PTSB - Ticker AI Digest

Permanent TSB Group Holdings PLC 📰 2
2.93 | Today 0.17%
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PTSB Data 2026-06-01 Preview Mode
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Digested News

Today's Catalysts (PTSB) 2
PTSB 14:26
Permanent TSB Group Holdings PLC
Form 8.3
PTSB 09:17
Permanent TSB Group Holdings PLC
Form 8.3
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Updates 2
PTSB 15:01
Permanent TSB Group Holdings PLC
Update on Timing of Publication of Scheme Document
PTSB 06:01
Permanent TSB Group Holdings PLC
Trading Statement
AI Expand: Explanation + Tables
Return to today’s catalyst cards, chart beacons and AI charts.
Permanent TSB Group Holdings PLC reported a strong Q1 2026 performance, with 10% revenue growth driven by higher margins, a larger balance sheet, and a reduced cost/income ratio to 72%. Key highlights include robust asset quality, strong mortgage and business banking performance, and a recommended acquisition offer by BAWAG Group. Financial metrics showed increased net interest income, stable operating costs, and a pro-forma CET1 ratio of 17.9%. The bank maintains a positive outlook, with guidance in line with prior communications.
MetricQ1 2025Q1 2026Change
Total Operating IncomeNot ProvidedUp 10% (6% underlying)+10%
Net Interest Margin (NIM)2.03%2.13% (2.11% underlying)+10bps
Total Operating CostsNot ProvidedUp 6% (1% underlying)+6%
Cost/Income Ratio76%72%-4ppts
Total Gross Loans€22.0 billion€22.7 billion+3%
Customer Deposits€24.9 billion€25.6 billion+3%
CET1 Ratio (pro-forma)17.5%17.9%+0.4ppts
Leverage Ratio6.5%6.6%+0.1ppts
New Mortgage Market ShareNot Providedc. 19%N/A
New Business Banking LendingNot ProvidedUp 18%+18%
New Personal Term LendingNot ProvidedUp 105%+105%
Vaccine 0
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Wins 0
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Worth 0
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All Market News (Last 30 Days) 19
PTSB 14:26
Permanent TSB Group Holdings PLC
Form 8.3
PTSB 09:17
Permanent TSB Group Holdings PLC
Form 8.3
PTSB 14:26
Permanent TSB Group Holdings PLC
Form 8.3
PTSB 09:30
Permanent TSB Group Holdings PLC
Form 8.3
PTSB 14:26
Permanent TSB Group Holdings PLC
Form 8.3
PTSB 14:26
Permanent TSB Group Holdings PLC
Form 8.3
PTSB 09:56
Permanent TSB Group Holdings PLC
Form 8.3
PTSB 14:26
Permanent TSB Group Holdings PLC
Form 8.3
PTSB 08:53
Permanent TSB Group Holdings PLC
Form 8.3
PTSB 14:26
Permanent TSB Group Holdings PLC
Form 8.3
PTSB 10:04
Permanent TSB Group Holdings PLC
Form 8.3
PTSB 11:18
Permanent TSB Group Holdings PLC
Form 8.3
PTSB 15:02
Permanent TSB Group Holdings PLC
Publication of Scheme Document &Expected Timetable
PTSB 09:29
Permanent TSB Group Holdings PLC
Form 8.3
PTSB 07:01
Permanent TSB Group Holdings PLC
Announcement re convening of Scheme Meeting
PTSB 15:01
Permanent TSB Group Holdings PLC
Update on Timing of Publication of Scheme Document
PTSB 11:13
Permanent TSB Group Holdings PLC
Form 8.3
PTSB 13:16
Permanent TSB Group Holdings PLC
Result of AGM
PTSB 06:01
Permanent TSB Group Holdings PLC
Trading Statement
AI Expand: Explanation + Tables
Return to today’s catalyst cards, chart beacons and AI charts.
Permanent TSB Group Holdings PLC reported a strong Q1 2026 performance, with 10% revenue growth driven by higher margins, a larger balance sheet, and a reduced cost/income ratio to 72%. Key highlights include robust asset quality, strong mortgage and business banking performance, and a recommended acquisition offer by BAWAG Group. Financial metrics showed increased net interest income, stable operating costs, and a pro-forma CET1 ratio of 17.9%. The bank maintains a positive outlook, with guidance in line with prior communications.
MetricQ1 2025Q1 2026Change
Total Operating IncomeNot ProvidedUp 10% (6% underlying)+10%
Net Interest Margin (NIM)2.03%2.13% (2.11% underlying)+10bps
Total Operating CostsNot ProvidedUp 6% (1% underlying)+6%
Cost/Income Ratio76%72%-4ppts
Total Gross Loans€22.0 billion€22.7 billion+3%
Customer Deposits€24.9 billion€25.6 billion+3%
CET1 Ratio (pro-forma)17.5%17.9%+0.4ppts
Leverage Ratio6.5%6.6%+0.1ppts
New Mortgage Market ShareNot Providedc. 19%N/A
New Business Banking LendingNot ProvidedUp 18%+18%
New Personal Term LendingNot ProvidedUp 105%+105%

