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Home CompaniesMystate Ltd

Mystate Ltd

Financial Services Banks - Regional
PortfolioPortfolio WatchlistWatchlist
Company price
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

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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

Key Financials*

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

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.

137 Harrington Street, Hobart, TAS, Australia, 7000

61 3 138 001

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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