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China BankingPHS:CBC 74 3-Year Book Growth Rate is 12.40% as of Mar. 2026, which is 33% above its 10-year median of 9.30. GuruFocus rates PHS:CBC with a GF Score™ of 74/100 and a GF Value™ of ₱58.77 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,496 Banks companies, China Banking ranks better than 70.05% on this metric.
During the past 12 months, China Banking's average Book Value per Share Growth Rate was 9.80% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 12.40% per year.
During the past 5 years, the average Book Value per Share Growth Rate was 12.60% per year.
During the past 10 years, the average Book Value per Share Growth Rate was 10.60% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
During the past 13 years, the highest 3-Year average Book Value per Share Growth Rate of China Banking was 15.30% per year. The lowest was 3.70% per year. And the median was 9.30% per year.
China Banking (PHS:CBC) 3-Year Book Growth Rate Explanation
Book Value per Share is the ratio of equity available to common shareholders divided by the shares outstanding. Book value per share effectively indicates a firm's net asset value on a per-share basis. It can be used by investors to gauge whether a stock price is undervalued by comparing it to the firm's market value per share. Theoretically, it is what the shareholders will receive if the company is liquidated.
China Banking 3-Year Book Growth Rate Related Terms
China Banking 3-Year Book Growth Rate Competitor Comparison
For the Banks - Regional subindustry, China Banking's 3-Year Book Growth Rate, along with its competitors' market caps and 3-Year Book Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
China Banking 3-Year Book Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, China Banking's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where China Banking's 3-Year Book Growth Rate falls into.
This is the 3-year average growth rate of Book Value per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
What does a 3-Year Book Growth Rate of 12.40% mean?
China Banking (PHS:CBC) has a 3-Year Book Growth Rate of 12.40% as of Mar. 2026. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for China Banking and its competitors. This is 33% above median its historical median of 9.30. Over the past decade, China Banking's 3-Year Book Growth Rate has ranged from 3.70 to 15.30. According to the industry distribution chart, China Banking ranks #448 out of 1496 companies in the Banks industry, placing it in the top 29.9%.
Is China Banking's 3-Year Book Growth Rate too high?
China Banking's current 3-Year Book Growth Rate of 12.40% is 33% above median its 10-year median of 9.30. Over the past 10 years, this metric has ranged from a low of 3.70 to a high of 15.30. The Banks industry median 3-Year Book Growth Rate is 8.70. China Banking's value of 12.40% is 42.5% above this industry median. Based on the distribution chart, China Banking ranks #448 out of 1496 companies in the Banks industry, which is above the industry midpoint. Overall, China Banking has a GF Score™ of 74/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does China Banking's 3-Year Book Growth Rate compare to competitors?
According to the Banks industry distribution chart, China Banking ranks #448 out of 1496 companies for 3-Year Book Growth Rate. This puts China Banking in the upper half of its industry. The industry median 3-Year Book Growth Rate is 8.70. China Banking's value of 12.40% is 42.5% above this benchmark. Historically, China Banking's own 3-Year Book Growth Rate has ranged from 3.70 to 15.30 over the past decade. While the company's 10-year median is 9.30 vs. the industry median of 8.70, China Banking has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Book Growth Rate for a Banks company?
The median 3-Year Book Growth Rate among Banks companies is 8.70, based on 1,496 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Book Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Book Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. China Banking's current 3-Year Book Growth Rate of 12.40% is 42.5% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year Book Growth Rate mean?
A high 3-Year Book Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for China Banking and its competitors. For the Banks industry, the median 3-Year Book Growth Rate is 8.70 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. China Banking's current 3-Year Book Growth Rate is 12.40%, which is 33% above median its own 10-year median of 9.30. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is China Banking stock overvalued right now?
Based on GuruFocus' analysis, China Banking (PHS:CBC) is currently considered Fairly Valued. The stock's GF Value™ is ₱58.77, compared to a current price of ₱54.00 — trading 8.1% below its estimated fair value. The current 3-Year Book Growth Rate is 12.40%, which is 33% above median its 10-year median of 9.30 and 42.5% above the Banks industry median of 8.70. China Banking's overall GF Score™ is 74/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Book Growth Rate calculated?
3-Year Book Growth Rate is calculated from a company's financial statements. For China Banking (PHS:CBC), the current 3-Year Book Growth Rate is 12.40% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is China Banking (PHS:CBC) Overvalued in 2026?
Based on GuruFocus' analysis, China Banking stock appears to be undervalued.
The current stock price of ₱54.00 is trading 8.1% below its estimated GF Value™ of ₱58.77.
GuruFocus considers China Banking to be Fairly Valued.
Key valuation signals for PHS:CBC:
3-Year Book Growth Rate: 12.40% (33% above median its 10-year median of 9.30)
GF Value™: ₱58.77 vs. price of ₱54.00 (8.1% below fair value)
Industry Position: 42.5% above the Banks median (#448 of 1496)
No single metric tells the full story. See the PHS:CBC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
China Banking Corp is a commercial bank engaged in corporate and SME lending, retail loans including mortgage and auto loans, treasury and foreign exchange trading, trust and investment management, wealth management, cash management, and insurance products. The group's five business segments, namely, Institutional Banking, Consumer Banking, Retail Banking Business, Financial Markets, and Others, which include credit management, thrift banking business, operations and financial control, and other support services. The majority of the company's revenue comes from the Retail Banking Business.
74GF Score
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