Stock PBBANK PUBLIC BANK
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Financials Public Bank

Equities

PBBANK

MYL1295OO004

Banks

End-of-day quote BURSA MALAYSIA
Other stock markets
 06:00:00 2024-04-25 pm EDT 		5-day change 1st Jan Change
4.21 MYR -0.47% Intraday chart for Public Bank +1.45% -1.86%
Feb. 29 Public Bank's Profit Drops in Q4 Despite Improved Revenue MT
Feb. 28 Public Bank Berhad Announces Second Interim Dividend for the Financial Year Ended December 31, 2023, Payable on 22 March 2024 CI

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 75,469 79,972 80,748 83,854 83,272 81,719 - -
Enterprise Value (EV) 1 75,469 79,972 80,748 83,854 83,272 81,719 81,719 81,719
P/E ratio 13.7 x 16.4 x 14.3 x 13.7 x 12.5 x 11.6 x 11.1 x 10.5 x
Yield 3.76% 3.16% 3.65% 3.94% - 4.74% 5.01% 5.22%
Capitalization / Revenue 6.8 x 7.07 x 6.44 x 6.24 x 6.36 x 5.91 x 5.67 x 5.38 x
EV / Revenue 6.8 x 7.07 x 6.44 x 6.24 x 6.36 x 5.91 x 5.67 x 5.38 x
EV / EBITDA - - - - - - - -
EV / FCF - - - - - - - -
FCF Yield - - - - - - - -
Price to Book 1.73 x 1.7 x 1.68 x 1.67 x - 1.41 x 1.33 x 1.25 x
Nbr of stocks (in thousands) 19,410,692 19,410,692 19,410,692 19,410,692 19,410,692 19,410,692 - -
Reference price 2 3.888 4.120 4.160 4.320 4.290 4.210 4.210 4.210
Announcement Date 2/26/20 2/25/21 2/25/22 2/27/23 2/28/24 - - -
1MYR in Million2MYR
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net sales 1 11,102 11,312 12,544 13,438 13,093 13,818 14,417 15,187
EBITDA - - - - - - - -
EBIT 1 7,283 7,403 8,579 9,203 8,678 9,145 9,633 10,266
Operating Margin 65.6% 65.44% 68.39% 68.48% 66.28% 66.18% 66.82% 67.6%
Earnings before Tax (EBT) 1 7,134 6,285 7,367 8,831 8,539 9,072 9,500 10,005
Net income 1 5,512 4,872 5,657 6,119 6,649 7,032 7,280 7,664
Net margin 49.64% 43.07% 45.09% 45.54% 50.79% 50.89% 50.49% 50.47%
EPS 2 0.2840 0.2510 0.2914 0.3153 0.3426 0.3625 0.3794 0.4005
Free Cash Flow - - - - - - - -
FCF margin - - - - - - - -
FCF Conversion (EBITDA) - - - - - - - -
FCF Conversion (Net income) - - - - - - - -
Dividend per Share 2 0.1460 0.1300 0.1520 0.1700 - 0.1994 0.2111 0.2197
Announcement Date 2/26/20 2/25/21 2/25/22 2/27/23 2/28/24 - - -
1MYR in Million2MYR
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 Q3 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4 2025 Q1
Net sales 1 3,071 3,053 4,887 3,177 3,462 3,650 3,303 3,211 3,318 3,260 3,331 3,422 3,499 3,577 3,608
EBITDA - - - - - - - - - - - - - - -
EBIT 1 2,095 2,092 - 2,105 - - 2,209 2,113 2,197 2,158 2,168 - - - -
Operating Margin 68.21% 68.52% - 66.24% - - 66.88% 65.8% 66.22% 66.21% 65.08% - - - -
Earnings before Tax (EBT) 1 1,766 1,806 2,000 2,023 2,287 2,521 2,209 2,095 2,167 2,068 2,153 2,201 2,260 2,335 2,258
Net income 1 1,361 1,381 1,399 1,417 1,590 1,714 1,714 1,619 1,701 1,615 1,688 1,737 1,783 1,842 1,820
Net margin 44.33% 45.23% 28.62% 44.59% 45.94% 46.95% 51.89% 50.4% 51.27% 49.55% 50.67% 50.75% 50.95% 51.51% 50.44%
EPS 2 0.0701 0.0711 0.0721 0.0730 0.0819 0.0883 0.0883 0.0834 0.0876 0.0832 0.0870 0.0902 0.0914 0.0940 0.0938
Dividend per Share 2 - 0.0770 - 0.0800 0.0400 0.0500 - 0.0900 - - - 0.0881 - 0.1121 -
Announcement Date 11/29/21 2/25/22 5/30/22 8/29/22 11/30/22 2/27/23 5/25/23 8/29/23 11/29/23 2/28/24 - - - - -
1MYR in Million2MYR
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net Debt - - - - - - - -
Net Cash position - - - - - - - -
Leverage (Debt/EBITDA) - - - - - - - -
Free Cash Flow - - - - - - - -
ROE (net income / shareholders' equity) 13% 10.7% 11.9% 12.4% - 12.7% 12.6% 12.6%
ROA (Net income/ Total Assets) 1.29% 1.1% 1.24% 1.28% - 1.33% 1.33% 1.35%
Assets 1 426,261 442,038 456,983 478,049 - 527,833 547,310 569,522
Book Value Per Share 2 2.250 2.430 2.480 2.590 - 2.990 3.170 3.350
Cash Flow per Share - - - - - - - -
Capex - - - - - - - -
Capex / Sales - - - - - - - -
Announcement Date 2/26/20 2/25/21 2/25/22 2/27/23 2/28/24 - - -
1MYR in Million2MYR
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for Public Bank

Trading Rating
Investor Rating
ESG Refinitiv
A-
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
17
Last Close Price
4.21 MYR
Average target price
4.778 MYR
Spread / Average Target
+13.50%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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