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Arbuthnot Banking (ARBB) AI Stock Analysis
Arbuthnot Banking
(LSE:ARBB)
The overall score is primarily driven by the bank's highly attractive valuation and a de-risked balance sheet. An exceptionally low P/E ratio and strong dividend yield present significant value, while vastly reduced debt levels offer long-term financial stability. The rating is somewhat tempered by recent profitability margin compression and a largely neutral technical setup.
Arbuthnot Banking (ARBB) vs. iShares MSCI United Kingdom ETF (EWC)
- Market Cap
- GBP 132.73M
- Dividend Yield
- 6.71%
- Average Volume (3M)
- 32.25K
- Price to Earnings (P/E)
- 7.0
- Beta (1Y)
- 0.06
- Revenue Growth
- -6.35%
- EPS Growth
- 16.23%
- Country
- UK
- Employees
- 890
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
Arbuthnot Banking Business Overview & Revenue Model
Company Description
Arbuthnot Banking Group PLC, operating with its various subsidiaries, provides a comprehensive array of private and commercial banking services and products throughout the United Kingdom. Its diverse operations are structured across several key segme...
How the Company Makes Money
Arbuthnot Banking Group makes money primarily by earning net interest income and fee/commission income from its banking and lending activities. (1) Net interest income: The group takes customer deposits and other funding and uses this funding to orig...
Arbuthnot Banking Financial Statement Overview
Summary
Arbuthnot Banking exhibits a robust balance sheet with significantly reduced debt and excellent cash flow generation. However, this is partially offset by declining net income and margin compression despite impressive top-line revenue growth.
Income Statement
65PositiveBalance Sheet
85Very PositiveCash Flow
78Positive| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 296.58M | 304.30M | 229.73M | 178.25M | 160.48M | 105.41M |
| Gross Profit | 175.88M | 172.73M | 229.73M | 220.25M | 128.93M | 88.83M |
| EBITDA | 120.22M | 35.03M | 46.92M | 0 | 31.93M | 12.60M |
| Net Income | 19.01M | 17.81M | 24.85M | 35.38M | 16.46M | 6.79M |
Balance Sheet | ||||||
| Total Assets | 5.23B | 5.00B | 4.73B | 4.34B | 3.61B | 3.36B |
| Cash, Cash Equivalents and Short-Term Investments | 522.67M | 437.55M | 911.89M | -119.82M | 848.52M | 888.14M |
| Total Debt | 117.42M | 98.33M | 285.72M | 284.90M | 281.49M | 298.38M |
| Total Liabilities | 4.95B | 4.72B | 4.46B | 4.09B | 3.40B | 3.16B |
| Stockholders Equity | 279.47M | 276.40M | 266.96M | 252.44M | 211.98M | 200.88M |
Cash Flow | ||||||
| Free Cash Flow | 55.70M | 52.91M | 7.59M | -29.02M | 21.80M | -3.54M |
| Operating Cash Flow | 55.76M | 54.01M | 369.16M | -24.18M | 29.04M | 37.49M |
| Investing Cash Flow | -494.26M | -715.09M | -282.87M | -543.47M | -305.71M | -242.96M |
| Financing Cash Flow | 169.97M | 237.26M | -13.37M | 625.08M | 237.06M | 346.54M |
Arbuthnot Banking Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GB:ARBB, the sentiment is Positive. The current price of 820.00 is above the 20-day moving average (MA) of 808.13, above the 50-day MA of 798.89, and above the 200-day MA of 810.09, indicating a bullish trend. The MACD of 9.42 indicates Negative momentum. The RSI at 55.85 is Neutral, neither overbought nor oversold. The STOCH value of 62.50 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for GB:ARBB.
Arbuthnot Banking Peers Comparison
Overall Rating
- GB:ARBB75Outperform
GB:PAG68Neutral
GB:NBS67.2Neutral
GB:MTRO63Neutral
GB:STB56Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| GB:ARBB | 75Outperform | GBP 132.73M | 7.01 | 6.84% | 6.71% | -6.35% | 16.23% |
| GB:PAG | 68Neutral | GBP 1.29B | 7.82 | 11.98% | 6.31% | -6.82% | -7.03% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| GB:NBS | 67Neutral | GBP 1.32B | 1.08 | 5.68% | ― | 7.19% | -54.08% |
| GB:MTRO | 63Neutral | GBP 1.04B | 19.37 | 7.00% | ― | 0.76% | -49.33% |
| GB:STB | 56Neutral | GBP 242.40M | 10.24 | 6.44% | 2.69% | -8.35% | 5.35% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| GB:ARBB | Arbuthnot Banking | 820.00 | -27.48 | -3.24% | |
| GB:BGEO | Bank of Georgia Group Plc | 12030.00 | 4297.07 | 55.57% | |
| GB:MTRO | Metro Bank | 154.60 | 39.20 | 33.97% | |
| GB:NBS | Nationwide Building Society | 12500.00 | -550.00 | -4.21% | |
| GB:PAG | Paragon Banking | 719.00 | -60.13 | -7.72% | |
| GB:STB | Secure Trust Bank | 1340.00 | 397.11 | 42.12% |
Arbuthnot Banking Corporate Events
Arbuthnot Banking Group Switches AIM Nominated Adviser After Grant Thornton Reorganisation
NeutralArbuthnot Banking Group PLC has changed its nominated adviser on the AIM market following an internal reorganisation at Grant Thornton UK. The role moves from Grant Thornton UK LLP to Grant Thornton UK Advisory & Tax LLP, ensuring continuity of a...
Arbuthnot Banking Group Announces Board Resignation of Non-Executive Director
NeutralArbuthnot Banking Group PLC has announced that independent non-executive director Jayne Almond will step down from the company’s board, effective 1 September 2026, in order to concentrate on other professional commitments. She will simultaneous...
Arbuthnot Banking Group Hits £10bn Client Balance Target as Profits Edge Higher
PositiveArbuthnot Banking Group reported a modest rise in pre-tax profit to £11.0m for the first half of 2026, alongside higher earnings per share and an increased interim dividend, despite a lower Bank of England base rate. The group’s capital ra...
Arbuthnot Banking Group to List Non-Voting Shares on AIM to Boost Liquidity
PositiveArbuthnot Banking Group PLC will admit its existing ordinary non-voting shares to trading on AIM, with trading expected to commence around 2 June 2026, while the shares will retain their ARBN ticker and existing ISIN and SEDOL codes. The move, enable...
Arbuthnot Banking Brings Back Veteran Banker Stephen Fletcher to Board
PositiveArbuthnot Banking Group PLC has appointed Stephen Fletcher as a non-independent, non-executive director to its board, effective 1 June 2026, and he will also rejoin the board of its banking subsidiary, Arbuthnot Latham & Co., Limited. The move br...
Arbuthnot Banking Shareholders Approve All AGM Resolutions
PositiveArbuthnot Banking Group PLC announced that shareholders approved all resolutions presented at its 2026 Annual General Meeting, held on 19 May 2026. The approval of every resolution signals continued shareholder support for the company’s strateg...
Arbuthnot Banking Group posts strong early-2026 growth across lending and wealth units
PositiveArbuthnot Banking Group reported a strong start to 2026, with loan balances rising 3% to £2.32bn, deposits up 1% since year-end to £4.63bn and funds under management and administration climbing 5% to £2.80bn, a 25% increase year on yea...
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.
Date of analysis: Aug 04, 2026