Today's AI

Today's AI Starts With News

2 live catalysts is opening Today’s AI for PTSB.

Start with the live headline tape first. Today’s AI findings sit next, and the AI Blend stack drops lower once the news context is framed. Financial Forecastist now feeds the blend too.
Live Tape Data 2026-06-01 Blend Lower Down
Read the alert tape first, then open Today’s AI findings. Use AI Expand on any card to open the AI explanation, results tables and financial forecast rows instantly.
2 Today
Front Of Desk
Permanent TSB Group Holdings PLC has fresh news flow live now, so Today’s AI is leading with the tape before the blended signal stack below.
14:26 Today's Catalyst Form 8.3 09:17 Today's Catalyst Form 8.3
Single-Ticker Today's AI
PTSB signal theatre built from scored market catalysts, automated AI forecasts, financial forecasting and live trigger logic.

This is the ticker-specific Today’s AI desk for Permanent TSB Group Holdings PLC. It compresses the live catalyst tape, bullish and bearish scoring, AI price forecasts, financial forecasting and trigger logic into one cockpit so users can judge conviction without hopping across screens.

Subscription Required Bullish vs Bearish Scoring AI + Financial Blend Buy / Sell Trigger Engine Today's AI Findings
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Fundamentals Matrix

Overall Fundamentals
Signal: Pending
Capital Strength
Signal: Pending
Float Liquidity
Signal: Pending
Short Pressure
Signal: Pending
Target Setup
Signal: Pending
Market Profile
Signal: Pending
Market Cap
1.6B
Enterprise Value
-
Public Float
92.0
Broker Target
-
Shares Out
545.0M
Long Interest
-
Short Interest
-
Exchange
-
Currency Code
-
ISIN
None
Market
None
Sector
Unknown
Float / Shares Ratio
-
Short vs Long Delta
-
EV / Market Cap
-

Financials Matrix

News And Alerts First

2 live alerts now opens the financials desk for PTSB.

Start with the headline flow and alert tape first. Then drop straight into Financial Forecastist below for the revenue path, EPS shape, cash pressure and balance-sheet read while the catalyst context is still hot.
Live Alerts Data 2026-06-01 Forecastist Below
Read the alert tape first, then move into Financial Forecastist below. Use AI Expand on any catalyst card to open the AI explanation and results tables without losing the ticker context.
2 Alerts
Front Of Desk
Permanent TSB Group Holdings PLC has fresh filing flow live now, so the tape is framing the revenue, leverage and valuation story below.
14:26 Today's Alert Form 8.3 09:17 Today's Alert Form 8.3
Overall Stability
Signal: Pending
Profitability
Signal: Pending
Debt & Cash
Signal: Pending
Valuation Risk
Signal: Pending
Forward Expectation
Signal: Pending
Dividend Safety
Signal: Pending
Divi Rate
0.02
Ex Divi
2026-04-09
Earnings Date
2026-03-02
Net Debt
2.4B
Cash
100.0M
EPS
0.13
Net Income
114.0M
Revenue
897.6M
Enterprise Value
-
Trailing PE
0.225
Forward PE
12.5786
Price Sales TTM
2.297
Price Book MRQ
0.6425
EV Revenue
5.6221
EV EBITDA
-
Financial Forecastist

Mixed financial engine

Revenue is slipping -0.8% against the prior comparable period. Net margin is expanding by 11.9 pts. Net debt is building +276.2%.

