MYS

Mystate Ltd

Financial Services Banks - Regional

Portfolio

Watchlist

4.99 AUD 0.01 ( 0.20%)

Last update at 2026-11-06T05:10:00Z

VOLUME

114823

Market Cap

851.94M

P/E

16.60

Momentum Score

…

MyState Limited, through its subsidiaries, provides banking, trustee, equipment finance, and managed fund products and services in Australia. It operates through the MyState Bank and Wealth Management segments. The company offers home loans, personal, overdraft, line of credit and commercial products, leasing and commercial hire purchase, transactional savings accounts, fixed term deposits, and insurance products, as well as savings and transactional banking solutions. It also provides fund management and trustee services. The company was incorporated in 2008 and is based in Hobart, Australia.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Day Price Range

4.95

Low

5.03

High

52 Week Price Range

4.04

Low

5.12

High

Momentum Score

…

Loading momentum score…

A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High

AI Summary

MyState Limited is an Australian regional financial services group offering retail banking, mortgage lending, deposit-taking and wealth management to individual and small business customers. Long-term growth may be driven by net interest margin expansion, mortgage and deposit growth, digital distribution and cross-selling of wealth products, which may appeal to investors seeking exposure to a smaller bank franchise.

Principal risks include credit and interest-rate sensitivity in the mortgage portfolio, competitive pressure from major banks and fintechs, regional concentration and funding or regulatory changes that could pressure earnings and capital.

Risk Score

Medium

Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.

Key Metrics*

Previous Close

4.98

Dividend Yield

4.90%

Revenue TTM

251.87M

Revenue Per Share

1.48

Gross Profit TTM

251.87M

Debt / Equity

5.02

ROE

7.53%

Net Debt

3549.49M

ROCE

0.52%

Diluted EPS TTM

0.30

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown	2026-06-30	2025-06-30	2024-06-30	2023-06-30	2022-06-30
Type	yearly	yearly	yearly	yearly	yearly
Date	2026-06-30	2025-06-30	2024-06-30	2023-06-30	2022-06-30
Income before tax	78.92M	53.30M	50.20M	55.19M	45.90M
Net income	56.19M	35.56M	35.29M	38.50M	32.03M
Selling general administrative	83.47M	54.17M	66.06M	65.75M	60.50M
Selling and marketing expenses	-	5.83M	6.11M	10.23M	10.30M
Gross profit	238.96M	186.16M	149.34M	158.97M	138.33M
Reconciled depreciation	-	-	7.29M	7.07M	8.92M
Ebit	78.92M	-	53.97M	48.11M	36.99M
Ebitda	86.00M	60.74M	61.26M	55.19M	45.90M
Depreciation and amortization	7.08M	-	7.29M	7.07M	8.92M
Operating income	78.92M	62.76M	53.48M	48.11M	36.99M
Other operating expenses	718.03M	123.41M	454.72M	102.65M	95.35M
Interest expense	553.91M	-	354.39M	220.38M	49.50M
Tax provision	-	17.74M	14.91M	16.68M	13.88M
Interest income	-	-	478.92M	352.97M	159.75M
Net interest income	-	-	124.54M	132.59M	110.25M
Income tax expense	22.73M	17.74M	14.91M	16.68M	13.88M
Total revenue	796.95M	186.16M	504.93M	158.97M	138.33M
Total operating expenses	160.04M	123.41M	99.13M	102.65M	95.35M
Cost of revenue	557.99M	-	355.59M	-	-
Total other income expense net	-	-9.46M	-3.28M	55.19M	45.90M
Net income from continuing ops	-	-	35.29M	38.50M	32.03M
Net income applicable to common shares	-	35.56M	35.29M	38.50M	32.03M

Breakdown	2026-06-30	2025-06-30	2024-06-30	2023-06-30	2022-06-30
Type	yearly	yearly	yearly	yearly	yearly
Date	2026-06-30	2025-06-30	2024-06-30	2023-06-30	2022-06-30
Total assets	16096.82M	15277.58M	9168.38M	9124.28M	8079.85M
Intangible assets	26.48M	30.38M	-	12.77M	13.69M
Other current assets	-	321.62M	114.54M	-	6163.62M
Total liab	15340.24M	14541.57M	8703.44M	8666.72M	7649.93M
Total stockholder equity	756.58M	736.01M	464.94M	457.56M	429.91M
Other current liab	-	4696.52M	3167.10M	-1717.86M	-
Common stock	498.84M	493.24M	228.60M	225.27M	211.17M
Capital stock	-	-	-	225.27M	211.17M
Retained earnings	258.23M	241.00M	233.50M	223.50M	209.79M
Other liab	-	-	-	-	7.43M
Good will	89.92M	77.57M	65.15M	65.15M	65.15M
Other assets	-	-	-	8910.61M	7871.33M
Cash	245.49M	321.62M	-114.54M	175.78M	160.14M
Total current liabilities	1000.29M	6009.99M	3699.60M	1717.86M	1250.12M
Net debt	3549.49M	1686.51M	2426.59M	1591.90M	1139.74M
Short term debt	1000.29M	1313.47M	532.50M	1717.86M	1250.12M
Short long term debt	-	-	-	1717.86M	1250.12M
Short long term debt total	3794.98M	2008.13M	2312.04M	1767.68M	1299.88M
Other stockholder equity	-	-	-	-451.14M	-423.21M
Property plant equipment	-	-	-	7.98M	10.45M
Total current assets	245.49M	321.62M	114.54M	127.78M	119.22M
Long term investments	-	-	-	928.15M	833.40M
Net tangible assets	-	-	-	-	351.07M
Short term investments	-	-	-	928.15M	833.40M
Net receivables	-	-	-	-	42.31M
Long term debt	-	-	-	49.82M	49.76M
Accounts payable	-	-	-	-	6315.52M
Accumulated other comprehensive income	-0.49M	1.77M	2.83M	8.79M	8.96M
Non currrent assets other	34.26M	15142.01M	8975.17M	-85.90M	-89.30M
Non current assets total	15851.33M	15277.58M	9053.83M	85.90M	89.30M
Long term debt total	-	-	-	1922.38M	1299.88M

