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1295 (Public Bank Bhd) Stock Analysis
Buy, Hold or Sell?

Let's analyze Public Bank Bhd together

I guess you are interested in Public Bank Bhd. Buy, hold or sell? I don't know! However, I do recommend doing research before doing anything. I will help you with that.

  • 📊 Fundamental Analysis (FA) – Public Bank Bhd’s Financial Insights
  • 📈 Technical Analysis (TA) – Public Bank Bhd’s Price Targets

I'm going to help you getting a better view of Public Bank Bhd. At the end you don't have to ask anyone for trading advice. You can make your own decision, with more confidence, the odds in your favor, backed by data.

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1. Quick Overview

1.1. Quick analysis of Public Bank Bhd (30 sec.)










1.2. What can you expect buying and holding a share of Public Bank Bhd? (30 sec.)

How much money do you get?

How much money do you get?
RM0.05
When do you have the money?
1 year
How often do you get paid?
100.0%

What is your share worth?

Current worth
RM3.05
Expected worth in 1 year
RM3.20
How sure are you?
100.0%

+ What do you gain per year?

Total Gains per Share
RM0.36
Return On Investment
8.4%

For what price can you sell your share?

Current Price per Share
RM4.32
Expected price per share
RM4.0888 - RM4.42
How sure are you?
50%
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2. Detailed Analysis

2.1. Valuation of Public Bank Bhd (5 min.)




Live pricePrice per Share (EOD)
RM4.32
Intrinsic Value Per Share
RM2.48 - RM12.11
Total Value Per Share
RM5.53 - RM15.16

2.2. Growth of Public Bank Bhd (5 min.)




Is Public Bank Bhd growing?

Current yearPrevious yearGrowGrow %
How rich?$13.9b$13b$695.9m5.1%

How much money is Public Bank Bhd making?

Current yearPrevious yearGrowGrow %
Making money$426m$387.7m$38.2m9.0%
Net Profit Margin50.9%39.1%--

How much money comes from the company's main activities?

2.3. Financial Health of Public Bank Bhd (5 min.)




2.4. Comparing to competitors in the Banks - Regional industry (5 min.)




  Industry Rankings (Banks - Regional)  

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3. Summary and Key Metrics

3.1. What can you expect buying and holding a share of Public Bank Bhd?

Welcome investor! Public Bank Bhd's management wants to use your money to grow the business. In return you get a share of Public Bank Bhd.

First you should know what it really means to hold a share of Public Bank Bhd. And how you can make/lose money.

Speculation

The Price per Share of Public Bank Bhd is RM4.32. The market price reflects what other people think it is worth; not what it's really worth. Your job is to find out if the market price is fair, overpriced, or underpriced. I will help you with that.

If you buy blind, there is a 50% chance of making or losing money by selling the stock in the future. However, we can look at a few things to determine the odds in our favor:

  • The fundamentals: the financial health trends of Public Bank Bhd.
  • The technials: based on market psychology, we can make a calculated estimate of what the price will do in the future. We can do this through technical analysis. We can calculate the probabilities and the expected value (millionaire math). That's called speculation.
  • The book value: what is the market price compared to it's book value.

Investing

If you really want to invest in Public Bank Bhd, you will have to let go of the thought of selling in the future. If you have to sell the share for less than you bought it, it can still be a good investment. Focus on what it means to hold the stock forever:

  • You own a part of the company. The equity of this part can grow or shrink. The current Book Value per Share is RM3.05. Based on the TTM, the Book Value Change Per Share is RM0.04 per quarter. Based on the YOY, the Book Value Change Per Share is RM0.05 per quarter.
  • You may receive quarterly/yearly dividend in the form of additional shares.
  • You may receive quarterly/yearly dividend in the form of cash. Based on the TTM the Dividend per Share is RM0.05 per quarter.
Based on historical numbers we can estimate the returns while holding a share of Public Bank Bhd.

How much money are you going to get?

 MRQTTMYOY3Y5Y10Y
 RM% of Price per ShareRM% of Price per ShareRM% of Price per ShareRM% of Price per ShareRM% of Price per ShareRM% of Price per Share
Usd Eps0.020.5%0.020.5%0.020.5%0.020.5%0.020.4%0.020.4%
Usd Book Value Change Per Share-0.01-0.1%0.010.2%0.010.3%0.010.2%0.010.2%0.010.2%
Usd Dividend Per Share0.030.6%0.010.3%0.010.3%0.010.3%0.010.2%0.010.2%
Usd Total Gains Per Share0.020.5%0.020.5%0.020.5%0.020.5%0.020.4%0.020.4%
Usd Price Per Share1.04-1.03-0.97-1.00-1.47-3.16-
Price to Earnings Ratio12.29-11.78-12.10-12.24-22.08-48.18-
Price-to-Total Gains Ratio48.17-54.98-43.66-50.10-86.35-189.41-
Price to Book Ratio1.45-1.46-1.43-1.50-2.41-6.54-
Price-to-Total Gains Ratio48.17-54.98-43.66-50.10-86.35-189.41-

When do you get the money?

Usd Investment
$.00
Usd Price Per Share1.016928
Number of shares983
Gains per QuarterTrailing 12 Months5 Year
Usd Dividend Per Share0.010.01
Usd Book Value Change Per Share0.010.01
Usd Total Gains Per Share0.020.02
Gains per Quarter (983 shares)20.9918.71
Gains per Year (983 shares)83.9874.82
YearsReturn on Investment (TTM)Return on Investment (5Y)
 DividendBook Value gainTotal gainsDividendBook Value gainTotal gains
Broker costs---10---10
1503474403565
2100681588070140
3149103242119105215
4199137326159140290
5249171410199175365
6299205494239210440
7348240578278245515
8398274662318281590
9448308746358316665
10498342830398351740

How sure are you?

Based on the past periods, how sure are you to get value out of your investment.

Linear %
 Trailing 12 Months3Y5 Year10 YearALLTIME
  % % % % %
Earnings Per Share4.00.00.0100.0%12.00.00.0100.0%20.00.00.0100.0%40.00.00.0100.0%55.00.00.0100.0%
Book Value Change Per Share2.02.00.050.0%8.04.00.066.7%13.07.00.065.0%30.010.00.075.0%40.014.01.072.7%
Dividend per Share4.00.00.0100.0%12.00.00.0100.0%20.00.00.0100.0%40.00.00.0100.0%55.00.00.0100.0%
Total Gains per Share4.00.00.0100.0%12.00.00.0100.0%20.00.00.0100.0%40.00.00.0100.0%52.03.00.094.5%
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3.2. Key Performance Indicators

The key performance indicators of Public Bank Bhd compared to the Most Recent Quarter (MRQ).

 End of day+/-Most Recent QuarterTrailing 12 Months+/-Year-Over-Year+/-3Y+/-5 Year+/-10 Year+/-
Book Value Change Per Share---0.0230.037-162%0.047-148%0.043-154%0.038-160%0.039-159%
Book Value Per Share--3.0503.013+1%2.861+7%2.839+7%2.693+13%2.321+31%
Current Ratio---0.057-100%4.132-100%6.567-100%10.402-100%12.533-100%
Debt To Asset Ratio--0.8920.891+0%0.891+0%0.892+0%0.8930%0.899-1%
Debt To Equity Ratio--8.6138.453+2%8.412+2%8.537+1%8.611+0%9.259-7%
Dividend Per Share--0.1150.054+113%0.048+140%0.048+139%0.043+167%0.037+207%
Enterprise Value---404715060727.040-376215166985.680-7%-364251271067.760-10%-356869954278.400-12%-296121749501.296-27%-115520924354.784-71%
Eps--0.0900.093-4%0.085+6%0.087+3%0.079+13%0.075+21%
Ev To Sales Ratio---28.101-26.445-6%-21.382-24%-24.062-14%-21.039-25%-7.429-74%
Free Cash Flow Per Share--0.1990.120+66%-0.001+100%0.061+227%0.076+161%0.095+111%
Free Cash Flow To Equity Per Share--0.1990.094+112%-0.063+132%0.021+838%0.034+489%0.059+238%
Gross Profit Margin--1.0000.987+1%0.983+2%0.984+2%0.982+2%0.979+2%
Intrinsic Value_10Y_max--12.114----------
Intrinsic Value_10Y_min--2.485----------
Intrinsic Value_1Y_max--0.500----------
Intrinsic Value_1Y_min--0.246----------
Intrinsic Value_3Y_max--2.046----------
Intrinsic Value_3Y_min--0.746----------
Intrinsic Value_5Y_max--4.248----------
Intrinsic Value_5Y_min--1.250----------
Market Cap83854225244.160-2%85795295272.96085212974264.320+1%79680924682.240+8%82333720388.267+4%121229528648.704-29%260845843145.216-67%
Net Profit Margin--0.4850.509-5%0.391+24%0.458+6%0.450+8%0.481+1%
Operating Margin---0.162-100%0.323-100%0.383-100%0.459-100%0.563-100%
Operating Ratio---0.193-100%0.206-100%0.239-100%0.275-100%0.300-100%
Pb Ratio1.416-2%1.4491.457-1%1.434+1%1.498-3%2.407-40%6.542-78%
Pe Ratio12.011-2%12.28911.776+4%12.099+2%12.244+0%22.085-44%48.177-74%
Price Per Share4.320-2%4.4204.390+1%4.105+8%4.242+4%6.246-29%13.438-67%
Price To Free Cash Flow Ratio5.423-2%5.54810.223-46%0.505+998%-1.106+120%-1.284+123%-19.699+455%
Price To Total Gains Ratio47.081-2%48.17154.977-12%43.658+10%50.100-4%86.355-44%189.405-75%
Quick Ratio----0.0820%4.051-100%6.493-100%10.358-100%12.952-100%
Return On Assets--0.0030.003-6%0.003-2%0.003-4%0.003+1%0.003-3%
Return On Equity--0.0310.032-4%0.031+0%0.032-3%0.030+1%0.034-9%
Total Gains Per Share--0.0920.091+1%0.095-3%0.091+1%0.081+14%0.076+20%
Usd Book Value--13936446697.80013767571326.300+1%13071594100.950+7%12972765726.617+7%12305434307.650+13%10605370264.115+31%
Usd Book Value Change Per Share---0.0050.009-162%0.011-148%0.010-154%0.009-160%0.009-159%
Usd Book Value Per Share--0.7180.709+1%0.673+7%0.668+7%0.634+13%0.546+31%
Usd Dividend Per Share--0.0270.013+113%0.011+140%0.011+139%0.010+167%0.009+207%
Usd Enterprise Value---95269925295.145-88561050308.429-7%-85744749209.351-10%-84007187237.135-12%-69707059832.605-27%-27193625593.116-71%
Usd Eps--0.0210.022-4%0.020+6%0.020+3%0.019+13%0.018+21%
Usd Free Cash Flow--910019677.600547228848.100+66%-4395624.200+100%278114016.583+227%348329430.680+161%431994986.775+111%
Usd Free Cash Flow Per Share--0.0470.028+66%0.000+100%0.014+227%0.018+161%0.022+111%
Usd Free Cash Flow To Equity Per Share--0.0470.022+112%-0.015+132%0.005+838%0.008+489%0.014+238%
Usd Market Cap19739284622.475-2%20196212507.25520059134141.821+1%18756889670.199+8%19381357779.398+4%28537431043.905-29%61403111476.384-67%
Usd Price Per Share1.017-2%1.0401.033+1%0.966+8%0.998+4%1.470-29%3.163-67%
Usd Profit--410848328.000426015267.700-4%387744995.000+6%397484846.550+3%363225978.170+13%340500856.465+21%
Usd Revenue--847564055.800837490465.900+1%1086935312.650-22%908042749.167-7%829672031.540+2%725085818.325+17%
Usd Total Gains Per Share--0.0220.021+1%0.022-3%0.021+1%0.019+14%0.018+20%
 EOD+4 -4MRQTTM+20 -18YOY+21 -183Y+22 -175Y+25 -1410Y+24 -15

