Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Security BankPHS:SECB +0.88%85 3-Year Book Growth Rate is 7.00% as of Mar. 2026, which is 31% below its 10-year median of 10.20. GuruFocus rates PHS:SECB with a GF Score™ of 85/100 and a GF Value™ of ₱101.85 (Significantly Undervalued). The stock has 1 warning sign investors should review. Among 1,497 Banks companies, Security Bank ranks worse than 60.79% on this metric.
During the past 12 months, Security Bank's average Book Value per Share Growth Rate was 6.70% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 7.00% per year.
During the past 5 years, the average Book Value per Share Growth Rate was 4.60% per year.
During the past 10 years, the average Book Value per Share Growth Rate was 6.40% 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 Security Bank was 28.30% per year. The lowest was 2.10% per year. And the median was 10.20% per year.
Security Bank (PHS:SECB) 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.
Security Bank 3-Year Book Growth Rate Related Terms
Security Bank 3-Year Book Growth Rate Competitor Comparison
For the Banks - Regional subindustry, Security 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.
Security Bank 3-Year Book Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, Security Bank's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where Security Bank's 3-Year Book Growth Rate falls into.
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 7.00% mean?
Security Bank (PHS:SECB) has a 3-Year Book Growth Rate of 7.00% 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 Security Bank and its competitors. This is 31% below median its historical median of 10.20. Over the past decade, Security Bank's 3-Year Book Growth Rate has ranged from 2.10 to 28.30. According to the industry distribution chart, Security Bank ranks #910 out of 1497 companies in the Banks industry, placing it in the top 60.8%.
Is Security Bank's 3-Year Book Growth Rate too high?
Security Bank's current 3-Year Book Growth Rate of 7.00% is 31% below median its 10-year median of 10.20. Over the past 10 years, this metric has ranged from a low of 2.10 to a high of 28.30. The Banks industry median 3-Year Book Growth Rate is 8.70. Security Bank's value of 7.00% is 19.5% below this industry median. Based on the distribution chart, Security Bank ranks #910 out of 1497 companies in the Banks industry, which is below the industry midpoint. Overall, Security Bank has a GF Score™ of 85/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Security Bank's 3-Year Book Growth Rate compare to competitors?
According to the Banks industry distribution chart, Security Bank ranks #910 out of 1497 companies for 3-Year Book Growth Rate. This places Security Bank in the lower half of its industry. The industry median 3-Year Book Growth Rate is 8.70. Security Bank's value of 7.00% is 19.5% below this benchmark. Historically, Security Bank's own 3-Year Book Growth Rate has ranged from 2.10 to 28.30 over the past decade. While the company's 10-year median is 10.20 vs. the industry median of 8.70, Security 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. Security Bank's current 3-Year Book Growth Rate of 7.00% is 19.5% 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 Security 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. Security Bank's current 3-Year Book Growth Rate is 7.00%, which is 31% below median its own 10-year median of 10.20. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Security Bank stock overvalued right now?
Based on GuruFocus' analysis, Security Bank (PHS:SECB) is currently considered Significantly Undervalued. The stock's GF Value™ is ₱101.85, compared to a current price of ₱68.40 — trading 32.8% below its estimated fair value. The current 3-Year Book Growth Rate is 7.00%, which is 31% below median its 10-year median of 10.20 and 19.5% below the Banks industry median of 8.70. Security Bank's overall GF Score™ is 85/100 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 Security Bank (PHS:SECB), the current 3-Year Book Growth Rate is 7.00% 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 Security Bank (PHS:SECB) Overvalued in 2026?
Based on GuruFocus' analysis, Security Bank stock appears to be undervalued.
The current stock price of ₱68.40 is trading 32.8% below its estimated GF Value™ of ₱101.85.
GuruFocus considers Security Bank to be Significantly Undervalued.
Key valuation signals for PHS:SECB:
3-Year Book Growth Rate: 7.00% (31% below median its 10-year median of 10.20)
GF Value™: ₱101.85 vs. price of ₱68.40 (32.8% below fair value)
Industry Position: 19.5% below the Banks median (#910 of 1497)
No single metric tells the full story. See the PHS:SECB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Security Bank Corp is engaged in banking. It operates in four segments: the Financial Markets Segment focuses on providing the money market, foreign exchange, financial derivatives, securities distribution, asset management, trust, and fiduciary services; the Wholesale Banking Segment addresses the corporate, institutional, and public sector markets and commercial clients. Services include relationship management, lending and other credit facilities, trade, cash management, deposit-taking, and leasing services; the Retail Banking Segment addresses individual, retail, and small businesses; the Business Banking segment covers deposit-taking and servicing, consumer loans, credit card facilities, and bancassurance; and All Other Segments include other support services.
85GF Score
Get the complete analysis for PHS:SECB
3-Year Book Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
PHS:SECB has been successfully added to your 
