Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Philippine Business BankPHS:PBB -0.85%63 Debt-to-Equity is 0.21 as of Mar. 2026, which is 5% below its 10-year median of 0.22. GuruFocus rates PHS:PBB with a GF Score™ of 63/100 and a GF Value™ of ₱8.70 (Modestly Undervalued). The stock has 1 warning sign investors should review. Among 1,423 Banks companies, Philippine Business Bank ranks better than 75.26% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Philippine Business Bank's Debt-to-Equity or its related term are showing as below:
PHS:PBB'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.02 Med: 0.22 Max: 0.41
Current: 0.21
During the past 13 years, the highest Debt-to-Equity Ratio of Philippine Business Bank was 0.41. The lowest was 0.02. And the median was 0.22.
PHS:PBB's Debt-to-Equity is ranked better than 75.26% of 1423
companies
in the Banks industry
Industry Median: 0.56
vs PHS:PBB: 0.21
Philippine Business Bank (PHS:PBB) Debt-to-Equity Explanation
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Philippine Business Bank Debt-to-Equity Related Terms
Philippine Business Bank Debt-to-Equity Historical Data
* 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.
For the Banks - Regional subindustry, Philippine Business Bank's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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 Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Philippine Business Bank's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Philippine Business Bank's Debt-to-Equity 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.
Philippine Business Bank (PHS:PBB) has a Debt-to-Equity of 0.21 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Philippine Business Bank and its competitors. This is near median its historical median of 0.22. Over the past decade, Philippine Business Bank's Debt-to-Equity has ranged from 0.02 to 0.41. According to the industry distribution chart, Philippine Business Bank ranks #352 out of 1423 companies in the Banks industry, placing it in the top 24.7%.
Is Philippine Business Bank's Debt-to-Equity too high?
Philippine Business Bank's current Debt-to-Equity of 0.21 is near median its 10-year median of 0.22. Over the past 10 years, this metric has ranged from a low of 0.02 to a high of 0.41. The Banks industry median Debt-to-Equity is 0.56. Philippine Business Bank's value of 0.21 is 62.5% below this industry median. Based on the distribution chart, Philippine Business Bank ranks #352 out of 1423 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 63/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Philippine Business Bank's Debt-to-Equity compare to PNC and USB?
According to the Banks industry distribution chart, Philippine Business Bank ranks #352 out of 1423 companies for Debt-to-Equity. This places Philippine Business Bank in the top 25% of its industry — outperforming the majority of peers. The industry median Debt-to-Equity is 0.56. Philippine Business Bank's value of 0.21 is 62.5% below this benchmark. Historically, Philippine Business Bank's own Debt-to-Equity has ranged from 0.02 to 0.41 over the past decade. While the company's 10-year median is 0.22 vs. the industry median of 0.56, Philippine Business 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 Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.56, based on 1,423 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Philippine Business Bank's current Debt-to-Equity of 0.21 is 62.5% 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 Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Philippine Business Bank and its competitors. For the Banks industry, the median Debt-to-Equity is 0.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Philippine Business Bank's current Debt-to-Equity is 0.21, which is near median its own 10-year median of 0.22. 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 ₱8.70, compared to a current price of ₱7.02 — trading 19.3% below its estimated fair value. The current Debt-to-Equity is 0.21, which is near median its 10-year median of 0.22 and 62.5% below the Banks industry median of 0.56. Philippine Business Bank's overall GF Score™ is 63/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Philippine Business Bank (PHS:PBB), the current Debt-to-Equity is 0.21 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 ₱7.02 is trading 19.3% below its estimated GF Value™ of ₱8.70.
GuruFocus considers Philippine Business Bank to be Modestly Undervalued.
Key valuation signals for PHS:PBB:
Debt-to-Equity: 0.21 (near median its 10-year median of 0.22)
GF Value™: ₱8.70 vs. price of ₱7.02 (19.3% below fair value)
Industry Position: 62.5% below the Banks median (#352 of 1423)
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.
63GF Score
Get the complete analysis for PHS:PBB
Debt-to-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
PHS:PBB has been successfully added to your 
