Equity Brief · Financial Services2026-10-27
ARBN.L·Financial Services

Arbuthnot Banking Group PLC

I · AI Analysis

The brief

Arbuthnot Banking Group provides private and commercial banking services including loans, deposits, mortgages, and foreign exchange, alongside wealth management and asset finance [Yahoo Finance]. The company also offers commercial vehicle finance, asset-based lending, and property investment services through various subsidiaries [Yahoo Finance].

Arbuthnot Banking Group is a UK-based regional bank founded in 1833, offering private and commercial banking, wealth management, and specialist finance services [Yahoo Finance]. The company recently raised its profit outlook for 2026 following double-digit growth in lending, deposits, and wealth assets [DirectorsTalk Interviews]. With a market cap of £106.1M and trading at 5.6x trailing earnings, the bank operates in a niche segment but carries concentration risks typical of smaller regional lenders [Yahoo Finance].

Arbuthnot reported £174.5M in trailing revenue through 30 June 2026 with a 10.9% net margin and trades at a low 5.6x P/E ratio [Yahoo Finance].

The brief AI analysisConfidence 5/10

Sentinellis health

Not enough data to score

Profitability

0.0/10
Net margin+10.9%· need ≥ 19.5%, the lower third of Banks - Regional in our libraryGross margin—· not applicable to this kind of companyCost-to-income+87.3%· need < 60%

Returns on capital

0.0/10
ROIC—· no dataReturn on equity+6.9%· need > 12%Return on equity+6.9%· need > 10%Return on assets+0.4%· need > 0.8%

Growth & momentum

10.0/10
Revenue growth+3.6%Operating margin trend—· no data

Balance sheet

no data
Current ratio—· not applicable to this kind of companyNet debt / EBITDA—· not applicable to this kind of companyInterest coverage—· not applicable to this kind of companyDebt / equity—· no data

Cash generation

no data
Free cash flowGBP 618.0M· not applicable to this kind of companyCash vs reported profitGBP 625.5M vs GBP 17.8M· not applicable to this kind of company

Value creation

no data
ROIC vs cost of capital—· no data

Sentinellis calculation from the published statements — not a score reported by any data source. Each category is scored on the checks that had data; missing inputs are excluded rather than counted as failures.

Market capitalisation

GBP 106.1M

Revenue (TTM)

GBP 174.5M

Explainers

How we read these numbers

Plain-English guides · no account needed

II · Recent news

What moved

2 stories · ranked by relevance

  • Company2026-10-22

    Arbuthnot Banking Group lifts 2026 profit outlook after double-digit growth in lending, deposits and wealth assets - DirectorsTalk Interviews

    DirectorsTalk Interviews

  • Company2026-10-22

    REG - Arbuthnot Banking - Third Quarter 2026 Trading Update - TradingView

    TradingView

Premium · Free with any account

As a small regional bank with a £106.1M market cap, Arbuthnot faces liquidity and funding concentration risks that larger institutions can better absorb during credit stress [Yahoo Finance].

1 of 4 risks in this report

Risks

4

Opportunities

4

Red flags

3

Leadership

4

10 more findings in the full report — free with any account.

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III · Related

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Produced 27 Oct 2026, 10:46 UTC

Figures come from company filings and market data. The Sentinellis health score and the wording attached to it are our interpretation of those figures, not numbers the company reported.

Not investment advice and not a recommendation to buy or sell. Sentinellis holds no positions in the companies it covers, takes no payment from issuers, and has no broker referral arrangements.

How every figure and score is calculated