Revenue -0.8% Net Income +130.2% FCF +10.7% Current Ratio 0.60x Forward Rev 0
Mixed
Quarter Revenue
473.0M
-0.8%
vs prior comparable quarter
Net Margin
+20.9%
+11.9 pts
profitability pulse
Free Cash Flow
93.0M
+10.7%
cash conversion
Net Debt / EBITDA
17.3x
+276.2%
lower is cleaner
Revenue Engine

Latest quarter printed 473.0M with the top line cooling off against the last comparable period.

Profit Stack

Net income landed at 99.0M and the margin profile is broadening. That usually tells us whether operating leverage is finally kicking in.

Balance-Sheet Pressure

Cash sits near 100.0M while net debt is 2.4B. The leverage stack is moving the wrong way.

Quarterly Revenue Runway

Actual revenue bars, consensus revenue where available, plus the terminal model path.

Profit And Cash Conversion

Net income and free cash flow moving together is usually what separates genuine improvement from noise.

Balance-Sheet Pressure

Cash, net debt and liquidity tell us whether the business is strengthening or just surviving.

Annual Power Curve

Longer-cycle revenue and net income help frame whether the company is compounding or rolling over.
Q3 2024
Consensus
0
Revenue Path
0.00
EPS / Earnings
Growth cue -
Q1 2025
Consensus
0
Revenue Path
0.00
EPS / Earnings
Growth cue -
Q2 2025
Consensus
0
Revenue Path
0.00
EPS / Earnings
Growth cue -
FY 2026
Consensus
705.4M
Revenue Path
-
EPS / Earnings
Growth cue +0.1%
FY 2027
Consensus
758.0M
Revenue Path
-
EPS / Earnings
Growth cue +0.1%

Quarterly Statement Tape

Last 6 Quarters
Period Revenue Net Income FCF Net Debt
Q4 2025 473.0M 99.0M 93.0M 2.4B
Q2 2025 490.0M 15.0M 32.0M 1.9B
Q4 2024 506.0M 99.0M 132.0M -2.1B
Q2 2024 496.0M 63.0M 267.0M 2.2B
Q4 2023 477.0M 43.0M 84.0M 625.0M
Q2 2023 393.0M 25.0M 246.0M 474.0M

Annual Financial Power

Last 5 Years
Period Revenue Net Income EBITDA FCF
FY 2025 897.6M 114.0M 155.0M 125.0M
FY 2024 670.0M 162.0M - 413.0M
FY 2023 826.0M 68.0M 146.0M 367.0M
FY 2022 501.0M 223.0M 52.0M 222.0M
FY 2021 431.0M -20.0M 26.0M -89.0M

Structure DNA

Market Structure DNA

Balanced Structure profile with trend mixed

Price is 77.2% through the 52-week range, -4.4% vs 50DMA and +7.4% vs 200DMA. 85.8% of the register is locked by institutions and insiders, leaving 14.2% free float. Capital rhythm reads no cadence with forward yield near 0.6% and payout around 52.4%.

Trend mixed Institutional gravity Moderate income rhythm As Of 2026-04-19
Balanced Structure
Structure Score
61.1 / 100
Balanced Structure
Trend Stack
-4.4% / +7.4%
vs 50DMA / 200DMA
52W Position
77.2%
auction position inside the yearly range
Ownership Lock
85.8%
27.4% institutions | 58.4% insiders
Pressure Pocket
14.2% free float
Vendor short-float fields were not supplied
Capital Rhythm
No cadence
Yield 0.6% | payout 52.4%
Trend Runway

Implied spot is 2.89 with the stock -4.4% vs 50DMA and +7.4% vs 200DMA. The tape is sitting 77.2% through the 52-week range, which frames the regime as trend mixed.

