Arbuthnot Banking AI Stock Analysis
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Arbuthnot Banking (ARBB) AI Stock Analysis
Arbuthnot Banking
(LSE:ARBB)
The score is driven mainly by improving (but still uneven) financial performance—especially stronger revenue/profitability versus earlier years and materially lower debt in 2025—plus an attractive valuation with a low P/E and high dividend yield. Technical indicators are supportive but largely neutral, limiting upside contribution.
Arbuthnot Banking (ARBB) vs. iShares MSCI United Kingdom ETF (EWC)
- Market Cap
- GBP 141.63M
- Dividend Yield
- 6.29%
- Average Volume (3M)
- 32.58K
- Price to Earnings (P/E)
- 7.5
- 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 primarily makes money through its banking activities. The core revenue stream is interest income: it pays interest (and incurs funding costs) on customer deposits and other funding sources, and earns interest on loans and othe...
Arbuthnot Banking Financial Statement Overview
Summary
Financial performance is improving but not consistently strong. Revenue growth has been solid over multiple years and profitability has recovered versus earlier losses, while 2025 leverage improved materially due to a sharp reduction in debt. Offsetting this, net income has been uneven year-to-year and cash generation has been volatile, with a large free-cash-flow drop in 2025 versus 2024 and historically weak/negative periods.
Income Statement
73PositiveBalance Sheet
67PositiveCash Flow
56Neutral| 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 875.00 is above the 20-day moving average (MA) of 827.25, above the 50-day MA of 806.70, and above the 200-day MA of 810.81, indicating a bullish trend. The MACD of 15.17 indicates Negative momentum. The RSI at 74.59 is Negative, neither overbought nor oversold. The STOCH value of 82.23 is Negative, 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:PAG74Outperform- GB:ARBB70.25Outperform
GB:MTRO68Neutral
GB:NBS67.2Neutral
GB:STB52Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| GB:PAG | 74Outperform | GBP 1.36B | 8.23 | 11.98% | 5.99% | -6.82% | -7.03% |
| GB:ARBB | 70Outperform | GBP 139.20M | 7.48 | 6.84% | 6.29% | -6.35% | 16.23% |
| GB:MTRO | 68Neutral | GBP 1.20B | 24.56 | 7.00% | ― | 0.76% | -49.33% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| GB:NBS | 67Neutral | GBP 1.32B | 1.07 | 5.68% | ― | 7.19% | -54.08% |
| GB:STB | 52Neutral | GBP 260.49M | 10.96 | 6.44% | 2.52% | -8.35% | 5.35% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| GB:ARBB | Arbuthnot Banking | 875.00 | 34.55 | 4.11% | |
| GB:BGEO | Bank of Georgia Group Plc | 13720.00 | 6021.05 | 78.21% | |
| GB:MTRO | Metro Bank | 196.00 | 89.40 | 83.86% | |
| GB:NBS | Nationwide Building Society | 12450.00 | -600.00 | -4.60% | |
| GB:PAG | Paragon Banking | 757.50 | -17.37 | -2.24% | |
| GB:STB | Secure Trust Bank | 1434.00 | 455.07 | 46.49% |
Arbuthnot Banking Corporate Events
Arbuthnot Banking Group Lifts Profit Outlook on Strong Q3 Growth
PositiveArbuthnot Banking Group reported robust third-quarter trading, with customer loans and leased assets rising 12% to £2.5bn, deposits up 10% to £4.9bn and funds under management and administration climbing 21% to £3.1bn over the past 12 months. Broad-b...
Arbuthnot Banking Chairman Sir Henry Angest Lifts Stake to 60% Voting Control
PositiveArbuthnot Banking Group PLC has disclosed that its Chairman and Chief Executive, Sir Henry Angest, purchased 20,000 ordinary shares in the company on 29 September 2026 via the London Stock Exchange. The transaction, conducted at a price of £8.008 per...
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: Nov 04, 2026