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Philippinevings BankPHS:PSB -0.57%57 3-Year Book Growth Rate is 7.50% as of Mar. 2026, which is at its 10-year median of 7.50. GuruFocus rates PHS:PSB with a GF Score™ of 57/100 and a GF Value™ of ₱59.76 (Modestly Undervalued). The stock has 1 warning sign investors should review. Among 1,497 Banks companies, Philippinevings Bank ranks worse than 57.92% on this metric.
During the past 12 months, Philippinevings Bank's average Book Value per Share Growth Rate was 1.80% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 7.50% per year.
During the past 5 years, the average Book Value per Share Growth Rate was 6.60% per year.
During the past 10 years, the average Book Value per Share Growth Rate was 4.60% 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 Philippinevings Bank was 21.70% per year. The lowest was -0.50% per year. And the median was 7.50% per year.
Philippinevings Bank (PHS:PSB) 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.
Philippinevings Bank 3-Year Book Growth Rate Related Terms
Philippinevings Bank 3-Year Book Growth Rate Competitor Comparison
For the Banks - Regional subindustry, Philippinevings 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.
Philippinevings Bank 3-Year Book Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, Philippinevings Bank's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where Philippinevings Bank's 3-Year Book Growth Rate falls into.
Philippinevings 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 7.50% mean?
Philippinevings Bank (PHS:PSB) has a 3-Year Book Growth Rate of 7.50% 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 Philippinevings Bank and its competitors. This is near median its historical median of 7.50. According to the industry distribution chart, Philippinevings Bank ranks #867 out of 1497 companies in the Banks industry, placing it in the top 57.9%.
Is Philippinevings Bank's 3-Year Book Growth Rate too high?
Philippinevings Bank's current 3-Year Book Growth Rate of 7.50% is near median its 10-year median of 7.50. The Banks industry median 3-Year Book Growth Rate is 8.70. Philippinevings Bank's value of 7.50% is 13.8% below this industry median. Based on the distribution chart, Philippinevings Bank ranks #867 out of 1497 companies in the Banks industry, which is below the industry midpoint. Overall, Philippinevings Bank has a GF Score™ of 57/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Philippinevings Bank's 3-Year Book Growth Rate compare to competitors?
According to the Banks industry distribution chart, Philippinevings Bank ranks #867 out of 1497 companies for 3-Year Book Growth Rate. This places Philippinevings Bank in the lower half of its industry. The industry median 3-Year Book Growth Rate is 8.70. Philippinevings Bank's value of 7.50% is 13.8% below this benchmark. While the company's 10-year median is 7.50 vs. the industry median of 8.70, Philippinevings 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 8.70, 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. Philippinevings Bank's current 3-Year Book Growth Rate of 7.50% is 13.8% 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 Philippinevings Bank 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. Philippinevings Bank's current 3-Year Book Growth Rate is 7.50%, which is near median its own 10-year median of 7.50. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Philippinevings Bank stock overvalued right now?
Based on GuruFocus' analysis, Philippinevings Bank (PHS:PSB) is currently considered Modestly Undervalued. The stock's GF Value™ is ₱59.76, compared to a current price of ₱52.50 — trading 12.1% below its estimated fair value. The current 3-Year Book Growth Rate is 7.50%, which is near median its 10-year median of 7.50 and 13.8% below the Banks industry median of 8.70. Philippinevings Bank's overall GF Score™ is 57/100 with 1 warning sign 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 Philippinevings Bank (PHS:PSB), the current 3-Year Book Growth Rate is 7.50% 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 Philippinevings Bank (PHS:PSB) Overvalued in 2026?
Based on GuruFocus' analysis, Philippinevings Bank stock appears to be undervalued.
The current stock price of ₱52.50 is trading 12.1% below its estimated GF Value™ of ₱59.76.
GuruFocus considers Philippinevings Bank to be Modestly Undervalued.
Key valuation signals for PHS:PSB:
3-Year Book Growth Rate: 7.50% (near median its 10-year median of 7.50)
GF Value™: ₱59.76 vs. price of ₱52.50 (12.1% below fair value)
Industry Position: 13.8% below the Banks median (#867 of 1497)
No single metric tells the full story. See the PHS:PSB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Philippine Savings Bank is a Philippines-based consumer banking company. Its services can be summed up as deposits, loans, treasury, and trust functions offered to the consumer and commercial market. The company's reportable segments are Consumer Banking, Corporate Banking, Branch Banking, and Treasury. Maximum revenue is generated from the Branch Banking segment, which serves as the bank's main customer touch point, offering consumer and corporate banking products. The Consumer and Corporate Banking segments provide loans and other credit facilities to individuals, small and medium enterprises, and corporate and institutional customers. The Treasury segment principally handles institutional deposit accounts, providing money market, trading, and treasury services etc.
57GF Score
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