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Philippine National BankPHS:PNB -0.19%72 3-Year Book Growth Rate is 12.40% as of Jun. 2026, which is 97% above its 10-year median of 6.30. GuruFocus rates PHS:PNB with a GF Score™ of 72/100 and a GF Value™ of ₱35.64 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,487 Banks companies, Philippine National Bank ranks better than 70.14% on this metric.
During the past 12 months, Philippine National Bank's average Book Value per Share Growth Rate was 8.40% 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 9.60% per year.
During the past 10 years, the average Book Value per Share Growth Rate was 6.30% 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 National Bank was 20.20% per year. The lowest was -2.60% per year. And the median was 6.30% per year.
Philippine National Bank (PHS:PNB) 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 National Bank 3-Year Book Growth Rate Related Terms
Philippine National Bank 3-Year Book Growth Rate Competitor Comparison
For the Banks - Regional subindustry, Philippine National 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 National Bank 3-Year Book Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, Philippine National Bank's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where Philippine National Bank's 3-Year Book Growth Rate falls into.
Philippine National 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 12.40% mean?
Philippine National Bank (PHS:PNB) has a 3-Year Book Growth Rate of 12.40% as of Jun. 2026. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Philippine National Bank and its competitors. This is 97% above median its historical median of 6.30. According to the industry distribution chart, Philippine National Bank ranks #444 out of 1487 companies in the Banks industry, placing it in the top 29.9%.
Is Philippine National Bank's 3-Year Book Growth Rate too high?
Philippine National Bank's current 3-Year Book Growth Rate of 12.40% is 97% above median its 10-year median of 6.30. The Banks industry median 3-Year Book Growth Rate is 8.80. Philippine National Bank's value of 12.40% is 40.9% above this industry median. Based on the distribution chart, Philippine National Bank ranks #444 out of 1487 companies in the Banks industry, which is above the industry midpoint. Overall, Philippine National Bank has a GF Score™ of 72/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Philippine National Bank's 3-Year Book Growth Rate compare to competitors?
According to the Banks industry distribution chart, Philippine National Bank ranks #444 out of 1487 companies for 3-Year Book Growth Rate. This puts Philippine National Bank in the upper half of its industry. The industry median 3-Year Book Growth Rate is 8.80. Philippine National Bank's value of 12.40% is 40.9% above this benchmark. While the company's 10-year median is 6.30 vs. the industry median of 8.80, Philippine National Bank 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 8.80, based on 1,487 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 National Bank's current 3-Year Book Growth Rate of 12.40% is 40.9% 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 Philippine National 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 National Bank's current 3-Year Book Growth Rate is 12.40%, which is 97% above median its own 10-year median of 6.30. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Philippine National Bank stock overvalued right now?
Based on GuruFocus' analysis, Philippine National Bank (PHS:PNB) is currently considered Significantly Overvalued. The stock's GF Value™ is ₱35.64, compared to a current price of ₱77.85 — trading 118.4% above its estimated fair value. The current 3-Year Book Growth Rate is 12.40%, which is 97% above median its 10-year median of 6.30 and 40.9% above the Banks industry median of 8.80. Philippine National Bank's overall GF Score™ is 72/100 with 6 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 National Bank (PHS:PNB), the current 3-Year Book Growth Rate is 12.40% as of Jun. 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 National Bank (PHS:PNB) Overvalued in 2026?
Based on GuruFocus' analysis, Philippine National Bank stock appears to be overvalued.
The current stock price of ₱77.85 is trading 118.4% above its estimated GF Value™ of ₱35.64.
GuruFocus considers Philippine National Bank to be Significantly Overvalued.
Key valuation signals for PHS:PNB:
3-Year Book Growth Rate: 12.40% (97% above median its 10-year median of 6.30)
GF Value™: ₱35.64 vs. price of ₱77.85 (118.4% above fair value)
Industry Position: 40.9% above the Banks median (#444 of 1487)
No single metric tells the full story. See the PHS:PNB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Philippine National Bank provides a full range of banking and other financial services, which include deposit-taking, lending, bills discounting, trade finance, foreign exchange dealings, treasury operations, wealth management, fund transfers, remittance and trust services. Business segments are Retail Banking which principally handling individual customers deposits, and providing consumer type loans; Corporate Banking which principally handling loans and other credit facilities and deposit; Treasury which principally providing money market, treasury services; Other Segments. The company generates majority of interest from Retail Banking. It has presence in Philippines, Asia (excluding Philippines), USA and Canada, United Kingdom of which majority of revenue comes from Philippines.
72GF Score
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