Permanent TSB Group Holdings (PTSB) Stock Overview
Operates in the retail, and small and medium sized enterprises (SME) banking sectors in the Republic of Ireland. More details
| Snowflake Score | |
|---|---|
| Valuation | 2/6 |
| Future Growth | 4/6 |
| Past Performance | 1/6 |
| Financial Health | 6/6 |
| Dividends | 0/6 |
PTSB Community Fair Values
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Analyst Price Targets
Permanent TSB Group Holdings plc Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | €2.99 |
| 52 Week High | €3.28 |
| 52 Week Low | €2.01 |
| Beta | 0.45 |
| 1 Month Change | 2.05% |
| 3 Month Change | 2.05% |
| 1 Year Change | 44.44% |
| 3 Year Change | 39.72% |
| 5 Year Change | 130.89% |
| Change since IPO | -99.79% |
Recent News & Updates
Narrative Update • Jun 22
PTSB: Future Returns Will Hinge On Takeover Process And Earnings Execution
Analysts have trimmed their price target for Permanent TSB Group Holdings slightly to about €3.08. This reflects updated views on revenue growth potential, profit margins and the appropriate discount rate after recent mixed research commentary.
Narrative Update • Jun 05
PTSB: Takeover Proposal Will Support Upside Despite Mixed Broker Ratings
Analysts have nudged their average price target for Permanent TSB Group Holdings higher by €0.10, citing updated assumptions on revenue growth, profit margins and future P/E, which are feeding into a more refined view of the bank's earnings power. Analyst Commentary Recent research on Permanent TSB Group Holdings reflects a mix of views, but there are clear pockets of optimism that help explain the updated price targets and valuation assumptions.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
PTSB: Raised Fair Value And M&A Interest Will Still Leave Shares Overvalued
Narrative Update Analysts have lifted their price target on Permanent TSB Group Holdings from €1.90 to €2.15, citing model updates that reflect a slightly lower discount rate, adjusted revenue growth assumptions, firmer profit margin expectations, and a modest tweak to the future P/E multiple, despite mixed recent rating actions across the Street. Analyst Commentary Recent Street research on Permanent TSB Group Holdings shows a split in opinion, with some bearish analysts taking a more cautious stance even as others adjust targets upward.Narrative Update • Apr 14
PTSB: Recent Takeover Interest Will Support Upside Case At €4.13
Analysts have nudged their price targets on Permanent TSB Group Holdings higher, with recent Street research showing increases of €0.10 and €0.25. These changes reflect updated views on fair value, discount rates, revenue growth, profit margins and future P/E assumptions.Recent updates
Narrative Update • Jun 22
PTSB: Future Returns Will Hinge On Takeover Process And Earnings Execution
Analysts have trimmed their price target for Permanent TSB Group Holdings slightly to about €3.08. This reflects updated views on revenue growth potential, profit margins and the appropriate discount rate after recent mixed research commentary.Narrative Update • Jun 05
PTSB: Takeover Proposal Will Support Upside Despite Mixed Broker Ratings
Analysts have nudged their average price target for Permanent TSB Group Holdings higher by €0.10, citing updated assumptions on revenue growth, profit margins and future P/E, which are feeding into a more refined view of the bank's earnings power. Analyst Commentary Recent research on Permanent TSB Group Holdings reflects a mix of views, but there are clear pockets of optimism that help explain the updated price targets and valuation assumptions.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
PTSB: Raised Fair Value And M&A Interest Will Still Leave Shares Overvalued
Narrative Update Analysts have lifted their price target on Permanent TSB Group Holdings from €1.90 to €2.15, citing model updates that reflect a slightly lower discount rate, adjusted revenue growth assumptions, firmer profit margin expectations, and a modest tweak to the future P/E multiple, despite mixed recent rating actions across the Street. Analyst Commentary Recent Street research on Permanent TSB Group Holdings shows a split in opinion, with some bearish analysts taking a more cautious stance even as others adjust targets upward.Narrative Update • Apr 14
PTSB: Recent Takeover Interest Will Support Upside Case At €4.13
