1. Malaysia Stocks

  2. •

    Financial Services

  3. •

    Banks - Regional
Public Bank Berhad

Public Bank Berhad

1295.KL
Public Bank BerhadMY flagMalaysian Stock Exchange
4.93
MYR
+0.02
- -
95.69BMarket Cap
Public Bank Berhad
1295.KL
(Malaysian Stock Exchange)

Recent

price

4.93

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
0.36
0.39
0.41
0.43
0.47
0.49
0.52
0.56
0.56
0.57
0.58
0.65
0.69
0.67
0.72
0.76
0.76
Revenue per Share
0.16
0.19
0.2
0.21
0.25
0.26
0.27
0.28
0.29
0.28
0.25
0.29
0.32
0.34
0.37
0.37
0.37
Basic EPS, GAAP
-0.3
-0.84
0.12
0.33
0.53
0.42
0.06
0.42
0.6
0.03
0.74
0.34
0.46
-0.16
0.42
0.17
0.05
Free Cash Flow per Basic Share
0.07
0.09
0.09
0.1
0.11
0.11
0.12
0.12
0.13
0.14
0.08
0.21
0.2
0.14
0.2
0.22
0.22
Dividend per Share
0.19
0.19
0.19
0.19
0.21
0.2
0.2
1.77
1.95
2.06
2.27
2.39
2.51
2.67
2.79
2.93
2.89
Book Value per Share
0.62
0.77
0.89
1.01
1.47
1.55
1.7
1.87
2.05
2.18
2.37
2.42
2.52
2.77
2.92
3.07
3.03
Tangible Book Value per Share
18,887
18,918
18,918
18,918
18,260
19,307
19,307
19,307
19,363
19,411
19,411
19,411
19,411
19,411
19,402
19,313
19,313
Basic Weighted Avg Shares
6,838
7,409
7,744
8,158
8,672
9,544
9,955
10,746
10,840
11,101
11,307
12,543
13,432
13,095
14,010
14,697
14,746
Sales/Revenue/Turnover
58.71
- -
69.55
65.09
66.98
68.01
65.84
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
149
146
167
161
159
181
206
224
233
357
369
368
376
368
337
371
376
Depreciation Expense
3,099
3,684
3,827
4,065
4,519
5,062
5,207
5,470
5,591
5,512
4,872
5,657
6,119
6,649
7,147
7,224
7,231
Net Income, GAAP
24.16
23.65
23.34
22.68
21.51
21.11
19.63
22.07
20.23
21.79
21.52
22.22
30.14
22.06
21.41
22.38
22.39
Effective Tax Rate (%)
45.32
49.73
49.42
49.83
52.11
53.04
52.3
50.9
51.57
49.65
43.09
45.1
45.56
50.78
51.01
49.15
49.04
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
8,095
11,412
10,008
10,396
11,564
11,756
11,553
12,476
13,532
13,405
13,344
11,780
12,936
12,048
11,933
13,556
15,217
LT Debt
13,685
16,510
18,718
21,197
28,875
32,308
35,364
38,446
42,096
44,746
48,427
49,425
51,526
56,380
59,930
62,442
61,578
Total Equity
16.25
- -
14.2
13.32
12.46
11.95
11.42
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
87.74
104.31
108.35
115.08
121.9
130.4
134.12
28.77
15.56
14.19
11.6
12.5
12.86
13.23
13.47
13.03
13.19
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
19,411
19,411
19,411
Market Capitalization
83,697
87,683
90,387

Working Capital

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
20,776
21,270
22,330
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
6.84%
5.24%
4.19%
Free Cash Flow
191.28%
-113.56%
-59.43%
Net Income, GAAP
3.86%
8.3%
1.08%
Sales/Revenue/Turnover
4.48%
5.48%
4.9%
Total Cash Common Dividend
15.6%
34.65%
6.96%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
3,380
3,411
3,578
3,641
14,010
2025
3,601
3,653
3,724
3,720
14,697
2026
3,650
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.09
0.09
0.1
0.09
0.37
2025
0.09
0.09
0.1
0.1
0.37
2026
0.09
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.1
- -
0.1
- -
0.2
2025
0.12
- -
0.11
-0.01
0.22
2026
0.13
- -
- -
- -
- -
Similar Companies
First Pacific Bancorp (FPBC)
First Capital, Inc. (FCAP)
Nicolet Bankshares, Inc. (NCBS)
Texas Capital Bancshares, Inc. (TCBIO)
Commerce Bancshares, Inc. (CBSH)
Altabancorp (ALTA)
Business
Public Bank Berhad (PBBANK: 1295.KL) operates as a premier Malaysian banking group offering a comprehensive suite of financial products and services; these encompass personal banking including deposits, credit cards, residential mortgages, and remittance services; commercial banking focused on small and medium-sized enterprises (SMEs) with credit facilities and business loans; hire purchase financing primarily for passenger vehicles; Islamic banking through its subsidiary Public Islamic Bank Berhad; investment banking via Public Investment Bank; share broking; trustee and nominee services; unit trust fund sales and management through Public Mutual Berhad; bancassurance; and general insurance products following its recent expansion. Founded in 1966 and headquartered at Menara Public Bank in Kuala Lumpur, Malaysia, the bank maintains a dominant position in key domestic segments such as residential property financing (20.1% market share), hire purchase (32.5%), commercial property financing (32.0%), and SME financing (17.9%), while emphasizing organic growth in retail consumer and SME lending. Public Bank Berhad extends its operations across Southeast Asia and beyond, with branches and subsidiaries in Hong Kong (Public Bank (Hong Kong) Limited), Cambodia (Cambodian Public Bank Plc), Vietnam (Public Bank Vietnam Limited), Laos (Public Bank Lao Ltd), China, and Sri Lanka; it serves over 9 million customers through a network of 259 branches in Malaysia and additional regional outlets. In recent developments, the group completed the acquisition of a 44.15% controlling stake in LPI Capital Bhd for RM1.72 billion at the end of 2024, enhancing its general insurance capabilities and non-interest income streams through cross-selling opportunities with LPI's network; it also established Public Bank Securities Vietnam Ltd to broaden securities trading services in Vietnam and converted its Laos operations into a wholly-owned subsidiary, Public Bank Lao Ltd, on January 1, 2024, advancing its universal banking model and regional expansion. The bank continues to innovate with product launches such as the PB Scholar Debit Card in 2025 for students, the Halal Engage Program offering RM1.0 billion in Shariah-compliant financing for halal SMEs, and preferential EV financing partnerships, while achieving pre-tax profit growth to RM7.10 billion for the nine months ended September 2025 amid sustained loan expansion of 5-6%.