3.3 Fundamental Score

Let's check the fundamental score of Public Bank Bhd based on Penke's default stock scanner.

Penke's Stock Scanner

  
  
IndicatorConditionValue
Price to Earnings Ratio (EOD)Between0-1512.011
Price to Book Ratio (EOD)Between0-11.416
Net Profit Margin (MRQ)Greater than00.485
Operating Margin (MRQ)Greater than00.000
Quick Ratio (MRQ)Greater than10.000
Current Ratio (MRQ)Greater than10.000
Debt to Asset Ratio (MRQ)Less than10.892
Debt to Equity Ratio (MRQ)Less than18.613
Return on Equity (MRQ)Greater than0.150.031
Return on Assets (MRQ)Greater than0.050.003
Total3/10 (30.0%)

3.4 Technical Score

Let's check the technical score of Public Bank Bhd based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5050.695
Ma 20Greater thanMa 504.292
Ma 50Greater thanMa 1004.352
Ma 100Greater thanMa 2004.372
OpenGreater thanClose4.310
Total1/5 (20.0%)

4. In-depth Analysis

4.1 About Public Bank Bhd

Public Bank Berhad provides banking products and services. It operates through Hire Purchase, Retail Operations, Corporate Lending, Treasury and Capital Market Operations, Investment Banking, Fund Management, and General Insurance segments. The company's deposit products include savings, current, fixed deposit, foreign currency, and safe deposit box services. Its loan portfolio comprises home, SWIFT, working capital, SME, and other loans; overdrafts; project and vehicle financing; PB retail negotiable instruments of deposit; and credit guarantee corporation guarantee schemes and BNM funds. The company also offers Islamic banking, shares and securities brokerage, trustee services, nominee services, unit trust funds sales and management, bancassurance, and general insurance products and services. In addition, it offers mobile, internet, and self-service banking services; credit and debit card, and remittance services; investment products and services, such as structured product investment and share trading/margin financing; securities dealing and underwriting services; taxi licenses; and trades in taxi cabs, as well as leases taxis. Further, the company provides insurance products, including single premium investment-linked, family and savings, and credit life insurance products. The company operates through a network of branches and self-service terminals in Malaysia, Hong Kong, the People's Republic of China, Cambodia, Vietnam, Laos, Singapore, and Sri Lanka. It serves retail consumers, and small and medium enterprises. The company was incorporated in 1965 and is headquartered in Kuala Lumpur, Malaysia.

Fundamental data was last updated by Penke on 2025-06-27 22:45:03.

4.2 In-depth Summary

4.2.1. Financial Health Summary

Profitability Details
 Compared to previous yearCompared to industry
The company is making a huge profit.
Using its assets, the company is inefficient in making profit.
Using its investors money, the company is inefficient in making profit.
Operating Efficiency Details
 Compared to previous yearCompared to industry
The company is operating efficient.
The company is very efficient in keeping operating costs low.
Liquidity Details
 Compared to previous yearCompared to industry
The company is unable to pay all its short-term debts.
The company is unable to pay all its short-term debts with the most liquid assets.
Solvency Details
 Compared to previous yearCompared to industry
The company is just able to pay all its debts by selling its assets.
The company is unable to pay all its debts with equity.

4.2.2. Valuation Summary

Valuation Details
 Compared to previous yearCompared to industry
Based on the equity, the company is underpriced.
Based on the earnings, the company is underpriced.
Based on how much money comes from the company's main activities, the company is cheap.
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4.3 Financial Health

4.3.1. Profitability

4.3.1 Profitability
4.3.1.1. Net Profit Margin

Measures how much net profit Public Bank Bhd earns for each RM1 of revenue.

  • Above 10% is considered healthy but always compare Public Bank Bhd to the Banks - Regional industry mean.
  • A Net Profit Margin of 48.5% means that RM0.48 for each RM1 in revenue is generated as profit.

Let's take a look of the Net Profit Margin trends of Public Bank Bhd:

  • The MRQ is 48.5%. The company is making a huge profit. +2
  • The TTM is 50.9%. The company is making a huge profit. +2
Trends
Current periodCompared to+/- 
MRQ48.5%TTM50.9%-2.4%
TTM50.9%YOY39.1%+11.8%
TTM50.9%5Y45.0%+5.9%
5Y45.0%10Y48.1%-3.1%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ48.5%41.9%+6.6%
TTM50.9%31.1%+19.8%
YOY39.1%29.6%+9.5%
3Y45.8%29.0%+16.8%
5Y45.0%25.7%+19.3%
10Y48.1%22.1%+26.0%
4.3.1.2. Return on Assets

Shows how efficient Public Bank Bhd is using its assets to generate profit.

  • Above 5% is considered healthy but always compare Public Bank Bhd to the Banks - Regional industry mean.
  • 0.3% Return on Assets means that Public Bank Bhd generated RM0.00 profit for each $1 in assets.

Let's take a look of the Return on Assets trends of Public Bank Bhd:

  • The MRQ is 0.3%. Using its assets, the company is inefficient in making profit. -1
  • The TTM is 0.3%. Using its assets, the company is inefficient in making profit. -1
Trends
Current periodCompared to+/- 
MRQ0.3%TTM0.3%0.0%
TTM0.3%YOY0.3%+0.0%
TTM0.3%5Y0.3%+0.0%
5Y0.3%10Y0.3%0.0%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.3%0.2%+0.1%
TTM0.3%0.2%+0.1%
YOY0.3%0.2%+0.1%
3Y0.3%0.2%+0.1%
5Y0.3%0.2%+0.1%
10Y0.3%0.2%+0.1%
4.3.1.3. Return on Equity

Shows how efficient Public Bank Bhd is using its investors money to generate profit.

  • Above 15%-20% is considered healthy but always compare Public Bank Bhd to the Banks - Regional industry mean.
  • 3.1% Return on Equity means Public Bank Bhd generated RM0.03 for each RM1 the owners (shareholders) invested.

Let's take a look of the Return on Equity trends of Public Bank Bhd:

  • The MRQ is 3.1%. Using its investors money, the company is inefficient in making profit. -1
  • The TTM is 3.2%. Using its investors money, the company is inefficient in making profit. -1
Trends
Current periodCompared to+/- 
MRQ3.1%TTM3.2%-0.1%
TTM3.2%YOY3.1%+0.1%
TTM3.2%5Y3.0%+0.2%
5Y3.0%10Y3.4%-0.3%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ3.1%2.8%+0.3%
TTM3.2%2.2%+1.0%
YOY3.1%2.6%+0.5%
3Y3.2%2.5%+0.7%
5Y3.0%2.4%+0.6%
10Y3.4%2.6%+0.8%
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4.3.2. Operating Efficiency of Public Bank Bhd.

4.3.2. Operating Efficiency
4.3.2.1. Operating Margin

Measures how efficient Public Bank Bhd is operating .

  • Measures how much profit Public Bank Bhd makes for each RM1 of sales after paying variable costs (production costs, wages, etc) but before taxes.
  • Above 15% is considered healthy but always compare Public Bank Bhd to the Banks - Regional industry mean.
  • An Operating Margin of 0.0% means the company generated RM0.00  for each RM1 in revenue (before taxes).

Let's take a look of the Operating Margin trends of Public Bank Bhd:

  • The MRQ is 0.0%. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM16.2%-16.2%
TTM16.2%YOY32.3%-16.1%
TTM16.2%5Y45.9%-29.7%
5Y45.9%10Y56.3%-10.4%
4.3.2.2. Operating Ratio

Measures how efficient Public Bank Bhd is keeping operating costs low.

