      "country_code": "GB",
      "country_name": "United Kingdom",
      "sector": "Financial Services",
      "industry": "Banks - Regional",
      "chart_url": "https://sharemaestro.com/terminal/98b22a51-c44c-4b98-b4eb-ad1551569e3c/"
    },
    "as_of_date": "2026-06-12",
    "provider_symbol": "STB.L",
    "market_cap": 252166896.0,
    "market_cap_usd": 23493113160.0,
    "price": 1346.0,
    "currency": "GBP",
    "dividend_yield": 0.0281,
    "dividend_years": 13,
    "dividend_growth_5y": -0.13867086,
    "dividend_cut_5y": true,
    "payout_ratio": 0.152,
    "net_income": 19700000.0,
    "free_cash_flow": 110700000.0,
    "fcf_covers_dividend": true,
    "debt_to_equity": 0.26380028,
    "revenue_growth_5y": 0.11199005,
    "net_margin": 0.13154,
    "roe": 0.12139,
    "pe_ratio": 5.9557524,
    "price_vs_ma": 0.04560703,
    "return_3y": 1.1597443,
    "return_5y": 0.26679515,
    "max_drawdown": -0.75352635,
    "scores": {
      "dividend_reliability": 11.5,
      "dividend_sustainability": 20.0,
      "business_quality": 22.0,
      "valuation": 11.0,
      "trend": 12.0,
      "total": 76.5,
      "confidence": 100.0
    },
    "rating": "high_quality",
    "rating_label": "High Quality Watchlist Candidate",
    "decision": "reject",
    "decision_label": "Reject",
    "warnings": [
      "Dividend cut or material annual decrease detected in the last five completed years."
    ],
    "urls": {
      "page": "https://sharemaestro.com/dividend-compounders/ticker/98b22a51-c44c-4b98-b4eb-ad1551569e3c/",
      "chart": "https://sharemaestro.com/terminal/98b22a51-c44c-4b98-b4eb-ad1551569e3c/"
    }
  },
  "score_breakdown": {
    "dividend_reliability": 11.5,
    "dividend_sustainability": 20.0,
    "business_quality": 22.0,
    "valuation": 11.0,
    "trend": 12.0,
    "total": 76.5,
    "confidence": 100.0
  },
  "warnings": [
    "Dividend cut or material annual decrease detected in the last five completed years."
  ],
  "diary": [
    {
      "event_date": "2026-06-12",
      "event_type": "warning",
      "severity": "warning",
      "ticker": "STB",
      "exchange": "LSE",
      "headline": "STB dividend review warning",
      "detail": "Dividend cut or material annual decrease detected in the last five completed years.",
      "amount": null,
      "currency": "",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/98b22a51-c44c-4b98-b4eb-ad1551569e3c/"
    },
    {
      "event_date": "2026-04-23",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "STB",
      "exchange": "LSE",
      "headline": "Dividend increased 100.8%",
      "detail": "Payment changed from 11.8 to 23.7.",
      "amount": 23.7,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/98b22a51-c44c-4b98-b4eb-ad1551569e3c/"
    },
    {
      "event_date": "2026-04-23",
      "event_type": "payment",
      "severity": "info",
      "ticker": "STB",
      "exchange": "LSE",
      "headline": "STB dividend payment 23.7 GBP",
      "detail": "Recorded dividend payment for Secure Trust Bank PLC.",
      "amount": 23.7,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/98b22a51-c44c-4b98-b4eb-ad1551569e3c/"
    },
    {
      "event_date": "2025-08-28",
      "event_type": "decrease",
      "severity": "negative",
      "ticker": "STB",
      "exchange": "LSE",
      "headline": "Dividend decreased -47.6%",
      "detail": "Payment changed from 22.5 to 11.8.",
      "amount": 11.8,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/98b22a51-c44c-4b98-b4eb-ad1551569e3c/"
    },
    {
      "event_date": "2025-08-28",
      "event_type": "payment",
      "severity": "info",
      "ticker": "STB",
      "exchange": "LSE",
      "headline": "STB dividend payment 11.8 GBP",
      "detail": "Recorded dividend payment for Secure Trust Bank PLC.",
      "amount": 11.8,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/98b22a51-c44c-4b98-b4eb-ad1551569e3c/"
    },
    {
      "event_date": "2025-04-24",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "STB",
      "exchange": "LSE",
      "headline": "Dividend increased 99.1%",
      "detail": "Payment changed from 11.3 to 22.5.",
      "amount": 22.5,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/98b22a51-c44c-4b98-b4eb-ad1551569e3c/"
    },
    {
      "event_date": "2025-04-24",
      "event_type": "payment",
      "severity": "info",
      "ticker": "STB",
      "exchange": "LSE",
      "headline": "STB dividend payment 22.5 GBP",
      "detail": "Recorded dividend payment for Secure Trust Bank PLC.",
      "amount": 22.5,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/98b22a51-c44c-4b98-b4eb-ad1551569e3c/"
