Philippine Business Bank (PHS:PBB) Cyclically Adjusted FCF per Share: ₱0.43 (As of Mar. 2026)


PHS:PBB Philippine Business Bank PHS:PBB
62 GF Score
Price ₱7.05
GF Value ₱8.69
Valuation Modestly Undervalued
! 1 Warning Sign
View Full Analysis

What is Philippine Business Bank Cyclically Adjusted FCF per Share?

Philippine Business Bank PHS:PBB -1.95% 62 Cyclically Adjusted FCF per Share is ₱0.43 as of Mar. 2026. GuruFocus rates PHS:PBB with a GF Score™ of 62/100 and a GF Value™ of ₱8.69 (Modestly Undervalued). The stock has 1 warning sign investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

Philippine Business Bank's adjusted free cash flow per share for the three months ended in Mar. 2026 was ₱5.409. Add all the adjusted free cash flow per share for the past 10 years together and divide the count will get our Cyclically Adjusted FCF per Share, which is ₱0.43 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Philippine Business Bank's average Cyclically Adjusted FCF Growth Rate was -53.80% 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 Cyclically Adjusted FCF Growth Rate using Cyclically Adjusted FCF per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted FCF Growth Rate of Philippine Business Bank was -42.60% per year. The lowest was -42.60% per year. And the median was -42.60% per year.

As of today (2026-07-01), Philippine Business Bank's current stock price is ₱7.05. Philippine Business Bank's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2026 was ₱0.43. Philippine Business Bank's Cyclically Adjusted Price-to-FCF of today is 16.40.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Philippine Business Bank was 32.67. The lowest was 1.90. And the median was 7.89.


Philippine Business Bank  (PHS:PBB) Cyclically Adjusted FCF per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted FCF per Share may underestimate the company's free cash flow. Cyclically Adjusted Price-to-FCF can seem to be too high even the actual Price-to-Free-Cash-Flow is low.

For the Cyclically Adjusted Price-to-FCF, the free cash flow per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/FCF calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted Price-to-FCF is also called CAPFCF Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

Philippine Business Bank's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=7.05/0.43
=16.40

* 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.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Philippine Business Bank was 32.67. The lowest was 1.90. And the median was 7.89.


Be Aware

Cyclically Adjusted Price-to-FCF works better for cyclical companies. It gives you a better idea on the company's real free cash flow value.


Philippine Business Bank Cyclically Adjusted FCF per Share Related Terms


Philippine Business Bank Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for Philippine Business Bank's Cyclically Adjusted FCF per Share 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.

Philippine Business Bank Cyclically Adjusted FCF per Share Chart

Philippine Business Bank Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted FCF per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 3.27 1.88 1.47 0.62 -1.01

Philippine Business Bank Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted FCF per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.93 0.74 0.24 -1.01 0.43

PHS:PBB vs PNC, USB: Cyclically Adjusted FCF per Share Comparison

For the Banks - Regional subindustry, Philippine Business Bank's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF 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 Cyclically Adjusted Price-to-FCF vs Banks Industry

For the Banks industry and Financial Services sector, Philippine Business Bank's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where Philippine Business Bank's Cyclically Adjusted Price-to-FCF falls into.


PHS:PBB
62GF Score
Philippine Business Bank PHS:PBB
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Philippine Business Bank Cyclically Adjusted FCF per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

What is Cyclically Adjusted FCF per Share? How do we calculate Cyclically Adjusted FCF per Share?

Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted FCF per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the free cash flow per share from 2001 through 2010.

We adjusted the 2001 free cash flow per share data with the total inflation from 2001 through 2010 to the equivalent free cash flow in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's free cash flow is $1 a share in 2001, then the 2001's equivalent free cash flow in 2010 is $1.4 a share. If Wal-Mart's free cash flow is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 free cash flow in 2010 is $1.35. So on and so forth, you get the equivalent free cash flow per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted FCF per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Philippine Business Bank's adjusted Free Cash Flow per Share data for the three months ended in Mar. 2026 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=5.409/330.2130*330.2130
=5.409

Current CPI (Mar. 2026) = 330.2130.