  • Below 1 is considered healthy (always compare to Banks - Regional industry mean).
  • An Operation Ratio of 0.00 means that the operating costs are RM0.00 for each RM1 in net sales.

Let's take a look of the Operating Ratio trends of Public Bank Bhd:

  • The MRQ is 0.000. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM0.193-0.193
TTM0.193YOY0.206-0.013
TTM0.1935Y0.275-0.082
5Y0.27510Y0.300-0.026
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4.4.3. Liquidity of Public Bank Bhd.

4.4.3. Liquidity
4.4.3.1. Current Ratio

Measures if Public Bank Bhd is able to pay off Short-term Debt.

  • Above 1.5 is considered healthy (always compare to Banks - Regional industry mean).
  • A Current Ratio of 0.00 means the company has RM0.00 in assets for each RM1 in short-term debts.

Let's take a look of the Current Ratio trends of Public Bank Bhd:

  • The MRQ is 0.000. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM0.057-0.057
TTM0.057YOY4.132-4.075
TTM0.0575Y10.402-10.345
5Y10.40210Y12.533-2.131
4.4.3.2. Quick Ratio

Measures if Public Bank Bhd is able to pay off Short-term Debt but only using the most liquid assets.

  • Above 1 is considered healthy but always compare Public Bank Bhd to the Banks - Regional industry mean.
  • A Quick Ratio of 0.00 means the company can pay off RM0.00 for each RM1 in debt (using most liquid assets).

Let's take a look of the Quick Ratio trends of Public Bank Bhd:

  • The MRQ is 0.000. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM-0.082+0.082
TTM-0.082YOY4.051-4.133
TTM-0.0825Y10.358-10.440
5Y10.35810Y12.952-2.594
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4.5.4. Solvency of Public Bank Bhd.

4.5.4. Solvency
4.5.4.1. Debt to Asset Ratio

Measures how much % of Public Bank Bhd assets are financed with debt.

  • Below 1 (100%) is considered healthy but always compare Public Bank Bhd to Banks - Regional industry mean.
  • A Debt to Asset Ratio of 0.89 means that Public Bank Bhd assets are financed with 89.2% credit (debt) and the remaining percentage (100% - 89.2%) is financed by its owners/shareholders. 

Let's take a look of the Debt to Asset Ratio trends of Public Bank Bhd:

  • The MRQ is 0.892. The company is just able to pay all its debts by selling its assets.
  • The TTM is 0.891. The company is just able to pay all its debts by selling its assets.
Trends
Current periodCompared to+/- 
MRQ0.892TTM0.891+0.001
TTM0.891YOY0.8910.000
TTM0.8915Y0.893-0.002
5Y0.89310Y0.899-0.006
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.8920.912-0.020
TTM0.8910.914-0.023
YOY0.8910.331+0.560
3Y0.8920.655+0.237
5Y0.8930.761+0.132
10Y0.8990.845+0.054
4.5.4.2. Debt to Equity Ratio

Measures if Public Bank Bhd is able to pay off its debts by using shareholders equity.

  • Below 2 is considered healthy but always compare Public Bank Bhd to the Banks - Regional industry mean.
  • A Debt to Equity ratio of 861.3% means that company has RM8.61 debt for each RM1 in shareholders equity.

Let's take a look of the Debt to Equity Ratio trends of Public Bank Bhd:

  • The MRQ is 8.613. The company is unable to pay all its debts with equity. -1
  • The TTM is 8.453. The company is unable to pay all its debts with equity. -1
Trends
Current periodCompared to+/- 
MRQ8.613TTM8.453+0.160
TTM8.453YOY8.412+0.041
TTM8.4535Y8.611-0.158
5Y8.61110Y9.259-0.647
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ8.61310.416-1.803
TTM8.45310.683-2.230
YOY8.4124.228+4.184
3Y8.5377.922+0.615
5Y8.6119.283-0.672
10Y9.25911.348-2.089
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4.6. Market Valuation

4.6.1. Earnings Per Share
4.6.2.1. Price to Earnings Ratio

Measures how much money you pay for each share for every RM1 in earnings Public Bank Bhd generates.

  • Above 15 is considered overpriced but always compare Public Bank Bhd to the Banks - Regional industry mean.
  • A PE ratio of 12.29 means the investor is paying RM12.29 for every RM1 in earnings.

Let's take a look of the Price to Earnings Ratio trends of Public Bank Bhd:

  • The EOD is 12.011. Based on the earnings, the company is underpriced. +1
  • The MRQ is 12.289. Based on the earnings, the company is underpriced. +1
  • The TTM is 11.776. Based on the earnings, the company is underpriced. +1
Trends
Current periodCompared to+/- 
EOD12.011MRQ12.289-0.278
MRQ12.289TTM11.776+0.513
TTM11.776YOY12.099-0.323
TTM11.7765Y22.085-10.308
5Y22.08510Y48.177-26.093
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD12.0114.419+7.592
MRQ12.2893.875+8.414
TTM11.7766.132+5.644
YOY12.0994.741+7.358
3Y12.2445.925+6.319
5Y22.0858.400+13.685
10Y48.1779.118+39.059
4.6.2.2. Price To Free Cash Flow Ratio

Let's take a look of the Price To Free Cash Flow Ratio trends of Public Bank Bhd:

  • The EOD is 5.423. Based on how much money comes from the company's main activities, the company is cheap. +2
  • The MRQ is 5.548. Based on how much money comes from the company's main activities, the company is cheap. +2
  • The TTM is 10.223. Based on how much money comes from the company's main activities, the company is cheap. +2
Trends
Current periodCompared to+/- 
EOD5.423MRQ5.548-0.126
MRQ5.548TTM10.223-4.675
TTM10.223YOY0.505+9.717
TTM10.2235Y-1.284+11.507
5Y-1.28410Y-19.699+18.415
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD5.4230.383+5.040
MRQ5.5480.336+5.212
TTM10.2230.632+9.591
YOY0.505-1.072+1.577
3Y-1.1062.007-3.113
5Y-1.2840.284-1.568
10Y-19.6990.095-19.794
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4.6.2. Book Value per Share
4.6.2.1. Price to Book Ratio

Measures if the stock price of Public Bank Bhd is to cheap or to expensive compared to its book value.

  • At or below 1 is considered healthy (always compare to Banks - Regional industry mean).
  • A PB ratio of 1.45 means the investor is paying RM1.45 for each RM1 in book value.

Let's take a look of the Price to Book Ratio trends of Public Bank Bhd:

  • The EOD is 1.416. Based on the equity, the company is underpriced. +1
  • The MRQ is 1.449. Based on the equity, the company is underpriced. +1
  • The TTM is 1.457. Based on the equity, the company is underpriced. +1
Trends
Current periodCompared to+/- 
EOD1.416MRQ1.449-0.033
MRQ1.449TTM1.457-0.008
TTM1.457YOY1.434+0.023
TTM1.4575Y2.407-0.949
5Y2.40710Y6.542-4.136
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD1.4160.492+0.924
MRQ1.4490.432+1.017
TTM1.4570.446+1.011
YOY1.4340.149+1.285
3Y1.4980.355+1.143
5Y2.4070.578+1.829
10Y6.5420.801+5.741
4.6.2. Total Gains per Share
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6. Financial Statements




6.1. Latest Balance Sheet

Balance Sheet of 2025-03-31. Currency in MYR. All numbers in thousands.

Summary
Total Assets549,713,613
Total Liabilities490,510,356
Total Stockholder Equity56,950,826
 As reported
Total Liabilities 490,510,356
Total Stockholder Equity+ 56,950,826
Total Assets = 549,713,613

Assets

Total Assets549,713,613
Total Current Assets0
Long-term Assets0
Total Current Assets
Cash And Cash Equivalents 23,509,710
Total Current Assets  (as reported)0
Total Current Assets  (calculated)23,509,710
+/- 23,509,710
Long-term Assets
Property Plant Equipment 2,467,035
Long Term Investments 88,582,442
Long-term Assets  (as reported)0
Long-term Assets  (calculated)91,049,477
+/- 91,049,477

Liabilities & Shareholders' Equity

Total Current Liabilities0
Long-term Liabilities0
Total Stockholder Equity56,950,826
Total Current Liabilities
Accounts payable 3,298,535
Total Current Liabilities  (as reported)0
Total Current Liabilities  (calculated)3,298,535
+/- 3,298,535
Long-term Liabilities
Long-term Liabilities  (as reported)0
Long-term Liabilities  (calculated)0
+/-0
Total Stockholder Equity
Retained Earnings 44,342,054
Total Stockholder Equity (as reported)56,950,826
Total Stockholder Equity (calculated)44,342,054
+/- 12,608,772
Other
Capital Stock9,417,653
Common Stock Shares Outstanding 19,410,692
Net Invested Capital 67,310,866
Property Plant and Equipment Gross 2,467,035



6.2. Balance Sheets Structured

Currency in MYR. All numbers in thousands.

