Arbuthnot Banking Group

ARBB.L

Banks - Regional · Financial Services

Exchange

London Stock Exchange

Winston Score

Winston is curious

A decent business — some strong pillars, some weaker.

Data as of Aug 23, 2026 · filings through Jun 30, 2026

How the score breaks down

Growth

Good

Valuation

Good

Dividends

Exceptional

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Winston Score History

The full picture

Arbuthnot Banking Group is a small, privately-focused UK bank that offers personal banking, savings accounts, loans, and wealth management services. It serves wealthy individuals, families, and small businesses, mainly through its subsidiary Arbuthnot Latham, which has operated as a private bank for over 180 years. The group also owns a stake in Secure Trust Bank, which provides consumer lending and business finance.

The company makes money primarily through interest income on loans and deposits, plus fees from wealth management and financial planning services. It operates almost entirely in the United Kingdom, with offices in London and a few regional locations, making it a niche player in the UK private banking market. Its long history and focus on personal relationships give it some loyalty among wealthy clients, but its very small size limits its ability to compete with larger banks, and rising funding costs or a slowdown in UK economic activity remain key risks to profitability.

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+72.0% YoY

YoY Growth Rate

Revenue accelerating

EPS Growth

+16.3% YoY

YoY Growth Rate

Steady EPS growth

Insider Activity

61.1%ownership

↓ Declining

Insider ownership declining — could be dilution or selling

Cash Position

Cash flow positive

£4.8B cash & investments

Quarterly Free Cash Flow

↑ Burn rate improving

Company generates more cash than it spends — no dilution risk from fundraising

Revenue accelerating

Arbuthnot Banking Group grew revenue 72% year-over-year and the growth rate is speeding up. That's the kind of momentum growth investors look for — the question is whether margins can follow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Bank Quality

Not applicable for this business.

Growth

Sales growth

Sales YoY

+19.5%

Fast-growing sales (+19.5% YoY)

Profit growth

EPS YoY

+15.8%

Earnings growing fast (+15.8% YoY)

Healthy double-digit earnings growth — what compounders look like.

How steady the profit is

EPS Consistency

5/8 quarters

Mixed — about half the quarters showed growth

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Capital Strength

Not applicable for this business.

Asset Quality

Not applicable for this business.

Valuation

Price vs profit

P/E Ratio (TTM)

7.0x

no trend

Attractive valuation — P/E 7.0

P/E under 10. The price tag is small relative to last year's profit.

Cheaper or dearer next year

P/E vs Forward

-1.5

SLOWING

Earnings expected to fall — forward P/E higher than today

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Dividends

Dividend

Dividend Yield

6.39%

no trend

Healthy income — 6.39% yield

Yield above 6% — often a flag the market is pricing in a cut.

Dividend record

Dividend Growth

+38.6%

no trend

Dividend growing fast (38.6% YoY)

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