Rizal Commercial Banking (PHS:RCB) Short-term investments

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
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.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
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.

PHS:RCB Rizal Commercial Banking Corp PHS:RCB
72 GF Score
Price ₱23.00
GF Value ₱31.79
Valuation Modestly Undervalued
! 3 Warning Signs
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What is Rizal Commercial Banking Short-term investments?

Short-term investments only applies to insurance companies.

PHS:RCB
72GF Score
Rizal Commercial Banking Corp PHS:RCB
Short-term investments is just one metric. See GF Score™, valuation, warning signs, and more.
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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 ₱23.00 is trading 27.7% below its estimated GF Value™ of ₱31.79. GuruFocus considers Rizal Commercial Banking to be Modestly Undervalued.

Key valuation signals for PHS:RCB:

  • Short-term investments:
  • GF Value™: ₱31.79 vs. price of ₱23.00 (27.7% below fair value)
  • GF Score™: 72/100 with 3 warning signs

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 Business Description

Address 6819 Ayala Avenue, Yuchengco Tower, RCBC Plaza, Makati, PHL, 1200
Rizal Commercial Banking Corporation (RCB) is a universal bank headquartered in Makati, Philippines, offering a broad range of banking and financial services. Its operations are organized around retail banking, corporate and institutional banking, small and medium enterprise (SME) banking, treasury, and other segments, with retail and corporate banking generating the bulk of revenue. Products and services include deposit accounts, credit cards, consumer and commercial loans, trade finance, syndicated and wholesale lending, foreign exchange, money market and securities trading, investment banking, trust and wealth management, and investment research. Customers span individual depositors and borrowers, SMEs, large corporations, government entities, and financial institutions. The bank serves clients primarily across the Philippines through its nationwide branch and ATM network, complemented by international operations and remittance channels in Asia, Europe, and the United States. Revenue comes mainly from net interest income on loans and investments, supplemented by fees, commissions, trading gains, and other service charges.
72GF Score

Get the complete analysis for PHS:RCB

Short-term investments is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₱23.00
Price
₱31.79
GF Value