Security BankPHS:SECB -1.21%85 Debt-to-Equity is 0.44 as of Mar. 2026, which is 4% below its 10-year median of 0.46. GuruFocus rates PHS:SECB with a GF Score™ of 85/100 and a GF Value™ of ₱101.13 (Significantly Undervalued). The stock has 1 warning sign investors should review. Among 1,422 Banks companies, Security Bank ranks better than 58.09% 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 Security Bank's Debt-to-Equity or its related term are showing as below:
PHS:SECB'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.24 Med: 0.46 Max: 2.33
Current: 0.44
During the past 13 years, the highest Debt-to-Equity Ratio of Security Bank was 2.33. The lowest was 0.24. And the median was 0.46.
PHS:SECB's Debt-to-Equity is ranked better than 58.09% of 1422
companies
in the Banks industry
Industry Median: 0.56
vs PHS:SECB: 0.44
Security Bank (PHS:SECB) 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.
Security Bank Debt-to-Equity Related Terms
Security Bank Debt-to-Equity Historical Data
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The historical data trend for Security Bank's Debt-to-Equity 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.
Security Bank Debt-to-Equity Competitor Comparison
For the Banks - Regional subindustry, Security 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.
Security Bank Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Security Bank's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Security 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.
Security Bank (PHS:SECB) has a Debt-to-Equity of 0.44 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Security Bank and its competitors. This is near median its historical median of 0.46. Over the past decade, Security Bank's Debt-to-Equity has ranged from 0.24 to 2.33. According to the industry distribution chart, Security Bank ranks #596 out of 1422 companies in the Banks industry, placing it in the top 41.9%.
Is Security Bank's Debt-to-Equity too high?
Security Bank's current Debt-to-Equity of 0.44 is near median its 10-year median of 0.46. Over the past 10 years, this metric has ranged from a low of 0.24 to a high of 2.33. The Banks industry median Debt-to-Equity is 0.56. Security Bank's value of 0.44 is 21.4% below this industry median. Based on the distribution chart, Security Bank ranks #596 out of 1422 companies in the Banks industry, which is above the industry midpoint. Overall, Security Bank has a GF Score™ of 85/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Security Bank's Debt-to-Equity compare to competitors?
According to the Banks industry distribution chart, Security Bank ranks #596 out of 1422 companies for Debt-to-Equity. This puts Security Bank in the upper half of its industry. The industry median Debt-to-Equity is 0.56. Security Bank's value of 0.44 is 21.4% below this benchmark. Historically, Security Bank's own Debt-to-Equity has ranged from 0.24 to 2.33 over the past decade. While the company's 10-year median is 0.46 vs. the industry median of 0.56, Security 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 1,422 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. Security Bank's current Debt-to-Equity of 0.44 is 21.4% 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 Security 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. Security Bank's current Debt-to-Equity is 0.44, which is near median its own 10-year median of 0.46. 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 ₱101.13, compared to a current price of ₱65.10 — trading 35.6% below its estimated fair value. The current Debt-to-Equity is 0.44, which is near median its 10-year median of 0.46 and 21.4% below the Banks industry median of 0.56. Security Bank's overall GF Score™ is 85/100 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 Security Bank (PHS:SECB), the current Debt-to-Equity is 0.44 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 Security Bank (PHS:SECB) Overvalued in 2026?
Based on GuruFocus' analysis, Security Bank stock appears to be undervalued.
The current stock price of ₱65.10 is trading 35.6% below its estimated GF Value™ of ₱101.13.
GuruFocus considers Security Bank to be Significantly Undervalued.
Key valuation signals for PHS:SECB:
Debt-to-Equity: 0.44 (near median its 10-year median of 0.46)
GF Value™: ₱101.13 vs. price of ₱65.10 (35.6% below fair value)
Industry Position: 21.4% below the Banks median (#596 of 1422)
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.
85GF Score
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