TMBThanachart Bank Public Company Limited

TMBThanachart Bank Public Company Limited

2.72
THB
+0.02
(+0.74%)
0.23EPS
10.83P/E
215.33BMarket Cap
Feb 24Next Earn
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
0.66
0.68
0.76
0.8
0.92
0.82
0.88
0.73
0.7
0.71
0.8
0.79
0.76
0.79
Basic EPS, GAAP
0.12
0.2
0.2
0.17
0.2
0.24
0.15
0.1
0.11
0.15
0.19
0.22
0.22
0.23
Free Cash Flow per Basic Share
-0.04
-0.11
- -
-0.8
0.38
-0.04
0.35
-0.06
0.7
0.48
-0.24
0.15
1.13
1.09
Dividend per Share
0.03
0.04
0.05
0.05
0.06
0.05
0.11
0.01
0.05
0.06
0.1
0.12
0.13
0.13
Book Value per Share
1.3
1.46
1.6
1.75
1.87
2.06
2.02
2.12
2.18
2.25
2.34
2.44
2.57
2.66
Tangible Book Value per Share
1.28
1.44
1.57
1.71
1.83
2.01
1.79
1.89
1.95
2.01
2.1
2.18
2.31
2.37
Basic Weighted Avg Shares
47,667
47,742
47,819
47,887
43,831
47,949
48,624
96,374
96,464
96,664
96,876
97,269
95,877
93,463
Sales/Revenue/Turnover
31,347
32,622
36,279
38,175
40,280
39,091
42,868
70,802
67,143
68,832
77,143
77,088
72,440
73,549
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
1,106
1,215
1,178
1,254
1,340
1,425
1,730
4,312
4,802
4,145
3,809
4,142
4,517
4,599
Net Income, GAAP
5,737
9,539
9,333
8,226
8,687
11,601
7,222
10,112
10,474
14,195
18,622
21,031
20,639
21,222
Effective Tax Rate (%)
18.41
11.08
18.71
17.43
18.67
19.81
18.02
18.02
18.17
19.1
- -
- -
- -
- -
Profit Margin (%)
18.3
29.24
25.73
21.55
21.57
29.68
16.85
14.28
15.6
20.62
24.14
27.28
28.49
28.85
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
98,396
104,007
62,562
82,146
93,667
97,938
195,469
158,182
139,518
144,414
132,676
110,601
112,018
115,308
Total Equity
61,833
69,793
76,598
83,848
89,856
98,779
194,811
204,750
210,836
217,728
227,477
237,812
244,194
233,035
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
3.57
5.7
5.95
5.38
4.95
6.1
2.46
2.68
2.94
3.98
- -
- -
- -
- -
Return on Common Equity (%)
9.64
14.51
12.77
10.27
10.01
12.3
4.92
5.06
5.04
6.62
8.37
9.04
8.56
9

Capital Structure

THB

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
110,300
112,303
113,562
LT Finance Leases
1,718
- -
1,746
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
94,883
94,883
87,533
Market Capitalization
191,664
218,231
215,332

Working Capital

THB

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
319,901
184,448
327,171
Accounts Receivable, Net
8,373
8,284
8,399
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
15,333
2,794
12,231
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

THB

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
14.68%
3.59%
2.68%
Free Cash Flow
-3,215.51%
-176.85%
645.83%
Net Income, GAAP
11.09%
16.27%
-1.86%
Sales/Revenue/Turnover
8.59%
0.66%
-6.03%
Total Cash Common Dividend
49.82%
96.29%
7.64%

Quarterly Revenue

THB

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
17,600
17,312
17,172
25,017
77,088
2025
16,489
16,321
16,241
23,389
72,440
2026
16,658
17,261
- -
- -
- -

Quarterly Earnings Per Share

THB

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.06
0.06
0.05
0.05
0.22
2025
0.05
0.05
0.06
0.06
0.22
2026
0.06
0.06
- -
- -
- -

Quarterly Dividends Per Share

THB

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
0.05
- -
0.06
0.12
2025
- -
0.07
- -
0.07
0.13
2026
- -
0.07
- -
- -
- -

Company Description

CEO
Piti Tantakasem
Full Time Employees
14,939
Sector
Finance
Industry
Major banks
Address
3000 Phahon Yothin Road Bangkok BM Thailand 10900
IPO Date
Dec 23, 1983
Business
TMBThanachart Bank Public Company Limited (ttb) is a major commercial bank in Thailand that provides a comprehensive range of banking products and services to individual, small and medium-sized business, and corporate customers through its Commercial Banking and Retail Banking segments. The bank offers deposit products including basic, current, transactional, international, cash concentration, corporate liquidity, multi-currency, and savings accounts as well as term, foreign currency, and other deposits; loan products such as working capital, personal, home, auto, long-term, corporate, and credit with collateral loans, letters of guarantee, and supply chain solutions; card products comprising debit, credit, and corporate cards; and services encompassing payment and collection, liquidity management, international transactions, agency services, investment banking and advisory, business payments, hire purchase, finance lease, trade finance, foreign currency, digital and internet banking, international money transfers, trade-import and trade-export, foreign exchange risk management, mutual funds, and various insurance products including bancassurance, business protection, life and health, savings and retirement, motor, accident, travel, credit life, and critical illness coverage with online insurance options. Founded in 1957 and headquartered at 3000 Phaholyothin Road, Chatuchak, Bangkok, the bank primarily operates in Thailand with limited presence in Laos and focuses on retail and commercial markets emphasizing digital-first strategies, hyper-personalization via tools like the Delphi engine, debt consolidation programs, and financial well-being initiatives such as mindful spending, smart saving, healthy borrowing, future investing, and protection. In recent developments, the bank completed the acquisition of an additional 89.97% stake in Thanachart Securities Public Company Limited from Thanachart Capital Public Company Limited for approximately THB 2.1 billion in June 2025, increasing its ownership to 99.97% to enhance securities capabilities and competitiveness; it migrated its Delphi Personalization Engine to Databricks in 2025 for advanced AI-driven personalization and fraud prevention; expanded debt consolidation credit limits to THB 15 million and collateral types including homes and land in 2023; and following its merger with Thanachart Bank in July 2021 and name change from TMB Bank in May 2021, acquired stakes in Thanachart Insurance and Thanachart Securities in 2022 to develop integrated insurance and investment offerings.