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MyState
MyState (MYS) investor relations material
MyState H1 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H1 2026 earnings summary20 Feb, 2026
Executive summary
Underlying NPAT rose 61.2% year-over-year to AUD 28.2 million, with statutory NPAT up 71.4% year-over-year and 39% sequentially to AUD 27.3 million, driven by merger synergies, increased scale, and the full-period inclusion of Auswide Bank and Selfco.
Integration of MyState and Auswide progressing, with 98 of 215 initiatives complete, transition to a single banking license, and annualized run rate synergies of AUD 10.4 million achieved.
Announced move to a single retail bank brand, MyState, and progress on a unified core banking system.
Interim dividend of AUD 0.12 per share, fully franked, declared, up from AUD 0.105 per share in 1H 2025.
Financial highlights
Underlying NPAT of AUD 28.2 million, up 18.4% on prior period; statutory NPAT AUD 27.3 million, up 39% sequentially and 71.4% year-over-year.
Underlying EPS rose 11.1% to 16.6 cents per share; statutory EPS up 30.4% to 16.1 cents.
Net interest income increased 63.3% year-over-year to AUD 104.2 million; total operating income up 14.1% to AUD 125.2 million.
Equipment finance (Selfco) loan book grew 64% over the half and 135% since merger, contributing AUD 1.8 million to NPAT.
Interim dividend payout ratio at 72.2% of underlying NPAT; DRP offered at 1.5% discount.
Outlook and guidance
Targeting home loan growth at or above market, with focus on scaling equipment finance and wealth businesses for higher ROE and EPS accretion.
Integration synergies expected to reach AUD 20–25 million pre-tax annually by FY 2028; integration cost guidance unchanged at AUD 29 million.
Projected double-digit EPS growth based on full merger run rate synergies.
Ongoing investment in digital and core banking systems to support growth.
Progress on FY28 merger synergy targets
Rationale for Tier 2 subordinated note repayments?
Home loan portfolio growth strategy post-merger?
Integration cost vs. synergy realization timing
Capital allocation: Selfco vs. home loan growth?
Deposit strategy impact on future NIM?
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Next MyState earnings date
H2 202618 Aug, 2026
MyState
Next MyState earnings date
H2 202618 Aug, 2026
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Frequently asked questions
MyState Limited is an Australian diversified financial services group that was established in September 2009, following the merger of MyState Financial and TPT Wealth. It further expanded its operations by acquiring The Rock Building Society in December 2011. The company is known for offering a wide range of financial products and services including banking, trustee, and wealth management services across Australia. It operates through its subsidiaries, MyState Bank and TPT Wealth, which provide services such as personal and commercial lending, savings and investment products, insurance, estate planning, and wealth management. MyState Limited is headquartered in Hobart, Tasmania, and its shares are listed on the ASX .
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