 Trend2025-03-312024-12-312024-09-302024-06-302024-03-312023-12-312023-09-302023-06-302023-03-312022-12-312022-09-302022-06-302022-03-312021-12-312021-09-302021-06-302021-03-312020-12-312020-09-302020-06-302020-03-312019-12-312019-09-302019-06-302019-03-312018-12-312018-09-302018-06-302018-03-312017-12-312017-09-302017-06-302017-03-312016-12-312016-09-302016-06-302016-03-312015-12-312015-09-302015-06-302015-03-312014-12-312014-09-302014-06-302014-03-312013-12-312013-09-302013-06-302013-03-312012-12-312012-09-302012-06-302012-03-312011-12-312011-09-302011-03-31
> Total Assets 
0
0
249,410,982
254,749,870
263,280,452
270,078,137
274,624,879
287,010,922
292,641,648
299,498,569
305,725,396
312,528,998
323,656,667
331,025,242
345,721,934
353,442,073
363,631,921
362,245,303
363,758,206
372,048,099
379,839,033
385,769,467
380,052,826
389,726,359
391,062,372
394,064,298
395,276,247
398,203,650
407,575,309
414,717,494
419,693,282
421,268,365
425,678,113
427,627,893
432,830,675
438,394,314
440,635,246
450,309,651
451,256,867
455,063,707
456,244,396
461,226,949
462,739,455
470,579,003
478,812,540
481,913,097
493,262,765
498,830,493
498,504,336
508,203,318
510,597,997
519,830,471
525,572,703
526,813,662
542,863,078
549,713,613
549,713,613542,863,078526,813,662525,572,703519,830,471510,597,997508,203,318498,504,336498,830,493493,262,765481,913,097478,812,540470,579,003462,739,455461,226,949456,244,396455,063,707451,256,867450,309,651440,635,246438,394,314432,830,675427,627,893425,678,113421,268,365419,693,282414,717,494407,575,309398,203,650395,276,247394,064,298391,062,372389,726,359380,052,826385,769,467379,839,033372,048,099363,758,206362,245,303363,631,921353,442,073345,721,934331,025,242323,656,667312,528,998305,725,396299,498,569292,641,648287,010,922274,624,879270,078,137263,280,452254,749,870249,410,98200
   > Total Current Assets 
0
0
24,231,584
36,076,264
21,282,927
0
24,423,157
32,216,702
36,491,131
35,002,822
30,545,182
34,986,236
37,101,171
36,147,784
26,261,213
24,744,392
32,336,615
27,570,673
26,257,209
33,268,408
29,586,539
30,564,781
21,282,919
29,846,946
27,899,343
26,491,257
24,839,734
24,651,902
23,386,549
24,984,800
25,644,837
28,660,198
28,442,733
24,137,223
27,025,935
24,187,806
26,163,738
26,332,594
25,328,070
25,572,750
25,303,076
29,484,256
23,068,247
25,564,786
23,662,013
21,525,599
33,551,876
30,967,677
21,107,773
21,770,366
19,544,777
18,826,382
44,863,440
22,154,535
26,354,962
0
026,354,96222,154,53544,863,44018,826,38219,544,77721,770,36621,107,77330,967,67733,551,87621,525,59923,662,01325,564,78623,068,24729,484,25625,303,07625,572,75025,328,07026,332,59426,163,73824,187,80627,025,93524,137,22328,442,73328,660,19825,644,83724,984,80023,386,54924,651,90224,839,73426,491,25727,899,34329,846,94621,282,91930,564,78129,586,53933,268,40826,257,20927,570,67332,336,61524,744,39226,261,21336,147,78437,101,17134,986,23630,545,18235,002,82236,491,13132,216,70224,423,157021,282,92736,076,26424,231,58400
       Cash And Cash Equivalents 
0
0
24,231,584
34,198,147
21,282,927
0
24,423,157
30,470,280
34,585,218
32,966,897
28,556,717
32,970,493
34,870,058
34,038,363
24,297,078
22,355,787
30,096,469
25,196,408
23,663,013
30,294,399
27,050,397
28,049,008
18,738,794
27,821,023
25,920,072
24,366,054
22,583,546
22,953,782
21,451,797
22,979,255
23,894,129
26,919,070
26,715,485
22,469,730
25,532,426
22,512,678
23,820,073
23,893,142
22,665,781
23,040,435
23,030,353
27,187,005
20,563,001
23,096,033
20,976,246
19,012,702
30,476,671
28,097,652
18,526,389
18,965,001
18,654,170
16,855,368
20,033,299
22,154,535
23,119,219
23,509,710
23,509,71023,119,21922,154,53520,033,29916,855,36818,654,17018,965,00118,526,38928,097,65230,476,67119,012,70220,976,24623,096,03320,563,00127,187,00523,030,35323,040,43522,665,78123,893,14223,820,07322,512,67825,532,42622,469,73026,715,48526,919,07023,894,12922,979,25521,451,79722,953,78222,583,54624,366,05425,920,07227,821,02318,738,79428,049,00827,050,39730,294,39923,663,01325,196,40830,096,46922,355,78724,297,07834,038,36334,870,05832,970,49328,556,71732,966,89734,585,21830,470,28024,423,157021,282,92734,198,14724,231,58400
       Short-term Investments 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
12,060,000
7,148,000
5,567,000
5,558,000
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
-33,710,736
-87,648,720
0
0
0
000-87,648,720-33,710,73600000000000000000000000000000005,558,0005,567,0007,148,00012,060,0000000000000000000
       Net Receivables 
0
0
0
1,878,117
0
0
0
1,746,422
1,905,913
2,035,925
1,988,465
2,015,743
2,231,113
2,109,421
1,964,135
2,388,605
2,240,146
2,374,265
2,594,196
2,974,009
2,536,142
2,515,773
2,544,125
2,025,923
1,979,271
2,125,203
2,256,188
1,698,120
1,934,752
2,005,545
1,750,708
1,741,128
1,727,248
1,667,493
1,493,509
1,675,128
2,343,665
2,439,452
2,662,289
2,532,315
2,272,723
2,297,251
2,505,246
2,468,753
2,685,767
2,512,897
3,075,205
2,870,025
2,581,384
2,805,365
3,044,399
4,165,124
3,630,472
2,965,845
3,235,743
0
03,235,7432,965,8453,630,4724,165,1243,044,3992,805,3652,581,3842,870,0253,075,2052,512,8972,685,7672,468,7532,505,2462,297,2512,272,7232,532,3152,662,2892,439,4522,343,6651,675,1281,493,5091,667,4931,727,2481,741,1281,750,7082,005,5451,934,7521,698,1202,256,1882,125,2031,979,2712,025,9232,544,1252,515,7732,536,1422,974,0092,594,1962,374,2652,240,1462,388,6051,964,1352,109,4212,231,1132,015,7431,988,4652,035,9251,905,9131,746,4220001,878,117000
       Other Current Assets 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
12,608,000
14,102,000
13,385,000
12,989,000
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
22,136,769
21,959,533
26,024,226
19,434,293
23,832,585
22,062,189
20,272,339
29,557,222
27,562,045
19,724,782
19,945,320
19,722,374
18,826,382
21,199,669
-2,965,845
-3,235,743
0
0-3,235,743-2,965,84521,199,66918,826,38219,722,37419,945,32019,724,78227,562,04529,557,22220,272,33922,062,18923,832,58519,434,29326,024,22621,959,53322,136,769000000000000000000012,989,00013,385,00014,102,00012,608,0000000000000000000
   > Long-term Assets 
0
0
38,962,756
30,410,150
47,593,597
26,138,785
43,833,581
42,925,467
39,190,821
41,934,018
45,055,174
41,552,653
43,503,423
49,656,948
68,656,432
64,376,382
61,550,635
60,644,037
59,632,291
56,621,689
58,389,146
61,610,140
61,486,240
62,638,116
63,779,175
65,539,491
64,537,806
66,652,096
73,455,623
75,095,770
76,019,322
72,700,601
72,892,382
75,602,574
75,829,568
81,522,213
79,860,568
81,723,835
81,382,646
81,299,142
80,901,530
80,097,909
83,913,577
84,815,525
89,635,848
89,082,255
85,149,149
88,876,053
92,591,958
95,092,193
491,053,220
501,004,089
592,021,754
504,659,127
516,508,116
0
0516,508,116504,659,127592,021,754501,004,089491,053,22095,092,19392,591,95888,876,05385,149,14989,082,25589,635,84884,815,52583,913,57780,097,90980,901,53081,299,14281,382,64681,723,83579,860,56881,522,21375,829,56875,602,57472,892,38272,700,60176,019,32275,095,77073,455,62366,652,09664,537,80665,539,49163,779,17562,638,11661,486,24061,610,14058,389,14656,621,68959,632,29160,644,03761,550,63564,376,38268,656,43249,656,94843,503,42341,552,65345,055,17441,934,01839,190,82142,925,46743,833,58126,138,78547,593,59730,410,15038,962,75600
       Property Plant Equipment 
0
0
1,341,940
1,308,745
1,321,511
1,282,858
1,309,533
1,286,821
1,307,076
1,296,635
1,302,997
1,289,222
1,297,657
1,289,456
1,475,578
1,529,029
1,568,972
1,646,912
1,422,853
1,405,995
1,448,297
1,450,303
1,528,326
1,498,304
1,485,786
1,438,181
1,564,427
1,503,930
1,538,429
1,552,747
1,567,199
2,499,414
2,513,492
2,526,442
2,569,735
2,592,563
2,560,148
2,523,788
2,697,284
2,670,656
2,653,903
2,586,090
2,577,093
2,537,206
2,565,285
2,546,395
2,483,922
2,438,398
2,424,694
2,391,663
2,501,520
2,508,774
2,498,476
2,405,724
2,498,272
2,467,035
2,467,0352,498,2722,405,7242,498,4762,508,7742,501,5202,391,6632,424,6942,438,3982,483,9222,546,3952,565,2852,537,2062,577,0932,586,0902,653,9032,670,6562,697,2842,523,7882,560,1482,592,5632,569,7352,526,4422,513,4922,499,4141,567,1991,552,7471,538,4291,503,9301,564,4271,438,1811,485,7861,498,3041,528,3261,450,3031,448,2971,405,9951,422,8531,646,9121,568,9721,529,0291,475,5781,289,4561,297,6571,289,2221,302,9971,296,6351,307,0761,286,8211,309,5331,282,8581,321,5111,308,7451,341,94000
       Goodwill 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
2,349,000
0
0
0
0
0
0
0
0
0
0
0
2,394,559
0
0
0
2,387,484
0
0
0
2,366,815
0
0
0
2,413,148
0
0
0
2,497,352
0
0
0
2,552,839
0
0
0
2,767,229
0
02,767,2290002,552,8390002,497,3520002,413,1480002,366,8150002,387,4840002,394,559000000000002,349,000000000000000000000
       Long Term Investments 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
44,305,000
49,289,000
52,043,000
50,690,000
0
0
0
0
0
0
0
0
0
0
0
0
0
71,803,691
72,229,336
77,150,720
74,785,465
75,329,405
75,329,193
74,820,734
74,475,955
74,096,010
75,924,864
79,813,662
84,538,797
83,926,025
80,126,206
83,907,565
87,544,117
90,072,577
87,287,923
90,890,969
88,156,842
84,124,421
87,874,867
88,582,442
88,582,44287,874,86784,124,42188,156,84290,890,96987,287,92390,072,57787,544,11783,907,56580,126,20683,926,02584,538,79779,813,66275,924,86474,096,01074,475,95574,820,73475,329,19375,329,40574,785,46577,150,72072,229,33671,803,691000000000000050,690,00052,043,00049,289,00044,305,0000000000000000000
       Intangible Assets 
0
0
1,965,476
1,927,873
1,970,333
0
1,926,347
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
60,196
2,430,701
2,457,015
2,468,898
55,555
2,526,106
2,514,955
2,469,256
50,912
2,459,028
2,461,892
2,468,086
46,286
2,464,657
2,531,766
2,609,835
41,669
2,530,090
2,623,147
0
36,761
0
2,633,561
0
32,121
0
032,12102,633,561036,76102,623,1472,530,09041,6692,609,8352,531,7662,464,65746,2862,468,0862,461,8922,459,02850,9122,469,2562,514,9552,526,10655,5552,468,8982,457,0152,430,70160,196000000000000000000000001,926,34701,970,3331,927,8731,965,47600
       Earning Assets 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
69,816,017
69,869,078
73,408,787
72,763,229
78,996,021
77,413,124
79,573,901
78,650,647
78,412,969
78,134,137
77,387,823
81,037,472
0
0
0
0
0
0
0
0
0
0
0
0
0
000000000000081,037,47277,387,82378,134,13778,412,96978,650,64779,573,90177,413,12478,996,02172,763,22973,408,78769,869,07869,816,0170000000000000000000000000000000
       Other Assets 
0
0
186,216,642
188,263,456
194,403,928
0
206,368,141
211,868,753
216,959,696
222,561,729
230,125,040
235,990,109
243,052,073
245,220,510
250,804,289
264,321,299
269,744,671
274,030,593
277,868,706
282,158,002
291,863,348
293,594,546
297,283,667
297,241,297
299,383,854
302,033,550
305,898,707
306,899,652
310,733,137
314,636,924
318,029,123
319,907,566
324,342,998
327,888,096
329,975,172
332,684,295
334,610,940
342,253,222
344,546,151
348,191,815
350,039,790
351,644,784
355,757,631
360,198,692
365,514,679
371,305,243
374,561,740
378,986,763
384,804,605
391,340,759
0
0
-111,312,491
526,813,662
542,863,078
0
0542,863,078526,813,662-111,312,49100391,340,759384,804,605378,986,763374,561,740371,305,243365,514,679360,198,692355,757,631351,644,784350,039,790348,191,815344,546,151342,253,222334,610,940332,684,295329,975,172327,888,096324,342,998319,907,566318,029,123314,636,924310,733,137306,899,652305,898,707302,033,550299,383,854297,241,297297,283,667293,594,546291,863,348282,158,002277,868,706274,030,593269,744,671264,321,299250,804,289245,220,510243,052,073235,990,109230,125,040222,561,729216,959,696211,868,753206,368,1410194,403,928188,263,456186,216,64200