Philippine Business Bank Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201606 2.381 241.018 3.262
201609 3.716 241.428 5.083
201612 -15.151 241.432 -20.722
201703 2.559 243.801 3.466
201706 -4.055 244.955 -5.466
201709 -1.622 246.819 -2.170
201712 2.414 246.524 3.233
201803 -6.648 249.554 -8.797
201806 1.927 251.989 2.525
201809 3.197 252.439 4.182
201812 1.746 251.233 2.295
201903 -4.639 254.202 -6.026
201906 3.970 256.143 5.118
201909 0.222 256.759 0.286
201912 8.239 256.974 10.587
202003 -7.557 258.115 -9.668
202006 9.727 257.797 12.459
202009 -3.993 260.280 -5.066
202012 -5.339 260.474 -6.768
202103 10.769 264.877 13.425
202106 0.592 271.696 0.720
202109 5.061 274.310 6.092
202112 13.352 278.802 15.814
202203 3.795 287.504 4.359
202206 -22.653 296.311 -25.245
202209 0.045 296.808 0.050
202212 6.217 296.797 6.917
202303 -4.847 301.836 -5.303
202306 -0.783 305.109 -0.847
202309 1.063 307.789 1.140
202312 2.587 306.746 2.785
202403 -9.252 312.332 -9.782
202406 0.936 314.175 0.984
202409 1.755 315.301 1.838
202412 0.797 315.605 0.834
202503 2.741 319.799 2.830
202506 -0.027 322.561 -0.028
202509 1.413 324.800 1.437
202512 -6.799 324.054 -6.928
202603 5.409 330.213 5.409

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

What does a Cyclically Adjusted FCF per Share of ₱0.43 mean?
Philippine Business Bank (PHS:PBB) has a Cyclically Adjusted FCF per Share of ₱0.43 as of Mar. 2026. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Philippine Business Bank and its competitors.
Is Philippine Business Bank's Cyclically Adjusted FCF per Share too high?
Philippine Business Bank's current Cyclically Adjusted FCF per Share is ₱0.43. Overall, Philippine Business Bank has a GF Score™ of 62/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Philippine Business Bank's Cyclically Adjusted FCF per Share compare to PNC and USB?
Philippine Business Bank's Cyclically Adjusted FCF per Share of ₱0.43 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted FCF per Share for a Banks company?
A good Cyclically Adjusted FCF per Share depends on the Banks industry context. However, Cyclically Adjusted FCF per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted FCF per Share mean?
A high Cyclically Adjusted FCF per Share can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Philippine Business Bank and its competitors. Philippine Business Bank's current Cyclically Adjusted FCF per Share is ₱0.43. 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 ₱8.69, compared to a current price of ₱7.05 — trading 18.9% below its estimated fair value. The current Cyclically Adjusted FCF per Share is ₱0.43. Philippine Business Bank's overall GF Score™ is 62/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted FCF per Share calculated?
Cyclically Adjusted FCF per Share is calculated from a company's financial statements. For Philippine Business Bank (PHS:PBB), the current Cyclically Adjusted FCF per Share is ₱0.43 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 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 ₱7.05 is trading 18.9% below its estimated GF Value™ of ₱8.69. GuruFocus considers Philippine Business Bank to be Modestly Undervalued.

Key valuation signals for PHS:PBB:

  • Cyclically Adjusted FCF per Share: ₱0.43
  • GF Value™: ₱8.69 vs. price of ₱7.05 (18.9% below fair value)
  • GF Score™: 62/100 with 1 warning sign

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 Business Description

Address 350 Rizal Avenue Extension Corner, 8th Avenue, Grace Park, Caloocan City, PHL, 1400
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.
62GF Score

Get the complete analysis for PHS:PBB

Cyclically Adjusted FCF per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₱7.05
Price
₱8.69
GF Value