Analysts have nudged their price targets on Permanent TSB Group Holdings higher, with recent Street research showing increases of €0.10 and €0.25. These changes reflect updated views on fair value, discount rates, revenue growth, profit margins and future P/E assumptions.Narrative Update • Mar 31
PTSB: Future Returns Will Reflect Takeover Process Outcomes And Margin Assumptions
Analysts have raised the fair value estimate for Permanent TSB Group Holdings slightly to about €3.09 from €3.06, reflecting recent price target increases from firms such as Deutsche Bank and RBC Capital. Analyst Commentary Recent research updates point to a modestly higher view of Permanent TSB Group Holdings' fair value, with price targets referenced around the low €2 range and the broader fair value estimate near €3.09.Narrative Update • Mar 17
PTSB: Future Returns Will Reflect Margin Assumptions And Takeover Process Uncertainty
Analysts have nudged up their price target on Permanent TSB Group Holdings to €2.15 from €1.90, citing updated views on fair value, discount rate, profit margin assumptions and future P/E expectations. Analyst Commentary Recent research points to a higher view of fair value at €2.15 per share, even though the stock continues to carry an Underperform rating.Narrative Update • Mar 03
PTSB: Takeover Interest Will Support Upside Case At €4.23 Fair Value
Analysts have adjusted their price target for Permanent TSB Group Holdings to €4.23, highlighting updated assumptions around discount rates, revenue growth, profit margins and future P/E expectations. What's in the News Permanent TSB Group Holdings is reported to be targeting late March for second round takeover offers, with the process described as being at a sensitive stage.Narrative Update • Feb 17
PTSB: Slightly Higher Discount Rate Will Still Leave Shares Looking Overvalued
Analysts have adjusted their price target for Permanent TSB Group Holdings to €1.90 from €1.90, reflecting slightly updated assumptions around discount rate, revenue growth, profit margin and forward P/E that leave their overall valuation view broadly unchanged. Valuation Changes Fair Value: €1.90 remains unchanged, indicating no shift in the overall fair value estimate.Narrative Update • Feb 02
PTSB: Higher Discount Rate Assumptions Will Likely Fail To Justify Current Pricing
Analysts have lifted their price targets on Permanent TSB Group Holdings, with recent moves from €1.60 to €1.90 and from €1.50 to €3.10, citing updated views on discount rates, revenue growth, profit margin assumptions, and future P/E expectations. Analyst Commentary Recent research updates on Permanent TSB Group Holdings show higher price targets, but the tone from some bearish analysts remains cautious.Narrative Update • Jan 19
PTSB: Higher Earnings Forecasts Will Likely Fail To Justify Current Pricing
Narrative Update on Permanent TSB Group Holdings Analysts have lifted their average price expectations for Permanent TSB Group Holdings into a range around €1.90 to €3.10, reflecting updated views on revenue growth, profit margins and a slightly lower discount rate applied to future earnings. Analyst Commentary Recent Street research on Permanent TSB Group Holdings points to a mixed mood, where higher price targets sit alongside cautious ratings.Narrative Update • Jan 05
PTSB: Higher Future P/E Assumptions Will Support Repriced Upside Scenario
Analysts have raised their aggregate price target on Permanent TSB Group Holdings to about €4.23 from €3.00, citing updated assumptions on revenue growth, margins and a higher future P/E, which are in line with recent Street target changes to €1.90 and €3.10. Analyst Commentary Recent Street research has moved price targets for Permanent TSB Group Holdings higher, with several bullish analysts adjusting their models to reflect updated views on valuation and execution.Narrative Update • Dec 17
PTSB: Rising Earnings Expectations Will Likely Outpace Sustainable Share Price Upside
Analysts have increased their price target on Permanent TSB Group Holdings from EUR 1.50 to EUR 1.90, citing expectations for stronger revenue growth, expanding profit margins, and a higher sustainable valuation multiple. Analyst Commentary Bearish analysts acknowledge that the higher price targets reflect improving fundamentals, but they remain wary of the bank's ability to sustain growth and deliver consistent returns in a more competitive Irish banking landscape.Narrative Update • Dec 03
