19 October 2026

strategyland.uk

TBC Bank Group PLC (TBCG)

Rank #14 of 280 - Financials - UK Equities

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TBC Bank Group PLC

TBCG.L·Financials·Market Cap £2.7b

Rank #14 of 280

Quantitative Model · 280 Stocks Analysed

£48.46

+19.36% YTD

52W: £36.15 - £54.90

Factor Analysis Summary

Editorial assessment generated from TBC Bank Group PLC's live factor scores and sector positioning.

Based on Strategyland's proprietary 7-factor analysis, TBC Bank Group PLC (TBCG.L) currently holds an overall rank of #14 out of 280 FTSE 100 constituents, reflecting its weighted composite score across liquidity, valuation, profitability, solvency, asset efficiency, market trading, and technical dimensions.

Key strengths include technical (RSI 27.4), where it demonstrates positive technical momentum with price action supporting a constructive trend; liquidity, where it demonstrates exceptional market liquidity with deep trading volumes that support efficient entry and exit; and profitability (ROE 23.8%, net margin 42.6%), where it demonstrates strong profitability metrics, ranking in the top quartile for earnings quality and return on capital.

Areas requiring attention include solvency (debt/equity 1.5), where higher debt levels or weaker coverage ratios raise solvency concerns, as well as asset efficiency, where poor capital efficiency suggests assets may be underutilised or overvalued on the balance sheet.

Within the Financials sector, TBC Bank Group PLC sits at composite rank #14, trailing the Financials peer average (rank 8). Among 7 Financials names in our coverage, it ranks above 1 peer and below 5.

With a composite rank in the top decile (better than 95% of the universe) and 4 factors in the top quartile, TBC Bank Group PLC presents a broadly attractive multi-factor profile, led by technical and tempered only by solvency.

Strongest Factors

Technical — Rank 18/280 (top quartile)
Liquidity — Rank 29/280 (top quartile)
Profitability — Rank 38/280 (top quartile)

Weakest Factors

Solvency — Rank 257/280 (below average)
Asset Efficiency — Rank 215/280 (below average)

Score Analysis

TBC Bank Group PLC is ranked #14 out of 280 UK stocks. Lower factor scores indicate better performance in that category.

Factor Breakdown

106/280

Average Score

Liquidity

Excellent29/280

Valuation

Excellent55/280

Profitability

Excellent38/280

Solvency

Weak257/280

Asset Efficiency

Weak215/280

Mkt Trading

Fair129/280

Technical

Excellent18/280

1. Liquidity

Score: 29/280

How liquid is TBCG and can it meet its short-term obligations?

0/6

liquidity criteria met

Metric

Sector Range

Value

Rank

–

Quick Ratio

N/A

Range: N/A

–

Current Ratio

N/A

Range: N/A

–

TTM Operating Cash Flow

N/A

Range: N/A

✗

Liquidity Coverage Ratio

100-150

1.28xRank 11/280

Range: 100-150Rank 11/280

✗

Intangible Asset Ratio

10 - 30

0.02xRank 133/280

Range: 10 - 30Rank 133/280

–

Cash-to-Debt Ratio

N/A

0.50xRank 86/280

Range: N/ARank 86/280

Key Liquidity Metrics

Quick Ratio

N/A

Sector: N/A

Current Ratio

N/A

Sector: N/A

Overall Liquidity Rank

Rank within universe#29/280

Best (1)Worst (280)

2. Valuation

Score: 55/280

Is TBCG undervalued compared to its peers and fair value metrics?