> Total Liabilities 
0
0
11,317,833
238,387,155
3,186,926
12,965,836
3,048,821
268,360,266
272,913,248
279,449,043
284,528,200
291,361,566
301,452,945
303,479,090
316,847,153
324,438,648
333,370,196
331,495,159
331,450,467
339,942,779
346,367,668
351,869,121
344,689,055
354,376,982
354,409,494
357,024,340
356,830,587
359,550,852
366,983,809
373,785,858
377,596,819
379,165,466
382,113,411
383,845,872
388,084,471
393,900,266
394,711,293
403,011,941
402,830,237
408,030,630
407,711,284
412,963,554
413,314,048
421,304,303
428,373,404
431,286,146
441,736,957
446,169,512
443,761,802
453,540,970
454,217,879
463,498,324
467,535,873
469,757,301
483,216,088
490,510,356
490,510,356483,216,088469,757,301467,535,873463,498,324454,217,879453,540,970443,761,802446,169,512441,736,957431,286,146428,373,404421,304,303413,314,048412,963,554407,711,284408,030,630402,830,237403,011,941394,711,293393,900,266388,084,471383,845,872382,113,411379,165,466377,596,819373,785,858366,983,809359,550,852356,830,587357,024,340354,409,494354,376,982344,689,055351,869,121346,367,668339,942,779331,450,467331,495,159333,370,196324,438,648316,847,153303,479,090301,452,945291,361,566284,528,200279,449,043272,913,248268,360,2663,048,82112,965,8363,186,926238,387,15511,317,83300
   > Total Current Liabilities 
0
0
0
964,090
3,186,926
0
3,048,821
1,047,334
1,075,176
1,138,396
1,186,739
1,265,790
1,465,711
1,597,420
1,399,565
1,666,422
1,675,392
1,729,531
1,745,060
1,775,848
1,906,627
2,007,838
1,613,157
1,714,348
1,722,018
1,783,048
1,716,502
1,859,461
1,665,614
2,017,753
1,885,756
2,020,146
1,930,729
2,067,474
2,085,618
2,294,932
2,100,398
1,847,060
1,784,522
1,561,739
1,366,511
1,441,536
1,462,522
1,484,902
1,482,201
1,638,773
1,896,870
2,030,052
2,361,000
2,944,406
201,376,276
194,217,178
195,482,371
0
0
0
000195,482,371194,217,178201,376,2762,944,4062,361,0002,030,0521,896,8701,638,7731,482,2011,484,9021,462,5221,441,5361,366,5111,561,7391,784,5221,847,0602,100,3982,294,9322,085,6182,067,4741,930,7292,020,1461,885,7562,017,7531,665,6141,859,4611,716,5021,783,0481,722,0181,714,3481,613,1572,007,8381,906,6271,775,8481,745,0601,729,5311,675,3921,666,4221,399,5651,597,4201,465,7111,265,7901,186,7391,138,3961,075,1761,047,3343,048,82103,186,926964,090000
       Short-term Debt 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
12,283,000
13,091,000
12,763,000
14,226,000
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
3,363,456
4,732,954
5,923,000
16,848,668
3,690,091
3,361,548
1,515,987
23,327,384
4,759,184
1,274,734
4,039,911
5,517,789
4,851,490
6,306,735
0
0
0
0006,306,7354,851,4905,517,7894,039,9111,274,7344,759,18423,327,3841,515,9873,361,5483,690,09116,848,6685,923,0004,732,9543,363,456000000000000000000014,226,00012,763,00013,091,00012,283,0000000000000000000
       Short Long Term Debt 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
12,283,000
13,091,000
12,763,000
14,226,000
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
00000000000000000000000000000000000014,226,00012,763,00013,091,00012,283,0000000000000000000
       Accounts payable 
0
0
866,442
964,090
3,186,926
0
1,102,170
1,047,334
1,075,176
1,138,396
1,186,739
1,265,790
1,465,711
1,597,420
1,399,565
1,666,422
1,675,392
1,729,531
1,745,060
1,775,848
1,906,627
2,007,838
1,613,157
1,714,348
1,722,018
1,783,048
1,716,502
1,859,461
1,665,614
2,017,753
1,885,756
2,020,146
1,930,729
2,067,474
2,085,618
2,294,932
2,100,398
1,847,060
1,784,522
1,561,739
1,366,511
1,441,536
1,462,522
1,484,902
1,482,201
1,638,773
1,896,870
2,030,052
2,361,000
2,944,406
3,210,085
3,095,864
452,322
3,323,279
3,307,791
3,298,535
3,298,5353,307,7913,323,279452,3223,095,8643,210,0852,944,4062,361,0002,030,0521,896,8701,638,7731,482,2011,484,9021,462,5221,441,5361,366,5111,561,7391,784,5221,847,0602,100,3982,294,9322,085,6182,067,4741,930,7292,020,1461,885,7562,017,7531,665,6141,859,4611,716,5021,783,0481,722,0181,714,3481,613,1572,007,8381,906,6271,775,8481,745,0601,729,5311,675,3921,666,4221,399,5651,597,4201,465,7111,265,7901,186,7391,138,3961,075,1761,047,3341,102,17003,186,926964,090866,44200
       Other Current Liabilities 
0
0
-866,442
-870,861
-956,618
0
1,206,368
-736,874
-866,686
-594,466
-585,229
-626,797
-721,046
-604,680
-554,594
-585,396
-697,785
-682,231
-689,131
-825,304
-2,808,705
-3,016,696
-2,176,271
-2,293,671
-2,462,793
-2,472,679
-2,418,565
-2,543,344
-2,405,172
-2,461,370
-2,227,453
-2,413,015
-2,431,071
-2,540,085
-2,625,725
-2,836,318
-2,100,398
-1,847,060
-1,784,522
-1,561,739
-1,366,511
-1,441,536
-1,462,522
-1,484,902
-1,482,201
-1,638,773
-1,896,870
-2,030,052
-2,361,000
-2,944,406
-8,727,874
-3,095,864
195,030,049
-3,323,279
-3,307,791
0
0-3,307,791-3,323,279195,030,049-3,095,864-8,727,874-2,944,406-2,361,000-2,030,052-1,896,870-1,638,773-1,482,201-1,484,902-1,462,522-1,441,536-1,366,511-1,561,739-1,784,522-1,847,060-2,100,398-2,836,318-2,625,725-2,540,085-2,431,071-2,413,015-2,227,453-2,461,370-2,405,172-2,543,344-2,418,565-2,472,679-2,462,793-2,293,671-2,176,271-3,016,696-2,808,705-825,304-689,131-682,231-697,785-585,396-554,594-604,680-721,046-626,797-585,229-594,466-866,686-736,8741,206,3680-956,618-870,861-866,44200
   > Long-term Liabilities 
0
0
11,317,833
11,220,400
0
12,965,836
0
10,005,844
8,969,522
9,844,230
10,396,309
10,377,004
11,836,758
11,841,392
11,564,392
11,655,150
11,643,100
11,777,435
11,755,523
12,630,605
12,650,391
12,685,786
11,553,014
13,132,756
15,024,532
12,457,604
12,475,745
12,315,745
13,922,341
13,500,027
13,532,460
14,496,803
11,849,071
13,384,011
13,405,258
13,566,285
13,539,589
13,444,417
13,344,474
12,438,888
12,445,892
11,942,323
11,780,395
11,799,302
11,934,505
12,090,680
12,936,451
12,936,357
12,119,319
12,122,841
252,841,603
269,281,146
245,651,526
0
0
0
000245,651,526269,281,146252,841,60312,122,84112,119,31912,936,35712,936,45112,090,68011,934,50511,799,30211,780,39511,942,32312,445,89212,438,88813,344,47413,444,41713,539,58913,566,28513,405,25813,384,01111,849,07114,496,80313,532,46013,500,02713,922,34112,315,74512,475,74512,457,60415,024,53213,132,75611,553,01412,685,78612,650,39112,630,60511,755,52311,777,43511,643,10011,655,15011,564,39211,841,39211,836,75810,377,00410,396,3099,844,2308,969,52210,005,844012,965,836011,220,40011,317,83300
       Long term Debt Total 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
19,996,806
17,349,074
18,884,015
18,905,262
19,066,289
0
18,944,422
17,844,477
16,938,891
16,945,895
16,442,327
17,380,399
15,399,305
15,534,508
15,690,685
18,036,466
18,036,372
17,219,334
0
0
0
0
0
0
0
000000017,219,33418,036,37218,036,46615,690,68515,534,50815,399,30517,380,39916,442,32716,945,89516,938,89117,844,47718,944,422019,066,28918,905,26218,884,01517,349,07419,996,8060000000000000000000000000000000
       Other Liabilities 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
7,439,001
9,566,067
0
8,576,740
0
0
0
0
0
0
0
00000008,576,74009,566,0677,439,001000000000000000000000000000000000000000000000
       Deferred Long Term Liability 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
262,000
267,000
269,000
267,000
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
253,914
258,491
0
275,261
0
0
0
0
0
0
0
0000000275,2610258,491253,9140000000000000000000000000267,000269,000267,000262,0000000000000000000
> Total Stockholder Equity
0
0
14,863,222
15,680,527
16,629,614
16,917,009
17,943,923
17,933,667
18,985,986
19,275,220
20,423,594
20,388,945
21,431,678
26,748,225
28,024,668
28,091,284
29,322,091
29,640,241
31,231,098
31,111,778
32,443,653
32,826,319
34,213,315
34,196,595
35,524,434
35,908,279
37,364,706
37,614,962
39,504,200
39,799,918
40,973,056
40,976,792
42,408,549
42,605,018
43,594,330
43,266,777
44,698,558
46,081,541
47,248,271
45,801,211
47,286,036
46,990,527
48,162,662
47,991,272
49,097,633
49,213,600
50,179,221
51,308,793
53,303,197
53,210,910
54,674,349
54,586,916
56,294,720
55,480,874
57,335,494
56,950,826
56,950,82657,335,49455,480,87456,294,72054,586,91654,674,34953,210,91053,303,19751,308,79350,179,22149,213,60049,097,63347,991,27248,162,66246,990,52747,286,03645,801,21147,248,27146,081,54144,698,55843,266,77743,594,33042,605,01842,408,54940,976,79240,973,05639,799,91839,504,20037,614,96237,364,70635,908,27935,524,43434,196,59534,213,31532,826,31932,443,65331,111,77831,231,09829,640,24129,322,09128,091,28428,024,66826,748,22521,431,67820,388,94520,423,59419,275,22018,985,98617,933,66717,943,92316,917,00916,629,61415,680,52714,863,22200
   Common Stock
0
0
3,531,926
3,531,926
3,531,926
3,531,926
3,531,926
3,531,926
3,531,926
3,531,926
3,531,926
3,531,926
3,531,926
3,882,138
3,882,138
3,882,138
3,882,138
3,882,138
3,882,138
3,882,138
3,882,138
3,882,138
3,882,138
9,417,653
9,417,653
9,417,653
9,417,653
9,417,653
9,417,653
9,417,653
9,417,653
9,417,653
9,417,653
9,417,653
9,417,653
9,417,653
9,417,653
9,417,653
9,417,653
9,417,653
9,417,653
9,417,653
9,417,653
9,417,653
9,417,653
9,417,653
9,417,653
9,417,653
9,417,653
9,417,653
9,417,653
9,417,653
9,417,653
9,417,653
9,417,653
0
09,417,6539,417,6539,417,6539,417,6539,417,6539,417,6539,417,6539,417,6539,417,6539,417,6539,417,6539,417,6539,417,6539,417,6539,417,6539,417,6539,417,6539,417,6539,417,6539,417,6539,417,6539,417,6539,417,6539,417,6539,417,6539,417,6539,417,6539,417,6539,417,6539,417,6539,417,6539,417,6533,882,1383,882,1383,882,1383,882,1383,882,1383,882,1383,882,1383,882,1383,882,1383,882,1383,531,9263,531,9263,531,9263,531,9263,531,9263,531,9263,531,9263,531,9263,531,9263,531,9263,531,92600
   Retained Earnings Total Equity00000000000000000000000000000000000000000000000000000000
   Accumulated Other Comprehensive Income 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
2,849,645
2,536,068
2,069,812
1,682,584
1,743,397
1,422,597
1,565,284
1,486,004
2,003,749
2,857,025
2,883,302
723,829
3,072,331
3,222,747
0
0
0
0003,222,7473,072,331723,8292,883,3022,857,0252,003,7491,486,0041,565,2841,422,5971,743,3971,682,5842,069,8122,536,0682,849,645000000000000000000000000000000000000000
   Capital Surplus 00000000000000000000000000000000000000000000000000000000
   Treasury Stock00000000000000000000000000000000000000000000000000000000
   Other Stockholders Equity 
0
0
11,331,296
12,148,601
13,097,688
13,385,083
14,411,997
14,401,741
15,454,060
15,743,294
16,891,668
16,857,019
17,899,752
22,866,087
24,142,530
24,209,146
25,439,953
25,758,103
27,348,960
27,229,640
28,561,515
5,386,178
30,331,177
24,778,942
26,106,781
26,490,626
27,947,053
3,037,668
3,312,468
3,468,285
3,237,490
3,399,526
3,580,169
3,721,897
1,533
3,483,822
3,915,824
3,711,482
1,533
2,849,645
2,536,068
2,069,812
1,533
1,743,397
1,422,597
1,565,284
16,579
2,003,749
2,857,025
2,883,302
48,666
0
3,222,747
2,668,489
3,106,395
0
03,106,3952,668,4893,222,747048,6662,883,3022,857,0252,003,74916,5791,565,2841,422,5971,743,3971,5332,069,8122,536,0682,849,6451,5333,711,4823,915,8243,483,8221,5333,721,8973,580,1693,399,5263,237,4903,468,2853,312,4683,037,66827,947,05326,490,62626,106,78124,778,94230,331,1775,386,17828,561,51527,229,64027,348,96025,758,10325,439,95324,209,14624,142,53022,866,08717,899,75216,857,01916,891,66815,743,29415,454,06014,401,74114,411,99713,385,08313,097,68812,148,60111,331,29600



