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    Banks - Regional
Public Bank Berhad

Public Bank Berhad

PBLOF
Public Bank BerhadUS flagOther OTC
0.95
USD
- -
- -
18.44BMarket Cap
Public Bank Berhad
PBLOF
(Other OTC)

Recent

price

0.95

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
0.1
0.1
0.11
0.56
0.57
0.58
0.65
0.69
0.67
0.72
- -
0.76
Revenue per Share
0.16
0.19
0.2
0.21
0.25
0.05
0.05
0.06
0.29
0.28
0.25
0.29
0.32
0.34
0.37
- -
0.37
Basic EPS, GAAP
-0.3
-0.84
0.12
0.33
0.53
0.08
0.01
0.08
0.6
0.03
0.74
0.34
0.46
-0.16
0.42
- -
0.05
Free Cash Flow per Basic Share
0.07
0.09
0.09
0.1
0.11
0.02
0.02
0.02
0.13
0.14
0.08
0.21
0.2
0.14
0.2
- -
0.22
Dividend per Share
0.19
0.19
0.19
0.19
0.21
0.04
0.04
0.35
1.95
2.06
2.27
2.39
2.51
2.67
2.79
- -
2.89
Book Value per Share
0.62
0.77
0.89
1.01
1.47
0.31
0.34
0.37
2.05
2.18
2.37
2.42
2.52
2.77
2.92
- -
3.03
Tangible Book Value per Share
18,887
18,918
18,918
18,918
18,260
96,537
96,537
96,537
19,363
19,411
19,411
19,411
19,411
19,411
19,402
- -
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
77,449
74,584
74,403

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
- -
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
- -
2026
0.13
- -
- -
- -
- -
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Business
Public Bank Berhad (PBLOF) is a Kuala Lumpur-based financial institution founded in 1966 that provides a comprehensive range of banking and financial services primarily focused on retail and commercial customers in Malaysia and select Asia-Pacific markets. The bank offers personal banking products including deposits, residential mortgages, personal loans and credit cards; commercial banking solutions such as SME financing, corporate lending and hire purchase financing; Islamic banking through Public Islamic Bank; investment banking, share broking and unit trust management via Public Mutual Berhad; trustee and nominee services; as well as bancassurance, general insurance through Lonpac Insurance Bhd and family takaful products. It maintains market-leading positions in key domestic segments like residential property financing (20.1% share), hire purchase (32.5% share), commercial property financing (32.0% share) and private unit trusts (33.9% share), while leveraging digital platforms such as the MyPB app and PB Enterprise for enhanced customer access. The group operates over 260 branches in Malaysia, with international subsidiaries including Public Bank (Hong Kong) Limited (79 branches), Cambodian Public Bank Plc (30 branches), Public Bank Vietnam Limited (12 branches), Public Bank Lao Ltd (4 branches), branches in China and Sri Lanka, serving more than 9 million customers across these regions. Recent developments include the completion of a RM1.72 billion acquisition of a 44.15% controlling stake in LPI Capital Bhd in December 2024 to expand general insurance offerings and enable cross-selling synergies with its 3,000-agent network; the establishment of Public Bank Securities Vietnam Company Limited to introduce securities trading services; conversion of Laos operations into a wholly-owned subsidiary as Public Bank Lao Ltd in January 2024; launch of innovative products like the PB Scholar Debit Card in March 2025 with Universiti Tunku Abdul Rahman and the Halal Engage Program offering RM1.0 billion in Shariah-compliant financing for halal SMEs in March 2025; and sustained loan growth targeting 5-6% amid strong SME approvals up 41% year-on-year in 2024, alongside a 9.6% revenue increase to RM22.08 billion for the nine months ended September 2025.