Breakdown	2026-06-30	2025-06-30	2024-06-30	2023-06-30	2022-06-30
Type	yearly	yearly	yearly	yearly	yearly
Date	2026-06-30	2025-06-30	2024-06-30	2023-06-30	2022-06-30
Investments	-	-	-12.46M	-5.18M	-0.28M
Change to liabilities	-	-	-	-	3.62M
Total cashflows from investing activities	-889.31M	88.92M	-12.46M	-5.18M	-0.28M
Net borrowings	-	-	-1.68M	97.88M	113.14M
Total cash from financing activities	725.93M	373.05M	-22.39M	87.32M	88.61M
Change to operating activities	-	-	-	-	-1370.52M
Net income	56.19M	35.56M	35.29M	38.50M	32.03M
Change in cash	-	207.08M	-13.23M	8.56M	38.95M
Begin period cash flow	321.62M	114.54M	127.78M	119.22M	80.27M
End period cash flow	-	321.62M	114.54M	127.78M	119.22M
Total cash from operating activities	90.10M	-254.90M	21.61M	-943.63M	-1452.97M
Issuance of capital stock	-	-	0.04M	0.05M	0.06M
Depreciation	-	8.69M	7.29M	5.53M	3.29M
Other cashflows from investing activities	-956.42M	-5.25M	-11.77M	-900.05M	4.76M
Dividends paid	33.42M	27.71M	22.16M	10.61M	24.59M
Sale purchase of stock	-	0.21M	0.04M	-868.12M	-1417.08M
Other cashflows from financing activities	681.02M	453.62M	1.42M	967.99M	1543.64M
Change to netincome	-	-	-	-	-4.38M
Capital expenditures	8.63M	1.02M	12.46M	5.18M	5.04M
Change in working capital	18.59M	-145.86M	-3.98M	-259.69M	-175.13M
Stock based compensation	-	0.50M	0.58M	0.29M	0.23M
Other non cash items	15.32M	-153.79M	-9.70M	-987.95M	-1488.51M
Free cash flow	81.47M	-255.92M	18.88M	-948.82M	-1458.01M

Peer Comparison*

Sector: Financial Services Industry: Banks - Regional

Stock Name	Change (AUD)	Price (AUD)	Trailing PE (x)	Forward PE (x)	Price Sales TTM (x)	Price to Book Value (x)	Enterprise Value to Revenue (x)
MYS Mystate Ltd	0.01 0.20%	4.99	16.60	13.33	3.38	1.13	21.50
BEN Bendigo and Adelaide Bank Ltd	0.16 1.50%	10.83	16.94	12.17	3.16	0.91	7.05
BENPH Bendigo and Adelaide Bank Ltd	0.18 0.18%	102.29	107.08	-	-	-	-
BOQ Bank of Queensland Ltd	0.03 0.43%	7.01	18.86	12.09	2.92	0.80	11.45
BOQPF Bank of Queensland Ltd	-0.01 0.01%	100.80	166.53	-	-	-	-

Profile*

Mystate Ltd

Address

137 Harrington Street, Hobart, TAS, Australia, 7000

Contact

61 3 138 001

Website

https://www.mystatelimited.com.au

Name	Title	Year Born
Mr. Brett Alexander Morgan BEC	MD, CEO & Director	NA
Mr. Gary Dickson B.Com., F.C.A., M.B.A.	Chief Financial Officer	NA
Mr. Paul Moss B.E., BEng (Hons)	Chief Operating Officer	NA
Ms. Heather McGovern B.A.	Gen. Mang. of Digital & Marketing	NA
Ms. Janelle Whittle B.Com.	Gen. Mang. People, Community & Public Affairs	NA
Ms. Mandakini Khanna B.Com., BCom, Post Dip, Post DipBA	Chief Risk Officer	NA
Mr. Alan Logan	Gen. Mang. Wealth Management	NA
Mr. Greg Slade	Investor Relation Professional	NA
Mr. Scott A. Lukianenko Ad Dip BMgmt, CertGov(Prac), Grad Cert BA, GIA (C	Company Sec.	NA
Claudio Mazzarella	General Manager of Everyday Banking & Marketing	NA

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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