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Philippine Business BankPHS:PBB 61 3-Year Book Growth Rate is 5.00% as of Mar. 2026, which is 43% below its 10-year median of 8.80. GuruFocus rates PHS:PBB with a GF Score™ of 61/100 and a GF Value™ of ₱8.71 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 1,497 Banks companies, Philippine Business Bank ranks worse than 73.95% on this metric.
During the past 12 months, Philippine Business Bank's average Book Value per Share Growth Rate was 5.20% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 5.00% per year.
During the past 5 years, the average Book Value per Share Growth Rate was 3.40% per year.
During the past 10 years, the average Book Value per Share Growth Rate was 6.90% 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 Philippine Business Bank was 27.70% per year. The lowest was -70.20% per year. And the median was 8.80% per year.
Philippine Business Bank (PHS:PBB) 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.
Philippine Business Bank 3-Year Book Growth Rate Related Terms
PHS:PBB vs PNC, USB: 3-Year Book Growth Rate Comparison
For the Banks - Regional subindustry, Philippine Business Bank'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.
Philippine Business Bank 3-Year Book Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, Philippine Business Bank's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where Philippine Business Bank's 3-Year Book Growth Rate falls into.
Philippine Business Bank 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 5.00% mean?
Philippine Business Bank (PHS:PBB) has a 3-Year Book Growth Rate of 5.00% 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 Philippine Business Bank and its competitors. This is 43% below median its historical median of 8.80. According to the industry distribution chart, Philippine Business Bank ranks #1107 out of 1497 companies in the Banks industry, placing it in the top 73.9%.
Is Philippine Business Bank's 3-Year Book Growth Rate too high?
Philippine Business Bank's current 3-Year Book Growth Rate of 5.00% is 43% below median its 10-year median of 8.80. The Banks industry median 3-Year Book Growth Rate is 8.80. Philippine Business Bank's value of 5.00% is 43.2% below this industry median. Based on the distribution chart, Philippine Business Bank ranks #1107 out of 1497 companies in the Banks industry, which is below the industry midpoint. Overall, Philippine Business Bank has a GF Score™ of 61/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Philippine Business Bank's 3-Year Book Growth Rate compare to PNC and USB?
According to the Banks industry distribution chart, Philippine Business Bank ranks #1107 out of 1497 companies for 3-Year Book Growth Rate. This places Philippine Business Bank in the lower half of its industry. The industry median 3-Year Book Growth Rate is 8.80. Philippine Business Bank's value of 5.00% is 43.2% below this benchmark. While the company's 10-year median is 8.80 vs. the industry median of 8.80, Philippine Business Bank has consistently been below 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 8.80, based on 1,497 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. Philippine Business Bank's current 3-Year Book Growth Rate of 5.00% is 43.2% below 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 Philippine Business Bank and its competitors. For the Banks industry, the median 3-Year Book Growth Rate is 8.80 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Philippine Business Bank's current 3-Year Book Growth Rate is 5.00%, which is 43% below median its own 10-year median of 8.80. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Philippine Business Bank stock overvalued right now?
Based on GuruFocus' analysis, Philippine Business Bank (PHS:PBB) is currently considered Modestly Undervalued. The stock's GF Value™ is ₱8.71, compared to a current price of ₱7.08 — trading 18.7% below its estimated fair value. The current 3-Year Book Growth Rate is 5.00%, which is 43% below median its 10-year median of 8.80 and 43.2% below the Banks industry median of 8.80. Philippine Business Bank's overall GF Score™ is 61/100 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 Philippine Business Bank (PHS:PBB), the current 3-Year Book Growth Rate is 5.00% 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 Philippine Business Bank (PHS:PBB) Overvalued in 2026?
Based on GuruFocus' analysis, Philippine Business Bank stock appears to be undervalued.
The current stock price of ₱7.08 is trading 18.7% below its estimated GF Value™ of ₱8.71.
GuruFocus considers Philippine Business Bank to be Modestly Undervalued.
Key valuation signals for PHS:PBB:
3-Year Book Growth Rate: 5.00% (43% below median its 10-year median of 8.80)
GF Value™: ₱8.71 vs. price of ₱7.08 (18.7% below fair value)
Industry Position: 43.2% below the Banks median (#1107 of 1497)
No single metric tells the full story. See the PHS:PBB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Philippine Business Bank engages in the business of thrift banking. The company provides banking and financial services including cash management, retail and corporate lending, deposit products, international trade finance, treasury, and trust products. The company's predominant operating segments are Consumer Banking which includes auto financing, home financing, and salary or personal loans; Corporate Banking which includes term loans, working capital credit lines, bills purchase, and discounting lines; and Treasury Operations engages in managing the liquidity of the Bank and its trading and investment activities. The majority of its revenue comes from the Corporate Banking segment.
61GF Score
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