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Security BankPHS:SECB -0.44%85 Cash-to-Debt is 0.74 as of Mar. 2026, which is 40% below its 10-year median of 1.24. GuruFocus rates PHS:SECB with a GF Score™ of 85/100 and a GF Value™ of ₱101.91 (Significantly Undervalued). The stock has 1 warning sign investors should review. Among 1,485 Banks companies, Security Bank ranks worse than 66.6% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Security Bank's cash to debt ratio for the quarter that ended in Mar. 2026 was 0.74.
If Cash to Debt ratio is less than 1, the company cannot pay off its debt using the cash in hand. Here we can see, Security Bankcouldn't pay off its debt using the cash in hand for the quarter that ended in Mar. 2026.
The historical rank and industry rank for Security Bank's Cash-to-Debt or its related term are showing as below:
PHS:SECB'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.56 Med: 1.24 Max: 3.55
Current: 0.74
During the past 13 years, Security Bank's highest Cash to Debt Ratio was 3.55. The lowest was 0.56. And the median was 1.24.
PHS:SECB's Cash-to-Debt is ranked worse than 66.6% of 1485
companies
in the Banks industry
Industry Median: 1.38
vs PHS:SECB: 0.74
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
Security Bank Cash-to-Debt Related Terms
Security Bank Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Security Bank's Cash-to-Debt can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
For the Banks - Regional subindustry, Security Bank's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt 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 Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, Security Bank's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Security Bank's Cash-to-Debt falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Security Bank (PHS:SECB) has a Cash-to-Debt of 0.74 as of Mar. 2026. This is 40% below median its historical median of 1.24. Over the past decade, Security Bank's Cash-to-Debt has ranged from 0.56 to 3.55. According to the industry distribution chart, Security Bank ranks #989 out of 1485 companies in the Banks industry, placing it in the top 66.6%.
Is Security Bank's Cash-to-Debt too high?
Security Bank's current Cash-to-Debt of 0.74 is 40% below median its 10-year median of 1.24. Over the past 10 years, this metric has ranged from a low of 0.56 to a high of 3.55. The Banks industry median Cash-to-Debt is 1.38. Security Bank's value of 0.74 is 46.4% below this industry median. Based on the distribution chart, Security Bank ranks #989 out of 1485 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 Cash-to-Debt compare to competitors?
According to the Banks industry distribution chart, Security Bank ranks #989 out of 1485 companies for Cash-to-Debt. This places Security Bank in the lower half of its industry. The industry median Cash-to-Debt is 1.38. Security Bank's value of 0.74 is 46.4% below this benchmark. Historically, Security Bank's own Cash-to-Debt has ranged from 0.56 to 3.55 over the past decade. While the company's 10-year median is 1.24 vs. the industry median of 1.38, 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 Cash-to-Debt for a Banks company?
The median Cash-to-Debt among Banks companies is 1.38, based on 1,485 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Security Bank's current Cash-to-Debt of 0.74 is 46.4% 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 Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median Cash-to-Debt is 1.38 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Security Bank's current Cash-to-Debt is 0.74, which is 40% below median its own 10-year median of 1.24. 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 ₱101.91, compared to a current price of ₱68.10 — trading 33.2% below its estimated fair value. The current Cash-to-Debt is 0.74, which is 40% below median its 10-year median of 1.24 and 46.4% below the Banks industry median of 1.38. 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 Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For Security Bank (PHS:SECB), the current Cash-to-Debt is 0.74 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 ₱68.10 is trading 33.2% below its estimated GF Value™ of ₱101.91.
GuruFocus considers Security Bank to be Significantly Undervalued.
Key valuation signals for PHS:SECB:
Cash-to-Debt: 0.74 (40% below median its 10-year median of 1.24)
GF Value™: ₱101.91 vs. price of ₱68.10 (33.2% below fair value)
Industry Position: 46.4% below the Banks median (#989 of 1485)
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
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