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During the past 12 months, Philippine Business Bank's average Free Cash Flow per Share Growth Rate was 75.70% per year.
During the past 3 years, the average Free Cash Flow per Share Growth Rate was 38.60% 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 Free Cash Flow per Share growth rate.
During the past 13 years, the highest 3-Year average Free Cash Flow per Share Growth Rate of Philippine Business Bank was 426.50% per year. The lowest was -121.70% per year. And the median was -68.05% per year.
Philippine Business Bank (PHS:PBB) 3-Year FCF Growth Rate Explanation
Free Cash Flow per Share is the amount of Free Cash Flow per outstanding share of the company's stock. Free Cash Flow is considered one of the most important parameters to measure a company's earnings power by value investors because it is not subject to estimates of Depreciation, Depletion and Amortization (DDA). However, when we look at the Free Cash Flow, we should look from a long term perspective, because any year's Free Cash Flow can be drastically affected by the spending on Property, Plant, & Equipment (PPE) of the business in that year. Over the long term, Free Cash Flow should give pretty good picture on the real earnings power of the company. It's used in the calculation of Forward Rate of Return (Yacktman) %.
Philippine Business Bank 3-Year FCF Growth Rate Related Terms
PHS:PBB vs USB, PNC: 3-Year FCF Growth Rate Comparison
For the Banks - Regional subindustry, Philippine Business Bank's 3-Year FCF Growth Rate, along with its competitors' market caps and 3-Year FCF 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.
Philippine Business Bank 3-Year FCF Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, Philippine Business Bank's 3-Year FCF Growth Rate distribution charts can be found below:
* The bar in red indicates where Philippine Business Bank's 3-Year FCF Growth Rate falls into.
Philippine Business Bank 3-Year FCF Growth Rate Calculation
This is the 3-year average growth rate of Free Cash Flow 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 Free Cash Flow per Share growth rate.
What does a 3-Year FCF Growth Rate of 38.60% mean?
Philippine Business Bank (PHS:PBB) has a 3-Year FCF Growth Rate of 38.60% as of Jun. 2026. 3-Year FCF Growth Rate is the 3-year average growth rate of Free Cash Flow per Share. View historical data for Philippine Business Bank and its competitors. According to the industry distribution chart, Philippine Business Bank ranks #161 out of 1043 companies in the Banks industry, placing it in the top 15.4%.
Is Philippine Business Bank's 3-Year FCF Growth Rate too high?
Philippine Business Bank's current 3-Year FCF Growth Rate is 38.60%. The Banks industry median 3-Year FCF Growth Rate is 0.40. Philippine Business Bank's value of 38.60% is 9550% above this industry median. Based on the distribution chart, Philippine Business Bank ranks #161 out of 1043 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Philippine Business Bank has a GF Score™ of 65/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Philippine Business Bank's 3-Year FCF Growth Rate compare to USB and PNC?
According to the Banks industry distribution chart, Philippine Business Bank ranks #161 out of 1043 companies for 3-Year FCF Growth Rate. This places Philippine Business Bank in the top 15% of its industry — outperforming the majority of peers. The industry median 3-Year FCF Growth Rate is 0.40. Philippine Business Bank's value of 38.60% is 9550% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year FCF Growth Rate for a Banks company?
The median 3-Year FCF Growth Rate among Banks companies is 0.40, based on 1,043 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year FCF Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year FCF Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Philippine Business Bank's current 3-Year FCF Growth Rate of 38.60% is 9550% above 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 FCF Growth Rate mean?
A high 3-Year FCF Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year FCF Growth Rate is the 3-year average growth rate of Free Cash Flow per Share. View historical data for Philippine Business Bank and its competitors. For the Banks industry, the median 3-Year FCF Growth Rate is 0.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Philippine Business Bank's current 3-Year FCF Growth Rate is 38.60%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Philippine Business Bank stock overvalued right now?
Based on GuruFocus' analysis, Philippine Business Bank (PHS:PBB) is currently considered Modestly Undervalued. The stock's GF Value™ is ₱8.47, compared to a current price of ₱6.92 — trading 18.3% below its estimated fair value. The current 3-Year FCF Growth Rate is 38.60% and 9550% above the Banks industry median of 0.40. Philippine Business Bank's overall GF Score™ is 65/100 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 FCF Growth Rate calculated?
3-Year FCF Growth Rate is calculated from a company's financial statements. For Philippine Business Bank (PHS:PBB), the current 3-Year FCF Growth Rate is 38.60% as of Jun. 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 Philippine Business Bank (PHS:PBB) Overvalued in 2026?
Based on GuruFocus' analysis, Philippine Business Bank stock appears to be undervalued.
The current stock price of ₱6.92 is trading 18.3% below its estimated GF Value™ of ₱8.47.
GuruFocus considers Philippine Business Bank to be Modestly Undervalued.
Key valuation signals for PHS:PBB:
3-Year FCF Growth Rate: 38.60%
GF Value™: ₱8.47 vs. price of ₱6.92 (18.3% below fair value)
Industry Position: 9550% above the Banks median (#161 of 1043)
No single metric tells the full story. See the PHS:PBB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Philippine Business Bank engages in the business of thrift banking. The company provides banking and financial services including cash management, retail and corporate lending, deposit products, international trade finance, treasury, and trust products. The company's predominant operating segments are Consumer Banking which includes auto financing, home financing, and salary or personal loans; Corporate Banking which includes term loans, working capital credit lines, bills purchase, and discounting lines; and Treasury Operations engages in managing the liquidity of the Bank and its trading and investment activities. The majority of its revenue comes from the Corporate Banking segment.
65GF Score
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3-Year FCF Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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