3/7

valuation criteria met

Metric

Sector Range

Value

Rank

✗

FY27e P/E

8x - 18x

5.2xRank 6/280

Range: 8x - 18xRank 6/280

✗

FY26e P/E

8x - 18x

6.0xRank 5/280

Range: 8x - 18xRank 5/280

✗

FY27e Net Div Yld (%)

3.0 - 8.0

23.32%Rank 5/280

Range: 3.0 - 8.0Rank 5/280

✓

Div Payout Ratio

30 - 55

34.46%Rank 50/280

Range: 30 - 55Rank 50/280

–

Current EV/EBITDA

N/A

7.0xRank 104/280

Range: N/ARank 104/280

✓

Current P/TBV

0.8x - 2.0x

1.53xRank 112/280

Range: 0.8x - 2.0xRank 112/280

✓

Current P/B

0.8x - 2.0x

1.32xRank 129/280

Range: 0.8x - 2.0xRank 129/280

Key Valuation Metrics

TTM P/E

Price-to-Earnings

6.3x

FY26e P/E

Forward estimate

6.0x

FY27e P/E

Forward estimate

5.2x

Current P/B

Price-to-Book

1.32x

Current P/TBV

Tangible Book Value

1.53x

Current EV/EBITDA

Enterprise Value

7.0x

FY26e EV/EBITDA

Forward estimate

N/A

FY27e EV/EBITDA

Forward estimate

N/A

Dividend

TBCG pays a dividend yield of 5.95%.

Current Yield

5.95%

FY27e Net Div Yield

23.32%

FY26e Gross DPS

9.900

FY27e Gross DPS

11.300

Dividend Per Share Forecast

3. Profitability

Score: 38/280

How profitable is TBCG relative to its peers?

1/7

profitability criteria met

Metric

Sector Range

Value

Rank

✗

TTM Profit Margin

15 - 30

42.6%Rank 80/280

Range: 15 - 30Rank 80/280

–

T12 FCF Margin

N/A

48.1%Rank 1/280

Range: N/ARank 1/280

✗

FY27e RoE

10 - 16

23.6%Rank 64/280

Range: 10 - 16Rank 64/280

✓

FY26 EPS Growth

8 - 15

13.8%Rank 77/280

Range: 8 - 15Rank 77/280

✗

FY27e EPS Growth

6 - 12

31.4%Rank 65/280

Range: 6 - 12Rank 65/280

✗

NIM

1.5 - 3.2

0.07%Rank 3/280

Range: 1.5 - 3.2Rank 3/280

–

Expense Ratio

50 - 65

N/A

Range: 50 - 65

TTM Profit Margin

42.6%

Current RoCE

23.8%

FY27e RoE

23.6%

T12 FCF Margin

48.1%

EPS Growth

4. Solvency

Score: 257/280

How strong is TBCG's balance sheet and financial position?

1/6

solvency criteria met

Metric

Sector Range

Value

Rank

✓

Debt/Eqt

0.5x - 1.5x

1.49xRank 222/280

Range: 0.5x - 1.5xRank 222/280

–

Interest Coverage Ratio

N/A

Rank 244Rank 244/280

Range: N/ARank 244/280

–

Net Leverage Ratio

N/A

Range: N/A

–

Altman Z-Score (Manufacturing)

N/A

N/ARank 240/280

Range: N/ARank 240/280

–

Z-Score (Non Manufacturing)

N/A

Rank 246Rank 246/280

Range: N/ARank 246/280

✗

CapAdeq Ratio Tier1

13 - 18

0.20Rank 2/280

Range: 13 - 18Rank 2/280

Key Solvency Metrics

Debt/Eqt

1.49x

Net Leverage Ratio

N/A

Interest Coverage

Rank 244

T12 FCF Margin

48.1%

Altman Z-Score

N/A

Distress Zone

01.812.995+

5. Asset Efficiency

Score: 215/280

How efficiently does TBCG deploy its assets and intellectual capital?

0/5

asset efficiency criteria met

Metric

Sector Range

Value

Rank

–

Efficiency Ratio

50 - 70

Rank 9Rank 9/280

Range: 50 - 70Rank 9/280

–

TTM Asset Turnover Ratio

N/A

0.08xRank 226/280

Range: N/ARank 226/280

✗

TTM CAPEX/Sales

1 - 3

13.1%Rank 46/280

Range: 1 - 3Rank 46/280

–

Working Capital Turnover

N/A

Range: N/A

–

R&D/Sales FY27e

N/A

Range: N/A

Overall Asset Efficiency Rank

Rank within sector peers#215/280

Best (1)Worst (280)

6. Market Trading

Score: 129/280

How liquid and actively traded is TBCG?