Ownership Register

Institutions hold about 27.4% and insiders about 58.4%, locking roughly 85.8% of the register and leaving 14.2% in free float. That reads as institutional gravity.

Pressure Pocket

The API did not return a usable short-float field for this ticker, so the pressure score leans more on float lock and crowding than a full short ledger.

Capital Rhythm

Dividend cadence reads no cadence with - event(s) in the last full year, a five-year average of -, and stability score 0.0/100. Forward yield sits near 0.6% while payout is around 52.4%.

Structure Score

One-glance gauge for the current market-structure regime.

Pillar Radar

Trend, ownership, pressure, and capital rhythm mapped on one wheel.

Position And Float Balance

Shows whether the stock is extended, tightly held, or carrying capital-return support.

Dividend Cadence Tape

Historical dividend-event counts help reveal how dependable the income rhythm has been.

Dividend Cadence Ledger

No cadence
Year Dividend Count Context
2026 1 Current partial year

Structure Facts

Live Snapshot
Implied Spot
2.89
derived from market cap / shares
52W High
3.32
upper auction edge
52W Low
1.44
lower auction edge
Beta
0.56
volatility character
Shares Out
545.0M
fully diluted count
Shares Float
501.2M
tradable register
Shares Short
0
borrowed stock
Short Ratio
0.0x
days-to-cover style read
Ex-Dividend
2026-04-09
-10 day(s) to ex-date
Dividend Pay
-
payment date not supplied
Last Split
-
split date not supplied

Capital Radar

Capital Regime
—
Building signal blend...
Smart Money Tilt
—
Public vs institutions
Target Conviction
—
Broker coverage pulse
Insider Pressure
—
Director + TR1 flow
Last Held Position
-
Public Hands
-
Institutions
10.6139
Institutions As Of
2026-04-29
Avg Broker Target
-
Upside Vs Price
-
Purchase Director Dealing
4
Sale Director Dealing
0
Purchase TR1
13
Sale TR1
12
Broker Coverage Rows
0
Institution Holders Tracked
4
Public Vs Institutional Ownership (3D)
Top Institution Holders (Latest Per Holder)
Director Dealing Sentiment Flow
Broker Target Bias
Signal: Pending
Capital Momentum Matrix
Broker Targets Vs Price
Aggregated Institution Weight By Holder

Short Data - Last 30 Days

Nexus Pulse Engine

Overall Buy/Sell/Hold
Signal: Pending
Technical Composite
Signal: Pending
Financial Composite
Signal: Pending
Fundamental Composite
Signal: Pending
Short Pressure
Signal: Pending
Momentum Bias
Signal: Pending

Volatility Lab

ATR(14)
Realized Vol (20d)
Volume Spike Z

AI Charts

News And Alerts First

The alert tape opens the door for PTSB, and AI Charts sits just below.

Start with the headline flow and live catalyst tape first. Then move straight into AI Charts below for price reaction, AI targets, chart structure and catalyst beacons while the news context is still hot.
Live Tape Data 2026-06-01 AI Charts Below
Read the alert tape first, then move into AI Charts below. Use AI Expand on any catalyst card to open the AI explanation and results tables instantly.
2 Today
Catalyst Pulse
Permanent TSB Group Holdings PLC has fresh news flow live now, so the tape is framing the chart workspace below.
14:26 Today's Catalyst Form 8.3 09:17 Today's Catalyst Form 8.3
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30 Day View Window 30D Data 2026-06-01 Open Preview Studio Brief
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Automated signalling scans momentum shifts, crossovers and volatility breaks in real time. Automated AI forecasts map best, average and worst simulation paths forward, predictive MACD extends the momentum story, and catalyst beacons pin market-moving headlines directly onto price action so users can connect news, signals and structure without leaving the chart.

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Indicators0
Technicals0
AI Forecast 4.10%
RSI Gauge
Price Change
AI Forecast