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Metropolitan Bank & Trust CoPHS:MBT -1.48%87 3-Year Book Growth Rate is 9.80% as of Mar. 2026, which is 23% above its 10-year median of 7.95. GuruFocus rates PHS:MBT with a GF Score™ of 87/100 and a GF Value™ of ₱79.05 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 1,498 Banks companies, Metropolitan Bank & Trust Co ranks better than 56.61% on this metric.
During the past 12 months, Metropolitan Bank & Trust Co's average Book Value per Share Growth Rate was 5.10% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 9.80% per year.
During the past 5 years, the average Book Value per Share Growth Rate was 5.90% per year.
During the past 10 years, the average Book Value per Share Growth Rate was 6.10% 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 Metropolitan Bank & Trust Co was 13.60% per year. The lowest was 0.90% per year. And the median was 7.95% per year.
Metropolitan Bank & Trust Co (PHS:MBT) 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.
Metropolitan Bank & Trust Co 3-Year Book Growth Rate Related Terms
Metropolitan Bank & Trust Co 3-Year Book Growth Rate Competitor Comparison
For the Banks - Regional subindustry, Metropolitan Bank & Trust Co'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.
Metropolitan Bank & Trust Co 3-Year Book Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, Metropolitan Bank & Trust Co's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where Metropolitan Bank & Trust Co's 3-Year Book Growth Rate falls into.
Metropolitan Bank & Trust Co 3-Year Book Growth Rate Calculation
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 9.80% mean?
Metropolitan Bank & Trust Co (PHS:MBT) has a 3-Year Book Growth Rate of 9.80% 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 Metropolitan Bank & Trust Co and its competitors. This is 23% above median its historical median of 7.95. Over the past decade, Metropolitan Bank & Trust Co's 3-Year Book Growth Rate has ranged from 0.90 to 13.60. According to the industry distribution chart, Metropolitan Bank & Trust Co ranks #650 out of 1498 companies in the Banks industry, placing it in the top 43.4%.
Is Metropolitan Bank & Trust Co's 3-Year Book Growth Rate too high?
Metropolitan Bank & Trust Co's current 3-Year Book Growth Rate of 9.80% is 23% above median its 10-year median of 7.95. Over the past 10 years, this metric has ranged from a low of 0.90 to a high of 13.60. The Banks industry median 3-Year Book Growth Rate is 8.70. Metropolitan Bank & Trust Co's value of 9.80% is 12.6% above this industry median. Based on the distribution chart, Metropolitan Bank & Trust Co ranks #650 out of 1498 companies in the Banks industry, which is above the industry midpoint. Overall, Metropolitan Bank & Trust Co has a GF Score™ of 87/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Metropolitan Bank & Trust Co's 3-Year Book Growth Rate compare to competitors?
According to the Banks industry distribution chart, Metropolitan Bank & Trust Co ranks #650 out of 1498 companies for 3-Year Book Growth Rate. This puts Metropolitan Bank & Trust Co in the upper half of its industry. The industry median 3-Year Book Growth Rate is 8.70. Metropolitan Bank & Trust Co's value of 9.80% is 12.6% above this benchmark. Historically, Metropolitan Bank & Trust Co's own 3-Year Book Growth Rate has ranged from 0.90 to 13.60 over the past decade. While the company's 10-year median is 7.95 vs. the industry median of 8.70, Metropolitan Bank & Trust Co 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 1,498 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. Metropolitan Bank & Trust Co's current 3-Year Book Growth Rate of 9.80% is 12.6% 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 Metropolitan Bank & Trust Co 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. Metropolitan Bank & Trust Co's current 3-Year Book Growth Rate is 9.80%, which is 23% above median its own 10-year median of 7.95. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Metropolitan Bank & Trust Co stock overvalued right now?
Based on GuruFocus' analysis, Metropolitan Bank & Trust Co (PHS:MBT) is currently considered Modestly Undervalued. The stock's GF Value™ is ₱79.05, compared to a current price of ₱66.50 — trading 15.9% below its estimated fair value. The current 3-Year Book Growth Rate is 9.80%, which is 23% above median its 10-year median of 7.95 and 12.6% above the Banks industry median of 8.70. Metropolitan Bank & Trust Co's overall GF Score™ is 87/100 with 2 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 Metropolitan Bank & Trust Co (PHS:MBT), the current 3-Year Book Growth Rate is 9.80% 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 Metropolitan Bank & Trust Co (PHS:MBT) Overvalued in 2026?
Based on GuruFocus' analysis, Metropolitan Bank & Trust Co stock appears to be undervalued.
The current stock price of ₱66.50 is trading 15.9% below its estimated GF Value™ of ₱79.05.
GuruFocus considers Metropolitan Bank & Trust Co to be Modestly Undervalued.
Key valuation signals for PHS:MBT:
3-Year Book Growth Rate: 9.80% (23% above median its 10-year median of 7.95)
GF Value™: ₱79.05 vs. price of ₱66.50 (15.9% below fair value)
Industry Position: 12.6% above the Banks median (#650 of 1498)
No single metric tells the full story. See the PHS:MBT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Metropolitan Bank & Trust Co is a Filipino bank that provides a diverse range of banking and collateral services. The company has different segments namely Consumer Banking, Corporate Banking, Investment Banking, Treasury, Branch Banking and Others. It derives maximum revenue from Corporate Banking. The Group operates in Philippines, Asia other than Philippines, USA and Europe.
87GF Score
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