    },
    {
      "event_date": "2024-08-29",
      "event_type": "decrease",
      "severity": "negative",
      "ticker": "STB",
      "exchange": "LSE",
      "headline": "Dividend decreased -30.2%",
      "detail": "Payment changed from 16.2 to 11.3.",
      "amount": 11.3,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/98b22a51-c44c-4b98-b4eb-ad1551569e3c/"
    },
    {
      "event_date": "2024-08-29",
      "event_type": "payment",
      "severity": "info",
      "ticker": "STB",
      "exchange": "LSE",
      "headline": "STB dividend payment 11.3 GBP",
      "detail": "Recorded dividend payment for Secure Trust Bank PLC.",
      "amount": 11.3,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/98b22a51-c44c-4b98-b4eb-ad1551569e3c/"
    },
    {
      "event_date": "2024-04-25",
      "event_type": "payment",
      "severity": "info",
      "ticker": "STB",
      "exchange": "LSE",
      "headline": "STB dividend payment 16.2 GBP",
      "detail": "Recorded dividend payment for Secure Trust Bank PLC.",
      "amount": 16.2,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/98b22a51-c44c-4b98-b4eb-ad1551569e3c/"
    },
    {
      "event_date": "2023-08-31",
      "event_type": "decrease",
      "severity": "negative",
      "ticker": "STB",
      "exchange": "LSE",
      "headline": "Dividend decreased -45.0%",
      "detail": "Payment changed from 29.1 to 16.",
      "amount": 16.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/98b22a51-c44c-4b98-b4eb-ad1551569e3c/"
    },
    {
      "event_date": "2023-08-31",
      "event_type": "payment",
      "severity": "info",
      "ticker": "STB",
      "exchange": "LSE",
      "headline": "STB dividend payment 16 GBP",
      "detail": "Recorded dividend payment for Secure Trust Bank PLC.",
      "amount": 16.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/98b22a51-c44c-4b98-b4eb-ad1551569e3c/"
    },
    {
      "event_date": "2023-04-27",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "STB",
      "exchange": "LSE",
      "headline": "Dividend increased 81.9%",
      "detail": "Payment changed from 16 to 29.1.",
      "amount": 29.1,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/98b22a51-c44c-4b98-b4eb-ad1551569e3c/"
    },
    {
      "event_date": "2023-04-27",
      "event_type": "payment",
      "severity": "info",
      "ticker": "STB",
      "exchange": "LSE",
      "headline": "STB dividend payment 29.1 GBP",
      "detail": "Recorded dividend payment for Secure Trust Bank PLC.",
      "amount": 29.1,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/98b22a51-c44c-4b98-b4eb-ad1551569e3c/"
    },
    {
      "event_date": "2022-08-25",
      "event_type": "payment",
      "severity": "info",
      "ticker": "STB",
      "exchange": "LSE",
      "headline": "STB dividend payment 16 GBP",
      "detail": "Recorded dividend payment for Secure Trust Bank PLC.",
      "amount": 16.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/98b22a51-c44c-4b98-b4eb-ad1551569e3c/"
    },
    {
      "event_date": "2022-04-21",
      "event_type": "payment",
      "severity": "info",
      "ticker": "STB",
      "exchange": "LSE",
      "headline": "STB dividend payment 41.1 GBP",
      "detail": "Recorded dividend payment for Secure Trust Bank PLC.",
      "amount": 41.100002,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/98b22a51-c44c-4b98-b4eb-ad1551569e3c/"
    },
    {
      "event_date": "2021-08-26",
      "event_type": "payment",
      "severity": "info",
      "ticker": "STB",
      "exchange": "LSE",
      "headline": "STB dividend payment 20 GBP",
      "detail": "Recorded dividend payment for Secure Trust Bank PLC.",
      "amount": 20.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/98b22a51-c44c-4b98-b4eb-ad1551569e3c/"
    },
    {
      "event_date": "2021-04-22",
      "event_type": "payment",
      "severity": "info",
      "ticker": "STB",
      "exchange": "LSE",
      "headline": "STB dividend payment 44 GBP",
      "detail": "Recorded dividend payment for Secure Trust Bank PLC.",
      "amount": 44.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/98b22a51-c44c-4b98-b4eb-ad1551569e3c/"
    },
    {
      "event_date": "2019-08-29",
      "event_type": "payment",
      "severity": "info",
      "ticker": "STB",
      "exchange": "LSE",
      "headline": "STB dividend payment 20 GBP",
      "detail": "Recorded dividend payment for Secure Trust Bank PLC.",
      "amount": 20.0,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/98b22a51-c44c-4b98-b4eb-ad1551569e3c/"
    }
  ]
}