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Security BankPHS:SECB +0.52%85 3-Year EPS without NRI Growth Rate is 3.40% as of Mar. 2026, which is 26% below its 10-year median of 4.60. GuruFocus rates PHS:SECB with a GF Score™ of 85/100 and a GF Value™ of ₱101.77 (Significantly Undervalued). The stock has 1 warning sign investors should review. Among 1,413 Banks companies, Security Bank ranks worse than 61.85% on this metric.
During the past 12 months, Security Bank's average EPS without NRI Growth Rate was 0.50% per year.
During the past 3 years, the average EPS without NRI Growth Rate was 3.40% per year.
During the past 5 years, the average EPS without NRI Growth Rate was 9.40% per year.
During the past 10 years, the average EPS without NRI Growth Rate was 1.90% 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 Security Bank was 35.20% per year. The lowest was -11.40% per year. And the median was 4.60% per year.
Security Bank (PHS:SECB) 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.
Security Bank 3-Year EPS without NRI Growth Rate Related Terms
Security Bank 3-Year EPS without NRI Growth Rate Competitor Comparison
For the Banks - Regional subindustry, Security Bank'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.
Security Bank 3-Year EPS without NRI Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, Security Bank's 3-Year EPS without NRI Growth Rate distribution charts can be found below:
* The bar in red indicates where Security Bank's 3-Year EPS without NRI Growth Rate falls into.
Security Bank 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 3.40% mean?
Security Bank (PHS:SECB) has a 3-Year EPS without NRI Growth Rate of 3.40% 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 Security Bank and its competitors. This is 26% below median its historical median of 4.60. According to the industry distribution chart, Security Bank ranks #874 out of 1413 companies in the Banks industry, placing it in the top 61.9%.
Is Security Bank's 3-Year EPS without NRI Growth Rate too high?
Security Bank's current 3-Year EPS without NRI Growth Rate of 3.40% is 26% below median its 10-year median of 4.60. The Banks industry median 3-Year EPS without NRI Growth Rate is 7.30. Security Bank's value of 3.40% is 53.4% below this industry median. Based on the distribution chart, Security Bank ranks #874 out of 1413 companies in the Banks industry, which is below 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 3-Year EPS without NRI Growth Rate compare to competitors?
According to the Banks industry distribution chart, Security Bank ranks #874 out of 1413 companies for 3-Year EPS without NRI Growth Rate. This places Security Bank in the lower half of its industry. The industry median 3-Year EPS without NRI Growth Rate is 7.30. Security Bank's value of 3.40% is 53.4% below this benchmark. While the company's 10-year median is 4.60 vs. the industry median of 7.30, 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 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 1,413 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. Security Bank's current 3-Year EPS without NRI Growth Rate of 3.40% is 53.4% 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 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 Security Bank 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. Security Bank's current 3-Year EPS without NRI Growth Rate is 3.40%, which is 26% below median its own 10-year median of 4.60. 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 ₱101.77, compared to a current price of ₱67.50 — trading 33.7% below its estimated fair value. The current 3-Year EPS without NRI Growth Rate is 3.40%, which is 26% below median its 10-year median of 4.60 and 53.4% below the Banks industry median of 7.30. 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 3-Year EPS without NRI Growth Rate calculated?
3-Year EPS without NRI Growth Rate is calculated from a company's financial statements. For Security Bank (PHS:SECB), the current 3-Year EPS without NRI Growth Rate is 3.40% 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 ₱67.50 is trading 33.7% below its estimated GF Value™ of ₱101.77.
GuruFocus considers Security Bank to be Significantly Undervalued.
Key valuation signals for PHS:SECB:
3-Year EPS without NRI Growth Rate: 3.40% (26% below median its 10-year median of 4.60)
GF Value™: ₱101.77 vs. price of ₱67.50 (33.7% below fair value)
Industry Position: 53.4% below the Banks median (#874 of 1413)
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
Get the complete analysis for PHS:SECB
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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