6.3. Balance Sheets

Currency in MYR. All numbers in thousands.




6.4. Cash Flows

Currency in MYR. All numbers in thousands.




6.5. Income Statements

Currency in MYR. All numbers in thousands.


6.6. Latest Income Statement

Income Statement (annual), 2024-12-31. Currency in MYR. All numbers in thousands.

Gross Profit (+$)
totalRevenue14,010,360
Cost of Revenue-0
Gross Profit14,010,36014,010,360
 
Operating Income (+$)
Gross Profit14,010,360
Operating Expense-4,828,132
Operating Income9,182,2289,182,228
 
Operating Expense (+$)
Research Development0
Selling General Administrative294,631
Selling And Marketing Expenses122,984
Operating Expense4,828,132417,615
 
Net Interest Income (+$)
Interest Income18,871,101
Interest Expense-9,419,995
Other Finance Cost-0
Net Interest Income9,451,106
 
Pretax Income (+$)
Operating Income9,182,228
Net Interest Income9,451,106
Other Non-Operating Income Expenses0
Income Before Tax (EBT)8,931,6299,432,827
EBIT - interestExpense = -9,419,995
9,059,596
16,567,026
Interest Expense9,419,995
Earnings Before Interest and Taxes (EBIT)018,351,624
Earnings Before Interest and Taxes (EBITDA)0
 
After tax Income (+$)
Income Before Tax8,931,629
Tax Provision-1,912,565
Net Income From Continuing Ops7,019,0647,019,064
Net Income7,147,031
Net Income Applicable To Common Shares0
 
Non-recurring Events
Discontinued Operations0
Extraordinary Items0
Effect of Accounting Charges0
Other Items0
Non Recurring0
Other Operating Expenses4,828,132
Total Other Income/Expenses Net-250,599-9,451,106
 

Technical Analysis of Public Bank Bhd
The psychology behind the price

Technical indicators reflecting market sentiment and the collective psychology of you and other traders. Your emotions and other traders' emotions, such as fear and greed, play a significant role in driving price movements.

