PTSB Share Price Performance
€2.93
1.10 (60.11%)
29.1% undervalued intrinsic discount
€4.13
Fair Value
Price €2.93
AnalystHighTarget €4.13
AnalystLowTarget €2.15
AnalystConsensusTarget €3.09
Fair Value€4.13
Share Pricen/a
Narrative Update • Jun 05
Permanent TSB Group Holdings plc Stock Price
- 3 Narratives written by author
- 0 Comments on narratives written by author
- 8 Fair Values set on narratives written by author
PTSB Community Narratives
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Fair Value
·Fair Value €4.13 29.1% undervalued intrinsic discount
Digital Transformation And Irish Demographics Will Revolutionize Banking Operations
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AN
Fair Value
·Fair Value €2.15 36.3% overvalued intrinsic discount
Mortgage Overexposure And Digital Weakness Will Derail Returns
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AN
Fair Value
·Fair Value €3.09 5.1% undervalued intrinsic discount
PTSB: Rising Discount Rate And Profit Margin Pressures Will Challenge Future Performance
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Digital Transformation And Irish Demographics Will Revolutionize Banking Operations
A mid-sized Irish bank leans into digital banking and new ways to attract deposits, which could lift everyday fee income and make the business run more efficiently than many expect. But its heavy focus on home loans and a still-costly branch network leave it exposed if housing slows, competition heats up, or regulators raise the bar.Read more
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€4.13
29.1% undervalued intrinsic discount
Fair Value
Revenue
7.46% p.a.
Profit Margin
28.37%
Future PE
11.36x
Price in 2029
€5.09
Mortgage Overexposure And Digital Weakness Will Derail Returns
Key Takeaways Heavy reliance on Irish mortgages and demographic risk threaten loan growth, while macroeconomic shocks could erode income and pricing power. Digital disruption, regulatory demands, and intense competition expose the bank to margin compression and rising costs, challenging profitability.Read more
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€2.15
36.3% overvalued intrinsic discount
Fair Value
Revenue
4.13% p.a.
Profit Margin
28.42%
Future PE
6.48x
Price in 2029
€2.65
PTSB: Rising Discount Rate And Profit Margin Pressures Will Challenge Future Performance
Key Takeaways Strong economic conditions, consolidation benefits, and digital transformation are driving market share gains, revenue growth, and improved customer retention. Cost-reduction initiatives and growth in green lending position the bank for enhanced profitability and diversified, sustainable long-term earnings.Read more
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€3.09
5.1% undervalued intrinsic discount
Fair Value
Revenue
5.32% p.a.
Profit Margin
26.31%
Future PE
9.73x
Price in 2029
€3.81
Trending Discussion
Recently Updated Narratives
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PTSB: Takeover Proposal Will Support Upside Despite Mixed Broker Ratings
Fair Value: €4.13 29.1% undervalued intrinsic discount
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PTSB: Raised Fair Value And M&A Interest Will Still Leave Shares Overvalued
Fair Value: €2.15 36.3% overvalued intrinsic discount
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PTSB: Future Returns Will Reflect Takeover Process Outcomes And Margin Assumptions
Fair Value: €3.09 5.1% undervalued intrinsic discount
2 fair values setusers have set this as their fair value
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Snowflake Analysis
Permanent TSB Group Holdings plc Key Details
Last Reported Earnings
Dec 31, 2025
Next Reporting Earnings
n/a
- 0.13
- 100.00%
- 10.23%
- 83.6%
About PTSB
- Founded
- 1816
- Employees
- 3223
- CEO
- WebsiteView website
Permanent TSB Group Holdings plc operates in the retail, and small and medium sized enterprises (SME) banking sectors in the Republic of Ireland. The company offers transactional banking, lending, saving, and deposit taking services. It provides its products and services through branch network, brokers, direct, digital and SME channels. The company was founded in 1816 and is based in Dublin, Ireland.
Recent PTSB News & Updates
Narrative Update • May 13
PTSB: Takeover Offer And Mixed Ratings Will Support Upside Case
Analysts have inched their average price target on Permanent TSB Group Holdings higher, with recent moves such as a €0.10 increase at Deutsche Bank and a lift to €2.15 from €1.90 at RBC Capital reflecting updated views on fair value, risk and profitability assumptions. Analyst Commentary Recent research has sent a mixed message on Permanent TSB Group Holdings, with shifts in both ratings and price targets signaling different risk and reward views across the analyst community.
Narrative Update • Apr 28