PTSB

Permanent tsb Group Holdings PLC

OPPORTUNISTIC BUY Analysis generated 2026-10-04 Market data as of 2026-11-12 Market data 3 days old EUR 2.97 Financial Services - Banks - RegionalREDUCE ZONE

ACTIONABLEMethodology gates passed

Position levels

Currenttoday

EUR 2.97

Buy <=wait / entry

EUR 2.46

Trim >=take some off

EUR 2.97

Thesis breakThe investment thesis is invalidated if the BAWAG scheme is formally terminated,...

Scenario-weighted conviction

	Probability	Score	Contribution
Bull case	25%	100 / 100	25.0
Base case	50%	62 / 100	31.0
Bear case	25%	10 / 100	2.5
Weighted conviction			59 / 100 - OPPORTUNISTIC BUY

Top risks

M&A activity: recommended cash acquisition by BAWAG PSK with shareholder approval on 30 July 2026 and High Court sanction hearing scheduled for 27 October 2026
Earnings growth: H1 2026 underlying profit before tax +34% YoY to EUR 68m, net interest income +9% to EUR 313m, EPS pre-exceptional 6.6c
Guidance improvement: cost/income ratio targeted below 70% in 2026 and below 60% by 2028

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Research is for informational purposes only. Not financial advice. All analysis reflects the date of publication.