General trend

First of all, I'm going to put something in the back of your mind. One of the most stable factors that gives you more confidence as a trader: the general trend of Public Bank Bhd. The general trend of Public Bank Bhd is BEARISH with 71.4% confidence. It is very important for your mental being to use each indicator with this in mind. But beware, also the general trend flips once in a while! You can use moving averages to determine Public Bank Bhd's overall trend. For convenience I use the most commonly used moving averages: 20, 50, 100 & 200. Of course you can use other moving averages or other indicators to determine the trend.

Indicator phases

Some of the indicators I use have 3 zones: overbought, oversold and neutral. Transitions between these zones (market phases) provide valuable trading signals and insights. Expecially with the general trend mind, I use the highlighted phases:

Indicator zone transitionsBullish trend (-71.4%) Bearish trend (71.4%)
Overbought to neutralBullish pullback=Bearish reversal
Upper to lower neutralBullish correction=Bearish continuation
Nuetral to oversoldOversold=Oversold
Oversold to neutralBullish reversal=Bearish correction
Lower to upper neutralBullish continuation=Bearish pullback
Nuetral to overboughtOverbought=Overbought

1. Public Bank Bhd Price Targets

1.1 Support & Resistance

Support and resistance are levels on a price chart that act as barriers or zones where the price of an asset tends to stop, reverse, or experience a significant amount of buying or selling pressure.

Support is a price level at which demand for an asset is strong enough to prevent the price from falling further.
Resistance is a price level at which selling pressure becomes significant enough to prevent the price of an asset from rising further.


Score

Let's take a look at the Support & Resistance of Public Bank Bhd.

The long score for the Support & Resistance is 0/1.
The longshort score for the Support & Resistance is -1/(-1 +1).

  • Around resistance: The price is trading arround resistance levels. This can be considered as a potential exit level. -1

The bullish price targets are: 4.38 < 4.39 < 4.42.

The bearish price targets are: 4.17 > 4.1079533799534 > 4.0888.

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Public Bank Bhd Daily Support & Resistance Chart
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2. Trend Indicators

2.1 Moving Averages

Shows the moving average of the selected period.

  • Moving averages are lagging trend indicators.
  • There are many types of moving averages.
  • Moving averages are also used within other indicators.

Score

Let's take a look at the Moving Averages of Public Bank Bhd. The current mas is .

The long score for the Moving Averages is 2/14.
The longshort score for the Moving Averages is -10/(-14 +14).

  • MA 20 trending up: The MA 20 is trending up. +1
  • Close > MA 20: The price is above the MA 20. +1
  • MA 20 < MA 50: The MA 20 is lower than the MA 50. -1
  • MA 20 < MA 100: The MA 20 is lower than the MA 100. -1
  • MA 20 < MA 200: The MA 20 is lower than the MA 200. -1
  • MA 50 trending down: The MA 50 is trending down. -1
  • Close < MA 50: The price is below the MA 50. -1
  • MA 50 < MA 100: The MA 50 is lower than the MA 100. -1
  • MA 50 < MA 200: The MA 50 is lower than the MA 200. -1
  • MA 100 trending down: The MA 100 is trending down. -1
  • Close < MA 100: The price is below the MA 100. -1
  • MA 100 < MA 200: The MA 100 is lower than the MA 200. -1
  • MA 200 trending down: The MA 200 is trending down. -1
  • Close < MA 200: The price is below the MA 200. -1

Directionalities and relatives.

Moving AverageAmount of candlesTrendPrice +/-vs. MA 50vs. MA 100vs. MA 200
MA 2020
MA 5050-
MA 100100--
MA 200200---

Explanation: https://www.youtube.com/watch?v=xwW8h0lrQ-I

Public Bank Bhd Daily Moving Averages Chart
2.2 Moving Average Convergence/Divergence (MACD)

Shows the momentum of the selected period based on two moving averages.

  • MACD is a lagging momentum indicator.
  • Uses two moving averages.
  • Can show buy or sell signals based on momentum.
  • Can show overbought. and oversold. levels.

Score

Let's take a look at the Moving Average Convergence/Divergence (MACD) of Public Bank Bhd. The current macd is -0.00289058.

The long score for the Moving Average Convergence/Divergence (MACD) is 3/4.
The longshort score for the Moving Average Convergence/Divergence (MACD) is 2/(-4 +4).

  • MACD line > signal line: The MACD line is above the signal line, which indicates a bullish signal in the market. This means that the positive momentum is currently stronger than the average momentum, suggesting that buyers are more active than sellers, and there's a higher probability of the Public Bank Bhd price going up in the near term. +2
  • MACD < 0: The MACD is below the zero line (centerline), it indicates a bearish signal for Public Bank Bhd. This means that the short-term moving average is lower than the long-term moving average, signaling negative momentum and suggesting a higher likelihood of the Public Bank Bhd price continuing to fall in the near future. It indicates that sellers are gaining control, and there is negativism in the market, leading to potential price decreases. -1
  • Trending up: The MACD line is trending up. This indicates that the short-term moving average is rising faster than the long-term moving average, suggesting positive momentum in the market. This signals that buyers are becoming more active and confident, leading to potential price increases as traders anticipate further gains and are willing to buy at higher prices. +1
Public Bank Bhd Daily Moving Average Convergence/Divergence (MACD) ChartPublic Bank Bhd Daily Moving Average Convergence/Divergence (MACD) Chart
2.3 Directional Movement Index (DMI)

The DMI is a collection of 3 indicators: +DI (Plus Direction Indicator), -DI (Minus Direction Indicator) and ADX (Average Directional Index). The ADX helps you determine the strength of a trend.


Score

Let's take a look at the Directional Movement Index (DMI) of Public Bank Bhd. The current adx is 15.95.

The long score for the Directional Movement Index (DMI) is 1/7.
The longshort score for the Directional Movement Index (DMI) is 1/(-7 +7).

  • PLUS_ID > MINUS_DI: The +DI line is above the -DI line. This indicates a bullish signal in the market, as the positive directional movement is currently stronger than the negative directional movement, showing that buyers have the upper hand. Market psychology suggests that traders are optimistic, expecting further price increases, and are more willing to buy Public Bank Bhd shares, leading to potential upward momentum in its price. +1
  • PLUS_ID > MINUS_DI && ADX < 25 && ADX trending down: The ADX is below 25 and indicates a weak or no trend. Also, the ADX is declining so there is no trend indication.
Public Bank Bhd Daily Directional Movement Index (DMI) Chart
2.4 Parabolic SAR

Shows the current trend and potential entry and exit signals.

  • Parabolic SAR (stop and reverse) is a lagging trend indicator.
  • Shows the current trend.
  • Shows potential entry signals.
  • Shows  potential exit signals.
  • Can be used to place trailing stoplosses..

Score

Let's take a look at the Parabolic SAR of Public Bank Bhd. The current sar is 4.21981716.

The long score for the Parabolic SAR is 1/1.
The longshort score for the Parabolic SAR is 1/(-1 +1).

  • Close > SAR: The price is above the SAR. It's generally considered a bullish signal. +1
Public Bank Bhd Daily Parabolic SAR Chart
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3. Momentum Indicators

3.1 Relative Strength Index (RSI)

Measures the speed and change of price movements.

  • Leading momentum indicator, meaning the signals are instant.
  • Ranges between 0 and 100.
  • Above 70 is considered overbought.
  • Below 30 is considered oversold.
  • Above or below 50 can also be used to determine price trend or support and resistance.
  • RSI divergence looks at a deviation between RSI and price movement. Penketrading automatically calculates RSI divergences.
  • Can be used in many different ways

Score

Let's take a look at the Relative Strength Index (RSI) of Public Bank Bhd. The current rsi is 50.70. The current phase is Correction in bear market.

The long score for the Relative Strength Index (RSI) is 4/13.
The longshort score for the Relative Strength Index (RSI) is 4/(-13 +13).

  • Correction in bear market: Extended price decline in a downtrend, significant pullback. Consider reducing exposure, wait for signs of trend reversal.
  • Trending up: The RSI is trending up. +1
Public Bank Bhd Daily Relative Strength Index (RSI) ChartPublic Bank Bhd Daily Relative Strength Index (RSI) Chart
3.2 Stochastic Oscillator

Compares a certain price to multiple prices ranging over time.

  • Leading momentum indicator, meaning the signals are instant.
  • Used to determine overbought and oversold areas much like the RSI.
  • Ranges between 0 and 100.
  • Above 80 is considered overbought.
  • Below 20 is considered oversold.
  • Consists of two lines named K and D.
  • K compares the highest high and lowest low on the selected price range.
  • The D line is a moving average of the K line.
  • Can be used to spot divergences

Score

Let's take a look at the Stochastic Oscillator of Public Bank Bhd. The current phase is Correction in bear market.

The long score for the Stochastic Oscillator is 4/6.
The longshort score for the Stochastic Oscillator is 4/(-6 +6).

