Public bank shall stay put at RM 5 for quite a long term given the fact that its revenues are on the increasing trends. Next its dividend is on the way soon ! Thus its stock price will withstand any shocks along the way! Your question on Public Bank Berhad (PBB) is very relevant now because global markets (especially Wall Street) are volatile. Let me break it down clearly into fundamentals, outlook, and buy/sell view.

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? 1. Current fundamentals of Public Bank Berhad (PBB)

Positives (strong points):
• Revenue is still growing
– Revenue rose about 9% YoY in 2025 
– Latest trailing revenue growth around 8% YoY 
• Asset quality very strong
– Gross impaired loan ratio only 0.5% (very low risk) 
• Capital & efficiency strong
– Cost-to-income ratio ~35% (better than industry) 
– ROE ~12–13% (one of the highest in Malaysian banks) 
• Loan growth still steady
– Loan book expanding ~5–6% annually 

? Overall: PBB is still one of the strongest and safest banks in Malaysia.

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? 2. Why the share price is not moving strongly

Despite good revenue:
• Net profit slightly declined in recent quarter (-3.6%) 
• Net Interest Margin (NIM) compressed due to interest rate changes 
• Global sentiment (Wall Street, geopolitics, interest rates) affecting large-cap banks

? So market sees PBB as defensive, but not high growth.

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? 3. Outlook for 2026 (important for your decision)

Analysts currently are generally positive:
• Target price range from research houses:
• Around RM5.05 – RM5.90 
• Profit forecasts raised recently (Feb 2026) 
• Catalysts:
• NIM recovery in 2026
• Contribution from insurance business (LPI)
• Continued loan growth

? Analysts still maintain BUY / ADD calls

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? 4. Effect of weak Wall Street / global market

You are right to worry. When Wall Street is weak:
• Funds move out of risk assets
• But they also move into defensive dividend stocks

? PBB actually benefits as a defensive stock

That is why analysts say:

PBB can “shine in current market climate as investors take refuge” 

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? 5. My practical view (based on all factors)

Scenario A — Short term (0–6 months)
• Likely sideways movement
• Range around RM4.80 – RM5.30
• Global sentiment dominates

Scenario B — Medium term (1–2 years)
• Gradual upside possible if:
• Interest margin improves
• Malaysia economy stable
• Loan growth continues

? Possible move towards RM5.50–RM5.90 zone

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? 6. Buy / Hold / Sell decision

? Consider BUY if:
• You want stable dividend income
• You want low-risk bank stock
• You invest long-term (2–3 years)

? HOLD if:
• You already own PBB
• You bought around RM4.50–RM5.00

⚠️ Consider SELL or reduce if:
• You want fast capital gain
• You worry about global recession risk
• You need liquidity short-term

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? Final Advice (simple)

? PBB is not a fast-growth stock
? It is a stable, dividend, defensive stock

✔ Revenue growth does strengthen PBB
✔ But share price rise will be slow and gradual

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⭐ My conclusion for you
• Not likely to drop sharply (strong fundamentals)
• Not likely to surge quickly (mature bank)
• Best strategy now = ACCUMULATE slowly on weakness