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Philippine Bank of CommunicationsPHS:PBC 58 3-Year FCF Growth Rate is 83.70% as of Jun. 2026, which is 1781% above its 10-year median of 4.45. GuruFocus rates PHS:PBC with a GF Score™ of 58/100 and a GF Value™ of ₱20.36 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 1,045 Banks companies, Philippine Bank of Communications ranks better than 95.02% on this metric.
During the past 12 months, Philippine Bank of Communications's average Free Cash Flow per Share Growth Rate was 403.40% per year.
During the past 3 years, the average Free Cash Flow per Share Growth Rate was 83.70% 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 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 Bank of Communications was 83.70% per year. The lowest was -151.60% per year. And the median was 4.45% per year.
Philippine Bank of Communications (PHS:PBC) 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 Bank of Communications 3-Year FCF Growth Rate Related Terms
PHS:PBC vs USB, PNC: 3-Year FCF Growth Rate Comparison
For the Banks - Regional subindustry, Philippine Bank of Communications'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 Bank of Communications 3-Year FCF Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, Philippine Bank of Communications's 3-Year FCF Growth Rate distribution charts can be found below:
* The bar in red indicates where Philippine Bank of Communications's 3-Year FCF Growth Rate falls into.
Philippine Bank of Communications 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 83.70% mean?
Philippine Bank of Communications (PHS:PBC) has a 3-Year FCF Growth Rate of 83.70% 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 Bank of Communications and its competitors. This is 1781% above median its historical median of 4.45. According to the industry distribution chart, Philippine Bank of Communications ranks #52 out of 1045 companies in the Banks industry, placing it in the top 5%.
Is Philippine Bank of Communications' 3-Year FCF Growth Rate too high?
Philippine Bank of Communications' current 3-Year FCF Growth Rate of 83.70% is 1781% above median its 10-year median of 4.45. The Banks industry median 3-Year FCF Growth Rate is 0.40. Philippine Bank of Communications' value of 83.70% is 20825% above this industry median. Based on the distribution chart, Philippine Bank of Communications ranks #52 out of 1045 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Philippine Bank of Communications has a GF Score™ of 58/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Philippine Bank of Communications' 3-Year FCF Growth Rate compare to USB and PNC?
According to the Banks industry distribution chart, Philippine Bank of Communications ranks #52 out of 1045 companies for 3-Year FCF Growth Rate. This places Philippine Bank of Communications in the top 5% of its industry — outperforming the majority of peers. The industry median 3-Year FCF Growth Rate is 0.40. Philippine Bank of Communications' value of 83.70% is 20825% above this benchmark. While the company's 10-year median is 4.45 vs. the industry median of 0.40, Philippine Bank of Communications has consistently been above 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 FCF Growth Rate for a Banks company?
The median 3-Year FCF Growth Rate among Banks companies is 0.40, based on 1,045 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 Bank of Communications's current 3-Year FCF Growth Rate of 83.70% is 20825% 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 Bank of Communications 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 Bank of Communications's current 3-Year FCF Growth Rate is 83.70%, which is 1781% above median its own 10-year median of 4.45. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Philippine Bank of Communications stock overvalued right now?
Based on GuruFocus' analysis, Philippine Bank of Communications (PHS:PBC) is currently considered Modestly Undervalued. The stock's GF Value™ is ₱20.36, compared to a current price of ₱14.78 — trading 27.4% below its estimated fair value. The current 3-Year FCF Growth Rate is 83.70%, which is 1781% above median its 10-year median of 4.45 and 20825% above the Banks industry median of 0.40. Philippine Bank of Communications' overall GF Score™ is 58/100 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 FCF Growth Rate calculated?
3-Year FCF Growth Rate is calculated from a company's financial statements. For Philippine Bank of Communications (PHS:PBC), the current 3-Year FCF Growth Rate is 83.70% 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 Bank of Communications (PHS:PBC) Overvalued in 2026?
Based on GuruFocus' analysis, Philippine Bank of Communications stock appears to be undervalued.
The current stock price of ₱14.78 is trading 27.4% below its estimated GF Value™ of ₱20.36.
GuruFocus considers Philippine Bank of Communications to be Modestly Undervalued.
Key valuation signals for PHS:PBC:
3-Year FCF Growth Rate: 83.70% (1781% above median its 10-year median of 4.45)
GF Value™: ₱20.36 vs. price of ₱14.78 (27.4% below fair value)
Industry Position: 20825% above the Banks median (#52 of 1045)
No single metric tells the full story. See the PHS:PBC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Philippine Bank of Communications is a banking corporation registered in the Philippines. It is engaged in providing retail and commercial banking services such as savings, deposits, current accounts, cash management, checking, time deposit accounts, and debit cards. It also offers a wide range-of-products and services to clients. These include basic universal banking services such as deposit products, credit and loan facilities, trade-related services, treasury and foreign exchange trading, cash management services, and Trust and Investment Management services. It organizes its business into five segments, namely Branch Banking, Corporate Banking, Treasury, Consumer Finance, and Trust and Wealth Management. The company's revenue consists of interest income, dividends, fees, & commissions.
58GF Score
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