  • STOCH > 50: The STOCH %K is above 50. There are more buyers than sellers. +1
  • STOCH %K line > STOCH %D line: The STOCH %K line is above the STOCH %D line, which indicates a bullish signal in the market. This means that the positive momentum is currently stronger than the average momentum, suggesting that buyers are more active than sellers, and there's a higher probability of the Public Bank Bhd price going up in the near term. +2
  • Trending up: The STOCH %K is trending up. +1
Public Bank Bhd Daily Stochastic Oscillator ChartPublic Bank Bhd Daily Stochastic Oscillator Chart
3.3 Commodity Channel Index (CCI)

Measures the difference between the current price and the historical average price.

  • Lagging or leading Momentum indicator
  • When the CCI is above zero, the price is above the historical average
  • When the CCI is below zero, the price is below the historical average
  • Used for spotting trends
    • If the CCI moves from negative or near zero to positive 100 that might indicate an uptrend
    • If the CCI moves from positive or near zero to negative -100 that might indicate a downtrend

Score

Let's take a look at the Commodity Channel Index (CCI) of Public Bank Bhd. The current cci is 51.47.

Public Bank Bhd Daily Commodity Channel Index (CCI) ChartPublic Bank Bhd Daily Commodity Channel Index (CCI) Chart
3.4 Chande Momentum Oscillator (CMO)

Measures the difference between the sum of recent gains and the sum of recent losses. Then divides the result by the sum of all price movements in that period.

  • Lagging momentum indicator
  • Ranges between +100 and -100
  • Considered overbought above +50
  • Considered oversold below -50
  • It's possible to add a moving average that acts as a signal line

Score

Let's take a look at the Chande Momentum Oscillator (CMO) of Public Bank Bhd. The current cmo is 3.48867928.

The long score for the Chande Momentum Oscillator (CMO) is 1/1.
The longshort score for the Chande Momentum Oscillator (CMO) is 1/(-1 +1).

  • CMO > 0: The CMO is above 0, the momentum of the price is positive, indicating a potential uptrend in the price. +1
Public Bank Bhd Daily Chande Momentum Oscillator (CMO) ChartPublic Bank Bhd Daily Chande Momentum Oscillator (CMO) Chart
3.5 Williams %R

 Shows the current price relative to the highest high over the last 14 days.
 

  • Lagging momentum indicator
  • Ranging between 0 and -100
  • Above -20 is considered overbought
  • Below -80 is considered oversold
  • Is prone to give false signals

Score

Let's take a look at the Williams %R of Public Bank Bhd. The current willr is -40.

The long score for the Williams %R is 0/1.
The longshort score for the Williams %R is 0/(-1 +1).

  • WILLR between -80 and -20: The Williams %R is between -80 and -20. This indicates that Public Bank Bhd is trading in a neutral price range, neither oversold nor overbought, suggesting a balanced market condition without any extreme price signals.
Public Bank Bhd Daily Williams %R ChartPublic Bank Bhd Daily Williams %R Chart
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4. Volatility Indicators

4.1 Bollinger Bands

Shows if the price is to high or to low relative to an average.

  • Lagging volatility indicator
  • Uses 3 bands: one upper, one lower and one in the middle
  • Works best when the middle band reflects an intermediate trend (MA20).
  • When the price is moving closer to the upper band, the market might be overbought
  • When the price is moving closer to the lower band, the market might be oversold 

Score

Let's take a look at the Bollinger Bands of Public Bank Bhd.

Public Bank Bhd Daily Bollinger Bands Chart
4.2 Average True Range (ATR)
Measures market volatility
  • Leading volatility indicator
  • Can be used to determine stop-loss positions
  • Calculated by:
    • Current high minus the current low
    • Current high minus the previous close
    • Current low minus the previous close
  • The larger the range of the candles, the greater the ATR value

Score

Let's take a look at the Average True Range (ATR) of Public Bank Bhd. The current atr is 0.07481835.

Public Bank Bhd Daily Average True Range (ATR) ChartPublic Bank Bhd Daily Average True Range (ATR) Chart
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5. Volume Indicators

5.1 On-Balance Volume (OBV)

 Measures market volatility

  • Leading momentum indicator
  • Calculation:
    • If the closing price is above the previous closing price: OBV = previous OBV + current volume
    • If the closing price is below the previous closing price: OBV = previous OBV - current volume
    • If the closing price is the same as the previous closing price than the OBV is the same.
  • Can be used to confirm price trends
  • Can be used with divergences

Score

Let's take a look at the On-Balance Volume (OBV) of Public Bank Bhd. The current obv is 622,459,082.

Public Bank Bhd Daily On-Balance Volume (OBV) ChartPublic Bank Bhd Daily On-Balance Volume (OBV) Chart
5.2 Money Flow Index (MFI)

Measures the flow of money in and out of a security

  • Lagging momentum indicator
  • Looks like RSI but uses volume as an extra metric (RSI only considers price)
  • Above 80 is considered overbought
  • Below 20 is considered oversold
  • Can be used with divergences

Score

Let's take a look at the Money Flow Index (MFI) of Public Bank Bhd. The current mfi is 57.91.

The long score for the Money Flow Index (MFI) is 1/2.
The longshort score for the Money Flow Index (MFI) is 1/(-2 +2).

  • MFI > 50: +1
Public Bank Bhd Daily Money Flow Index (MFI) ChartPublic Bank Bhd Daily Money Flow Index (MFI) Chart
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6. Summary

6.1. Notifications

TypeNotificationDate
PenkeCurrently no notifications for Public Bank Bhd.

6.2. Trading Signals

Below you will find trading signals as the indicator is commonly used. This doesn't mean you should use it that way. Learn from these, but don't use them blindly. I recommend using at least 4 indicators, 1 from each category: trend, momentum, volatility and volume.

DateIndicatorSignal
2025-02-14STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2025-02-17STOCH LONG EXITThe %K line crosses below the %D line.
2025-02-18CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2025-02-20STOCH LONG EXITThe %K line crosses below the %D line.
2025-02-25DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2025-02-26DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-02-27STOCH LONG EXITThe %K line crosses below the %D line.
2025-03-03STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2025-03-04STOCH LONG EXITThe %K line crosses below the %D line.
2025-03-05ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-03-11SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2025-03-12MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2025-03-13STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-03-14MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
2025-03-17CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
2025-03-19SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
2025-03-20STOCH LONG EXITThe %K line crosses below the %D line.
2025-03-25MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2025-03-26STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2025-03-28DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2025-04-02CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
2025-04-03SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
2025-04-04WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2025-04-07BB LONG ENTRY SHORT CLOSEPrice closed below the lower band.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2025-04-08STOCH SHORT EXITThe %K line crosses above the %D line.
2025-04-09STOCH LONG EXITThe %K line crosses below the %D line.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2025-04-10RSI LONG ENTRY SHORT CLOSE30 crossover to upside
STOCH SHORT EXITThe %K line crosses above the %D line.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-04-16STOCH LONG EXITThe %K line crosses below the %D line.
2025-04-17SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2025-04-18MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
2025-04-21WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2025-04-24STOCH LONG EXITThe %K line crosses below the %D line.
2025-04-28STOCH SHORT EXITThe %K line crosses above the %D line.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-04-29CCI LONG ENTRY SHORT CLOSE100 crossover to upside
2025-04-30DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
STOCH LONG EXITThe %K line crosses below the %D line.
2025-05-05STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2025-05-07STOCH LONG EXITThe %K line crosses below the %D line.
2025-05-08CCI LONG ENTRY SHORT CLOSE100 crossover to upside
2025-05-13STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2025-05-14CCI LONG ENTRY SHORT CLOSE100 crossover to upside
2025-05-15STOCH LONG EXITThe %K line crosses below the %D line.
2025-05-19DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
2025-05-20STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2025-05-21MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2025-05-22CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
BB LONG ENTRY SHORT CLOSEPrice closed below the lower band.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2025-05-23STOCH SHORT EXITThe %K line crosses above the %D line.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-05-27STOCH LONG EXITThe %K line crosses below the %D line.
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
2025-05-28WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2025-06-04STOCH SHORT EXITThe %K line crosses above the %D line.
MFI SHORT ENTRY LONG CLOSE20 crossover to downside
2025-06-05MFI LONG ENTRY SHORT CLOSE20 crossover to upside
2025-06-06STOCH LONG EXITThe %K line crosses below the %D line.
2025-06-10STOCH SHORT EXITThe %K line crosses above the %D line.
2025-06-13STOCH LONG EXITThe %K line crosses below the %D line.
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2025-06-16CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
MFI SHORT ENTRY LONG CLOSE20 crossover to downside
2025-06-17STOCH SHORT EXITThe %K line crosses above the %D line.
2025-06-18MFI LONG ENTRY SHORT CLOSE20 crossover to upside
2025-06-19STOCH LONG EXITThe %K line crosses below the %D line.
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2025-06-20STOCH SHORT EXITThe %K line crosses above the %D line.
2025-06-23MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-06-24STOCH LONG EXITThe %K line crosses below the %D line.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2025-06-26STOCH SHORT EXITThe %K line crosses above the %D line.
2025-06-30STOCH LONG EXITThe %K line crosses below the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
2025-07-01DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2025-07-02STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2025-07-04DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-07-07STOCH LONG EXITThe %K line crosses below the %D line.
2025-07-09DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2025-07-11DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside

6.3. Candlestick Patterns

Public Bank Bhd Daily Candlestick Chart
DateCandlestick Pattern

6.4. Technical Score

Let's check the technical score of Public Bank Bhd based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5050.695
Ma 20Greater thanMa 504.292
Ma 50Greater thanMa 1004.352
Ma 100Greater thanMa 2004.372
OpenGreater thanClose4.310
Total1/5 (20.0%)
Penke
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