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During the past 12 months, Philippine National Bank's average EPS without NRIGrowth Rate was 15.40% per year.
During the past 3 years, the average EPS without NRIGrowth Rate was 54.30% per year.
During the past 5 years, the average EPS without NRIGrowth Rate was 51.60% per year.
During the past 10 years, the average EPS without NRIGrowth Rate was 13.00% 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 EPS without NRI Growth Rate using EPS without NRI data.
During the past 13 years, Philippine National Bank's highest 3-Year average EPS without NRI Growth Rate was 74.70% per year. The lowest was -17.70% per year. And the median was 14.90% per year.
Philippine National Bank (PHS:PNB) EPS (Diluted) Explanation
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 EPS without NRI, which better reflects the company's underlying performance.
Be Aware
Compared with Earnings per share, a company's cash flow is better indicator of the company's earnings power.
If a company's earnings per share is less than cash flow per share over long term, investors need to be cautious and find out why.
Philippine National Bank EPS (Diluted) Related Terms
Philippine National Bank EPS (Diluted) 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.
Philippine National Bank EPS (Diluted) Competitor Comparison
For the Banks - Regional subindustry, Philippine National Bank's PE Ratio, along with its competitors' market caps and PE Ratio 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 National Bank PE Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Philippine National Bank's PE Ratio distribution charts can be found below:
* The bar in red indicates where Philippine National Bank's PE Ratio falls into.
Philippine National Bank EPS (Diluted) Calculation
EPS (Diluted) is a rough measurement of the amount of a company's profit that can be allocated to one share of its stock. Diluted EPS takes into account all of the outstanding dilutive securities that could potentially be exercised (such as stock options and convertible preferred stock) and shows how such an action would impact earnings per share.
Philippine National Bank's Diluted EPS for the fiscal year that ended in Dec. 2025 is calculated as
EPS (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 ₱16.73
* 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 National Bank (PHS:PNB) has a EPS (Diluted) of ₱16.73 as of Mar. 2026. Earnings per share (diluted) equals net income divided by the diluted average shares outstanding. View historical data on Philippine National Bank and its competitors.
Is Philippine National Bank's EPS (Diluted) too high?
Philippine National Bank's current EPS (Diluted) is ₱16.73. Overall, Philippine National Bank has a GF Score™ of 73/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Philippine National Bank's EPS (Diluted) compare to competitors?
Philippine National Bank's EPS (Diluted) of ₱16.73 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EPS (Diluted) for a Banks company?
A good EPS (Diluted) depends on the Banks industry context. However, EPS (Diluted) should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EPS (Diluted) mean?
A high EPS (Diluted) can signal that a stock is expensive relative to its fundamentals. Earnings per share (diluted) equals net income divided by the diluted average shares outstanding. View historical data on Philippine National Bank and its competitors. Philippine National Bank's current EPS (Diluted) is ₱16.73. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Philippine National Bank stock overvalued right now?
Based on GuruFocus' analysis, Philippine National Bank (PHS:PNB) is currently considered Significantly Overvalued. The stock's GF Value™ is ₱32.09, compared to a current price of ₱62.60 — trading 95.1% above its estimated fair value. The current EPS (Diluted) is ₱16.73. Philippine National Bank's overall GF Score™ is 73/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EPS (Diluted) calculated?
EPS (Diluted) is calculated from a company's financial statements. For Philippine National Bank (PHS:PNB), the current EPS (Diluted) is ₱16.73 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 National Bank (PHS:PNB) Overvalued in 2026?
Based on GuruFocus' analysis, Philippine National Bank stock appears to be overvalued.
The current stock price of ₱62.60 is trading 95.1% above its estimated GF Value™ of ₱32.09.
GuruFocus considers Philippine National Bank to be Significantly Overvalued.
Key valuation signals for PHS:PNB:
EPS (Diluted): ₱16.73
GF Value™: ₱32.09 vs. price of ₱62.60 (95.1% above fair value)
No single metric tells the full story. See the PHS:PNB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Philippine National Bank provides a full range of banking and other financial services, which include deposit-taking, lending, bills discounting, trade finance, foreign exchange dealings, treasury operations, wealth management, fund transfers, remittance and trust services. Business segments are Retail Banking which principally handling individual customers deposits, and providing consumer type loans; Corporate Banking which principally handling loans and other credit facilities and deposit; Treasury which principally providing money market, treasury services; Other Segments. The company generates majority of interest from Retail Banking. It has presence in Philippines, Asia (excluding Philippines), USA and Canada, United Kingdom of which majority of revenue comes from Philippines.
73GF Score
Get the complete analysis for PHS:PNB
EPS (Diluted) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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