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Philippine Bank of CommunicationsPHS:PBC 61 3-Year EPS without NRI Growth Rate is 16.20% as of Mar. 2026, which is 6% above its 10-year median of 15.25. GuruFocus rates PHS:PBC with a GF Score™ of 61/100 and a GF Value™ of ₱20.23 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 1,411 Banks companies, Philippine Bank of Communications ranks better than 70.09% on this metric.
During the past 12 months, Philippine Bank of Communications's average EPS without NRI Growth Rate was 12.20% per year.
During the past 3 years, the average EPS without NRI Growth Rate was 16.20% per year.
During the past 5 years, the average EPS without NRI Growth Rate was 15.60% 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 EPS without NRI growth rate.
During the past 13 years, the highest 3-Year average EPS without NRI Growth Rate of Philippine Bank of Communications was 100.70% per year. The lowest was -58.70% per year. And the median was 15.25% per year.
Philippine Bank of Communications (PHS:PBC) 3-Year EPS without NRI Growth Rate Explanation
EPS without NRI is the amount of earnings without non-recurring items per outstanding share of the company's stock.
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists Earnings per share without Non-Recurring Items, which better reflects the company's underlying performance.
Philippine Bank of Communications 3-Year EPS without NRI Growth Rate Related Terms
PHS:PBC vs PNC, USB: 3-Year EPS without NRI Growth Rate Comparison
For the Banks - Regional subindustry, Philippine Bank of Communications's 3-Year EPS without NRI Growth Rate, along with its competitors' market caps and 3-Year EPS without NRI 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 EPS without NRI Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, Philippine Bank of Communications's 3-Year EPS without NRI Growth Rate distribution charts can be found below:
* The bar in red indicates where Philippine Bank of Communications's 3-Year EPS without NRI Growth Rate falls into.
Philippine Bank of Communications 3-Year EPS without NRI Growth Rate Calculation
This is the 3-year average growth rate of EPS without NRI. 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 EPS without NRI growth rate.
What does a 3-Year EPS without NRI Growth Rate of 16.20% mean?
Philippine Bank of Communications (PHS:PBC) has a 3-Year EPS without NRI Growth Rate of 16.20% as of Mar. 2026. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Philippine Bank of Communications and its competitors. This is near median its historical median of 15.25. According to the industry distribution chart, Philippine Bank of Communications ranks #422 out of 1411 companies in the Banks industry, placing it in the top 29.9%.
Is Philippine Bank of Communications' 3-Year EPS without NRI Growth Rate too high?
Philippine Bank of Communications' current 3-Year EPS without NRI Growth Rate of 16.20% is near median its 10-year median of 15.25. The Banks industry median 3-Year EPS without NRI Growth Rate is 7.30. Philippine Bank of Communications' value of 16.20% is 121.9% above this industry median. Based on the distribution chart, Philippine Bank of Communications ranks #422 out of 1411 companies in the Banks industry, which is above the industry midpoint. Overall, Philippine Bank of Communications has a GF Score™ of 61/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Philippine Bank of Communications' 3-Year EPS without NRI Growth Rate compare to PNC and USB?
According to the Banks industry distribution chart, Philippine Bank of Communications ranks #422 out of 1411 companies for 3-Year EPS without NRI Growth Rate. This puts Philippine Bank of Communications in the upper half of its industry. The industry median 3-Year EPS without NRI Growth Rate is 7.30. Philippine Bank of Communications' value of 16.20% is 121.9% above this benchmark. While the company's 10-year median is 15.25 vs. the industry median of 7.30, 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 EPS without NRI Growth Rate for a Banks company?
The median 3-Year EPS without NRI Growth Rate among Banks companies is 7.30, based on 1,411 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EPS without NRI Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EPS without NRI 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 EPS without NRI Growth Rate of 16.20% is 121.9% 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 EPS without NRI Growth Rate mean?
A high 3-Year EPS without NRI Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Philippine Bank of Communications and its competitors. For the Banks industry, the median 3-Year EPS without NRI Growth Rate is 7.30 — 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 EPS without NRI Growth Rate is 16.20%, which is near median its own 10-year median of 15.25. 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 ₱20.23, compared to a current price of ₱14.80 — trading 26.8% below its estimated fair value. The current 3-Year EPS without NRI Growth Rate is 16.20%, which is near median its 10-year median of 15.25 and 121.9% above the Banks industry median of 7.30. Philippine Bank of Communications' overall GF Score™ is 61/100 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 EPS without NRI Growth Rate calculated?
3-Year EPS without NRI Growth Rate is calculated from a company's financial statements. For Philippine Bank of Communications (PHS:PBC), the current 3-Year EPS without NRI Growth Rate is 16.20% 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 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 ₱14.80 is trading 26.8% below its estimated GF Value™ of ₱20.23.
GuruFocus considers Philippine Bank of Communications to be Modestly Undervalued.
Key valuation signals for PHS:PBC:
3-Year EPS without NRI Growth Rate: 16.20% (near median its 10-year median of 15.25)
GF Value™: ₱20.23 vs. price of ₱14.80 (26.8% below fair value)
Industry Position: 121.9% above the Banks median (#422 of 1411)
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.
61GF Score
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3-Year EPS without NRI Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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