Structured JSON API for this factor page: https://sharemaestro.com/factors/api/tickers/98b22a51-c44c-4b98-b4eb-ad1551569e3c/
STB
Secure Trust Bank PLCSnapshot 2026-07-19 · 0.6w · Fresh
Strategy Eligibility
7 of 23 passing
★
OS Composite
OS 0.960
↗
Trending Value
✗
◆
Quality × Value
QV 0.864
🏛
Cornerstone Value
✗
🌿
Cornerstone Growth
✗
💎
Deep Value
✗
◇
VC2 Cheapest
✗
📐
EBITDA/EV
✗
◐
Veiled Value
✗
▣
Piotroski Bargains
✗
🔬
Quality Compounders
✗
📈
Consistent Earners
✗
🌱
GARP
Rev +11%
🔄
Shareholder Yield
2.7%
💰
High Yield
✗
🚀
Momentum Leaders
12-1 33%
◉
Market Leaders
✗
◎
Tiny Titans
✗
🔍
Small Cap Value
Val 91%
🛡
Low Volatility
✗
🏷
Sector Cheapest
✗
🧠
Capital Allocators
CAQ 1.00
⚡
Risk-Adj Momentum
✗
V
Value Analysis
Cheapness relative to fundamentals
91.0%ile
P/E
14.6×
P/S
1.4×
P/B
0.8×
FCF Yield
0.072
SH Yield
0.027
Relative Strength Across Value Dimensions
Multiples & Yields — Decomposition
VC1 (5-Factor)
8.00000000
/100 — 1=cheapest
VC2 (Trending Value)
12.00000000
/100
VC3 (Buyback)
5.00000000
/100
FCF yield of 7.2% is strong — the business generates significant free cash relative to price.
Q
Quality Analysis
Profitability, efficiency, balance sheet & earnings quality
82.0%ile
ROE
0.053
ROA
0.005
Net Margin
0.096
F-Score
6/9
Quality Radar — Relative Strength
Profitability & Leverage Breakdown
Rev Growth
0.111
Earn Growth
-0.182
Accruals
-0.021
lower=better
5yr Consist
No
M
Momentum & Risk
Price trend, volatility regime, risk-adjusted returns
94.0%ile
6M Return
14.4%
12M Return
53.8%
12-1 Mom
33.2%
Risk-Adj
0.78
Vol 252d
42.6%
Vol 60d
78.2%
↑ Expanding
Max DD 12M
-25.1%
Return Comparison — 6M / 12M / 12-1
Volatility Regime — 60d vs 252d
12-1 momentum of 33% is very strong — a clear uptrend. Near-term vol (78%) is expanding vs long-term (43%) — risk is increasing.
OS
Composite & Factor Heatmap
All factors at a glance
0.96
Pillar Balance — Value / Quality / Momentum
Factor Heatmap — green=strong, red=weak
▦
Sector Context
Financial Services
· 185 peers
Sector Value %ile
91.4%
Sector Quality %ile
80.6%
P/E z-score
-0.06
P/B z-score
-0.22
Sector Avg OS
55.8%
Ticker vs Sector Averages
Relative Valuation Z-Score
Top Sector Peers (By OS)
Factor Interactions
Value + Quality Intersection
Top-tier on both cheapness (91th) and quality (82th) — the O'Shaughnessy sweet spot, historically the strongest long-term combination.
Trending Value Signal
Cheap (91th value) with strong momentum (94th). The market is starting to recognise the value.
Hot but Volatile
Strong momentum (94th) but high volatility (43%). Momentum could reverse sharply.
Volatility Expanding
60-day vol (78%) significantly exceeds 252-day (43%). Near-term risk is elevated.
⚖
Factor Analysis
Comprehensive factor intelligence — strengths, weaknesses & cross-factor profile
Value
B
75.0% avg (5 factors)
Quality
D
33.7% avg (4 factors)
Momentum
B
67.7% avg (4 factors)
Risk
C
45.7% avg (1 factors)
Deep value territory, but quality is concerning. This is either a turnaround opportunity or a value trap — the F-Score and accruals ratio will be key differentiators.
▲ Top Strengths — highest scoring factors
▼ Key Weaknesses — lowest scoring factors
Score Trends7 snapshots
Factor Persistence7 snapshots
| Factor | Current | Streak | Trend | Spark |
|---|---|---|---|---|
| OS Composite | 0.960 | —7 | — | |
| Value %ile | 0.910 | —7 | — | |
| Quality %ile | 0.820 | —7 | — | |
| Momentum %ile | 0.940 | —7 | — | |
| F-Score | 6.000 | —0 | — | |
| Confidence | 0.378 | —6 | — | |
| Volatility | 0.426 | —7 | — |
Value Lens2021-07-20 → 2026-07-19
P/E Ratio
Earnings Yield
Value FactorsCheapness relative to fundamentals — lower multiples = cheaper
P/E Ratio
14.56
Price / Sales
1.40
Price / Book
0.77
Price / Cash Flow
2.57
FCF Yield
7.2%
Sales Yield (1/P·S)
0.1329
Shareholder Yield
Div + net buyback / mktcap
2.7%
Quality FactorsProfitability, efficiency, and balance sheet strength
Return on Equity
5.3%
Return on Assets
0.5%
Net Margin
9.6%
Accruals Ratio
(NI-OCF)/Assets — lower=better
-0.021
External Financing
Net issuance — lower=better
0.000
MomentumPrice trend strength over different horizons
6M Return
14.4%
12M Return
53.8%
12-1 Momentum
Jegadeesh-Titman (skip recent month)
33.2%
Risk-Adjusted Momentum
Mom 12-1 ÷ Vol
0.78
Growth & StabilityEarnings trajectory, consistency, and capital allocation
Revenue Growth (YoY)
11.1%
Earnings Growth (YoY)
-18.2%
5yr Consistent
EPS up every year for 5 years
No
Piotroski F-Score
6
Dividend Yield
2.3%
Buyback Yield
0.4%
O'Shaughnessy CompositesValue Composites (WWOWS 4th Ed) — 1=cheapest, 100=most expensive
VC1 (5-factor)
P/E+P/S+P/B+P/CF+EBITDA/EV
8
VC2 (6-factor)
VC1 + Shareholder Yield — used for Trending Value
12
VC3 (6-factor)
VC1 + Buyback Yield — no dividend preference
5
Capital Allocation & AlphaAlpha within factors — quality of management decisions
Veiled Value
Expensive by P/B, cheap by everything else
No
Market Leader
Above-avg mcap+revenue, non-utility
No
All Stocks Universe
Market cap > $200M
Yes
Tiny Titan
Micro-cap, low P/S, positive momentum
No
Annual Fundamentals
Revenue
Net Income
FCF
Net Margin
Show all
Op Income
OCF
CapEx
Equity