1/2

market trading criteria met

Metric

Sector Range

Value

Rank

✗

Intraday Sentiment (%)

40 - 75

38.0%Rank 159/280

Range: 40 - 75Rank 159/280

–

10D-Avg v/s 3M-Avg Vol

N/A

102%Rank 50/280

Range: N/ARank 50/280

✓

Avg Directional Index 30D

012 - 45

18.6Rank 155/280

Range: 012 - 45Rank 155/280

–

Parabolic SAR

N/A

4796.00Rank 18/280

Range: N/ARank 18/280

–

Stock Rating Rank

N/A

Rank 100Rank 100/280

Range: N/ARank 100/280

Market Cap

£2,699,091,920

Enterprise Value

£4,859,645,217

Trading Volume

7. Technical

Score: 18/280

What do the technical indicators say about TBCG?

0/5

technical criteria met

Metric

Chart

Sector Range

Value

Rank

–

CMP v/s 52-WH

£54.90£36.15

-11.7%CMP: £48.46

N/A

-11.7%Rank 140/280

£54.90£36.15

-11.7%CMP: £48.46

Range: N/ARank 140/280

–

CMP v/s 52-WL

£54.90£36.15

+34.1%CMP: £48.46

N/A

34.1%Rank 179/280

£54.90£36.15

+34.1%CMP: £48.46

Range: N/ARank 179/280

–

RSI 14D

027.4 - Oversold100

N/A

27.4Rank 100/280

027.4 - Oversold100

Range: N/ARank 100/280

–

MA50 - MA200

£46.01+4.40£50.41

N/A

BullishRank 11/280

£46.01+4.40£50.41

Range: N/ARank 11/280

–

MACD Rank

Golden Cross

MACD: -62.71

N/A

-62.71

Golden Cross

MACD: -62.71

Range: N/A

RSI (14 Day)

27.4

Oversold

0 (Oversold)50100 (Overbought)

Moving Averages

50 SMA£50.41

200 SMA£46.01

SignalGolden Cross (Bullish)

MACD-62.71

Risk Metrics

Beta

N/A

3-Yr Std Dev

N/A

5-Yr Std Dev

N/A

Peer Comparison

How does TBCG compare to other Financials stocks?

Overall Rank Comparison

Factor Score Comparison

Stock	Rank	Liquidity	Valuation	Profitability	Solvency	Mkt Trading	Technical
TBCG	#14	29	55	38	257	129	18
MUT.L	#3	128	38	24	56	27	8
RTW.L	#5	116	7	9	145	69	229
BPCR.L	#7	163	34	56	9	112	76
RCP.L	#9	179	26	22	59	13	2
AGT.L	#11	108	57	55	72	90	79
MNTN.L	#15	221	44	74	3	203	262

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RTW.L

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Methodology Note

The analysis presented for TBC Bank Group PLC is produced using Strategyland's proprietary 7-factor quantitative model, which evaluates each stock across Liquidity, Valuation, Profitability, Solvency, Asset Efficiency, Market Trading, and Technical dimensions. Individual factor scores and the composite rank reflect relative rankings within the FTSE 100 universe — a lower rank number indicates stronger performance in that category.

Underlying financial and market data is sourced from LSEG (London Stock Exchange Group) and processed through our scoring engine. Scores are recalculated as new data becomes available and should be interpreted as a systematic screening output, not a forecast of future share price performance.

This content is for informational purposes only and does not constitute investment advice, a recommendation, or an offer to buy or sell any security. Past performance and factor rankings are not indicative of future results. Please read our Risk Disclaimer before making any investment decisions.

Strategyland Research Center - strategyland.ukThis report is for informational purposes only. Not financial advice.