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The historical rank and industry rank for Philippine Business Bank's EV-to-OCF or its related term are showing as below:
PHS:PBB'
s EV-to-OCF Range Over the Past 10 Years
Min: -4.54 Med: -0.3 Max: 30.83
Current: 3.1
During the past 13 years, the highest EV-to-OCF of Philippine Business Bank was 30.83. The lowest was -4.54. And the median was -0.30.
PHS:PBB's EV-to-OCF is ranked better than 53.24% of 1499
companies
in the Banks industry
Industry Median: 3.75
vs PHS:PBB: 3.10
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Philippine Business Bank (PHS:PBB) EV-to-OCF Explanation
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Philippine Business Bank's PE Ratio (TTM) for today is calculated as:
Philippine Business Bank's share price for today is ₱7.00.
Philippine Business Bank's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₱1.860.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Philippine Business Bank EV-to-OCF Related Terms
Philippine Business Bank EV-to-OCF 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 EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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 EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, Philippine Business Bank's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Philippine Business Bank's EV-to-OCF falls into.
Philippine Business Bank's current Enterprise Value is ₱485 Mil.
Philippine Business Bank's Cash Flow from Operations for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₱156 Mil.
* 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 EV-to-OCF of 3.10 as of Jul. 20, 2026. According to the industry distribution chart, Philippine Business Bank ranks #701 out of 1499 companies in the Banks industry, placing it in the top 46.8%.
Is Philippine Business Bank's EV-to-OCF too high?
Philippine Business Bank's current EV-to-OCF is 3.10. The Banks industry median EV-to-OCF is 3.75. Philippine Business Bank's value of 3.10 is 17.3% below this industry median. Based on the distribution chart, Philippine Business Bank ranks #701 out of 1499 companies in the Banks industry, which is above the industry midpoint. Overall, Philippine Business Bank has a GF Score™ of 65/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Philippine Business Bank's EV-to-OCF compare to PNC and USB?
According to the Banks industry distribution chart, Philippine Business Bank ranks #701 out of 1499 companies for EV-to-OCF. This puts Philippine Business Bank in the upper half of its industry. The industry median EV-to-OCF is 3.75. Philippine Business Bank's value of 3.10 is 17.3% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-OCF for a Banks company?
The median EV-to-OCF among Banks companies is 3.75, based on 1,499 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Philippine Business Bank's current EV-to-OCF of 3.10 is 17.3% 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 EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median EV-to-OCF is 3.75 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Philippine Business Bank's current EV-to-OCF is 3.10. 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 ₱7.00 — trading 19.5% below its estimated fair value. The current EV-to-OCF is 3.10 and 17.3% below the Banks industry median of 3.75. Philippine Business Bank's overall GF Score™ is 65/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Philippine Business Bank (PHS:PBB), the current EV-to-OCF is 3.10 as of Jul. 20, 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 ₱7.00 is trading 19.5% below its estimated GF Value™ of ₱8.70.
GuruFocus considers Philippine Business Bank to be Modestly Undervalued.
Key valuation signals for PHS:PBB:
EV-to-OCF: 3.10
GF Value™: ₱8.70 vs. price of ₱7.00 (19.5% below fair value)
Industry Position: 17.3% below the Banks median (#701 of 1499)
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.
65GF Score
Get the complete analysis for PHS:PBB
EV-to-OCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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