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Rizal Commercial BankingPHS:RCB +0.22%77 3-Year Book Growth Rate is 3.00% as of Mar. 2026, which is 42% below its 10-year median of 5.15. GuruFocus rates PHS:RCB with a GF Score™ of 77/100 and a GF Value™ of ₱29.86 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 1,496 Banks companies, Rizal Commercial Banking ranks worse than 82.49% on this metric.
During the past 12 months, Rizal Commercial Banking's average Book Value per Share Growth Rate was -6.60% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 3.00% per year.
During the past 5 years, the average Book Value per Share Growth Rate was 4.50% per year.
During the past 10 years, the average Book Value per Share Growth Rate was 5.70% 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 Rizal Commercial Banking was 16.80% per year. The lowest was -2.40% per year. And the median was 5.15% per year.
Rizal Commercial Banking (PHS:RCB) 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.
Rizal Commercial Banking 3-Year Book Growth Rate Related Terms
Rizal Commercial Banking 3-Year Book Growth Rate Competitor Comparison
For the Banks - Regional subindustry, Rizal Commercial 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.
Rizal Commercial Banking 3-Year Book Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, Rizal Commercial Banking's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where Rizal Commercial Banking's 3-Year Book Growth Rate falls into.
Rizal Commercial Banking 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 3.00% mean?
Rizal Commercial Banking (PHS:RCB) has a 3-Year Book Growth Rate of 3.00% 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 Rizal Commercial Banking and its competitors. This is 42% below median its historical median of 5.15. According to the industry distribution chart, Rizal Commercial Banking ranks #1234 out of 1496 companies in the Banks industry, placing it in the top 82.5%.
Is Rizal Commercial Banking's 3-Year Book Growth Rate too high?
Rizal Commercial Banking's current 3-Year Book Growth Rate of 3.00% is 42% below median its 10-year median of 5.15. The Banks industry median 3-Year Book Growth Rate is 8.70. Rizal Commercial Banking's value of 3.00% is 65.5% below this industry median. Based on the distribution chart, Rizal Commercial Banking ranks #1234 out of 1496 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Rizal Commercial Banking has a GF Score™ of 77/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Rizal Commercial Banking's 3-Year Book Growth Rate compare to competitors?
According to the Banks industry distribution chart, Rizal Commercial Banking ranks #1234 out of 1496 companies for 3-Year Book Growth Rate. This places Rizal Commercial Banking in the lower half of its industry. The industry median 3-Year Book Growth Rate is 8.70. Rizal Commercial Banking's value of 3.00% is 65.5% below this benchmark. While the company's 10-year median is 5.15 vs. the industry median of 8.70, Rizal Commercial Banking 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 1,496 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. Rizal Commercial Banking's current 3-Year Book Growth Rate of 3.00% is 65.5% 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 Rizal Commercial 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. Rizal Commercial Banking's current 3-Year Book Growth Rate is 3.00%, which is 42% below median its own 10-year median of 5.15. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Rizal Commercial Banking stock overvalued right now?
Based on GuruFocus' analysis, Rizal Commercial Banking (PHS:RCB) is currently considered Modestly Undervalued. The stock's GF Value™ is ₱29.86, compared to a current price of ₱23.05 — trading 22.8% below its estimated fair value. The current 3-Year Book Growth Rate is 3.00%, which is 42% below median its 10-year median of 5.15 and 65.5% below the Banks industry median of 8.70. Rizal Commercial Banking's overall GF Score™ is 77/100 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 Rizal Commercial Banking (PHS:RCB), the current 3-Year Book Growth Rate is 3.00% 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 Rizal Commercial Banking (PHS:RCB) Overvalued in 2026?
Based on GuruFocus' analysis, Rizal Commercial Banking stock appears to be undervalued.
The current stock price of ₱23.05 is trading 22.8% below its estimated GF Value™ of ₱29.86.
GuruFocus considers Rizal Commercial Banking to be Modestly Undervalued.
Key valuation signals for PHS:RCB:
3-Year Book Growth Rate: 3.00% (42% below median its 10-year median of 5.15)
GF Value™: ₱29.86 vs. price of ₱23.05 (22.8% below fair value)
Industry Position: 65.5% below the Banks median (#1234 of 1496)
No single metric tells the full story. See the PHS:RCB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Rizal Commercial Banking Corporation is a bank. The company provides banking and financial products and services to its customers in the Philippines but also in Asia, Europe, and the United States. The bank operates in the below segments: Retail, Corporate, Small and Medium enterprises, Treasury, and Others. Of these segments, the contributor to revenue is the retail banking function, followed by corporate banking. Services provided to clients include checking and savings accounts, deposits, credit cards, consumer and commercial loans, money market and trading services, investment banking, foreign exchange, wealth management, economic and investment research, syndicated loans, and wholesale lending.
77GF Score
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