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Security BankPHS:SECB -1.92%82 3-Year FCF Growth Rate is 50.80% as of Jun. 2026, which is 72% above its 10-year median of 29.45. GuruFocus rates PHS:SECB with a GF Score™ of 82/100 and a GF Value™ of ₱92.15 (Significantly Undervalued). The stock has 2 warning signs investors should review. Among 1,050 Banks companies, Security Bank ranks better than 89.71% on this metric.
During the past 12 months, Security Bank's average Free Cash Flow per Share Growth Rate was -70.50% per year.
During the past 3 years, the average Free Cash Flow per Share Growth Rate was 50.80% 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 Security Bank was 88.60% per year. The lowest was -49.40% per year. And the median was 29.45% per year.
Security Bank (PHS:SECB) 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) %.
Security Bank 3-Year FCF Growth Rate Related Terms
Security Bank 3-Year FCF Growth Rate Competitor Comparison
For the Banks - Regional subindustry, Security 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.
Security Bank 3-Year FCF Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, Security Bank's 3-Year FCF Growth Rate distribution charts can be found below:
* The bar in red indicates where Security Bank's 3-Year FCF Growth Rate falls into.
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 50.80% mean?
Security Bank (PHS:SECB) has a 3-Year FCF Growth Rate of 50.80% 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 Security Bank and its competitors. This is 72% above median its historical median of 29.45. According to the industry distribution chart, Security Bank ranks #108 out of 1050 companies in the Banks industry, placing it in the top 10.3%.
Is Security Bank's 3-Year FCF Growth Rate too high?
Security Bank's current 3-Year FCF Growth Rate of 50.80% is 72% above median its 10-year median of 29.45. The Banks industry median 3-Year FCF Growth Rate is 0.45. Security Bank's value of 50.80% is 11188.9% above this industry median. Based on the distribution chart, Security Bank ranks #108 out of 1050 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Security Bank has a GF Score™ of 82/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Security Bank's 3-Year FCF Growth Rate compare to competitors?
According to the Banks industry distribution chart, Security Bank ranks #108 out of 1050 companies for 3-Year FCF Growth Rate. This places Security Bank in the top 10% of its industry — outperforming the majority of peers. The industry median 3-Year FCF Growth Rate is 0.45. Security Bank's value of 50.80% is 11188.9% above this benchmark. While the company's 10-year median is 29.45 vs. the industry median of 0.45, Security Bank 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 0.45, based on 1,050 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. Security Bank's current 3-Year FCF Growth Rate of 50.80% is 11188.9% 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 Security Bank and its competitors. For the Banks industry, the median 3-Year FCF Growth Rate is 0.45 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Security Bank's current 3-Year FCF Growth Rate is 50.80%, which is 72% above median its own 10-year median of 29.45. 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 ₱92.15, compared to a current price of ₱63.80 — trading 30.8% below its estimated fair value. The current 3-Year FCF Growth Rate is 50.80%, which is 72% above median its 10-year median of 29.45 and 11188.9% above the Banks industry median of 0.45. Security Bank's overall GF Score™ is 82/100 with 2 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 Security Bank (PHS:SECB), the current 3-Year FCF Growth Rate is 50.80% 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 Security Bank (PHS:SECB) Overvalued in 2026?
Based on GuruFocus' analysis, Security Bank stock appears to be undervalued.
The current stock price of ₱63.80 is trading 30.8% below its estimated GF Value™ of ₱92.15.
GuruFocus considers Security Bank to be Significantly Undervalued.
Key valuation signals for PHS:SECB:
3-Year FCF Growth Rate: 50.80% (72% above median its 10-year median of 29.45)
GF Value™: ₱92.15 vs. price of ₱63.80 (30.8% below fair value)
Industry Position: 11188.9% above the Banks median (#108 of 1050)
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.
82GF Score
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