PTSB: Future Performance Will Reflect Earnings Momentum And Interest Rate Normalization Risks
Narrative Update on Analyst Price Target The analyst price target for Permanent TSB Group Holdings has been raised significantly, with expectations moving from a range closer to EUR 1.50 to 1.60 up toward approximately EUR 3.10, as analysts cite improving profitability metrics and a slightly lower perceived risk profile supporting higher valuation multiples. Analyst Commentary Recent revisions to price targets reflect a reassessment of Permanent TSB Group Holdings valuation, incorporating stronger earnings momentum and a more supportive macro backdrop, while still acknowledging execution and risk management challenges.Narrative Update • Nov 18
PTSB: Performance Will Reflect Shifts in Revenue Trends and Profit Margins
The analyst price target for Permanent TSB Group Holdings has increased significantly, rising from €2.46 to €3.00. Analysts cite improved revenue growth expectations and a slightly lower discount rate as key factors behind the upward revision.Narrative Update • Nov 01
PTSB: Rising Discount Rate And Profit Margin Pressures Will Challenge Future Performance
Narrative Update on Permanent TSB Group Holdings Analysts have raised their price target for Permanent TSB Group Holdings from €1.25 to €1.60. This reflects improved fair value estimates and an updated outlook, despite slightly moderated profit margin and revenue growth projections.Narrative Update • Aug 19
Ireland's Urbanization And Digital Adoption Will Boost Mortgage Demand
The increase in Permanent TSB Group Holdings’ future P/E ratio, with stable revenue growth forecasts, indicates a higher market confidence in earnings quality or sustainability, resulting in a consensus analyst price target upgrade from €2.16 to €2.29. What's in the News RBC Capital raised its price target for Permanent TSB to EUR 1.60 from EUR 1.25 but maintained an Underperform rating on the shares (Periodicals).
New Narrative • Mar 09
Digital Transformation And Green Lending Will Strengthen Future Mortgage And SME Opportunities
Investment in digital channels and automation enhances customer engagement, operational efficiency, and reduces costs, potentially increasing net margins and earnings.Shareholder Returns
| PTSB | IE Banks | IE Market | |
|---|---|---|---|
| 7D | -0.3% | 1.7% | -0.9% |
| 1Y | 44.4% | 44.2% | 22.9% |
Return vs Industry: PTSB matched the Irish Banks industry which returned 44.2% over the past year.
Return vs Market: PTSB exceeded the Irish Market which returned 22.9% over the past year.
Price Volatility
| PTSB volatility | |
|---|---|
| PTSB Average Weekly Movement | 1.9% |
| Banks Industry Average Movement | 3.7% |
| Market Average Movement | 3.4% |
| 10% most volatile stocks in IE Market | 5.9% |
| 10% least volatile stocks in IE Market | 1.3% |
Stable Share Price: PTSB has not had significant price volatility in the past 3 months compared to the Irish market.
Volatility Over Time: PTSB's weekly volatility (2%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1816 | 3,223 | Eamonn Crowley | www.permanenttsbgroup.ie |
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.
Permanent TSB Group Holdings plc Fundamentals Summary
| PTSB fundamental statistics | |
|---|---|
| Market cap | €1.63b |
| Earnings (TTM) | €71.00m |
| Revenue (TTM) | €694.00m |
23.0x
P/E Ratio0.7x
P/B RatioIs PTSB overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| PTSB income statement (TTM) | |
|---|---|
| Revenue | €694.00m |
| Cost of Revenue | €0 |
| Gross Profit | €694.00m |
| Other Expenses | €623.00m |
| Earnings | €71.00m |
Last Reported Earnings
Dec 31, 2025
Next Earnings Date
n/a
| Earnings per share (EPS) | 0.13 |
| Gross Margin | 100.00% |
| Net Profit Margin | 10.23% |
| Debt/Equity Ratio | 83.6% |
How did PTSB perform over the long term?
See historical performance and comparisonDividends
0.6%
Current Dividend Yield14%
Payout RatioCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/07/03 23:17 |
| End of Day Share Price | 2026/07/03 00:00 |
| Earnings | 2025/12/31 |
| Annual Earnings | 2025/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
Permanent TSB Group Holdings plc is covered by 16 analysts. 5 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Grace Dargan | Barclays |
| Amandeep Rakkar | Barclays |
| Alicia Chung | BNP Paribas |