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Bank of CommercePHS:BNCOM +0.19%69 Equity-to-Asset is 0.13 as of Jun. 2026, which is at its 10-year median of 0.13. GuruFocus rates PHS:BNCOM with a GF Score™ of 69/100 and a GF Value™ of ₱10.17 (Fairly Valued). The stock has 5 warning signs investors should review. Among 1,521 Banks companies, Bank of Commerce ranks better than 78.24% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. Bank of Commerce's Total Stockholders Equity for the quarter that ended in Jun. 2026 was ₱36,373 Mil. Bank of Commerce's Total Assets for the quarter that ended in Jun. 2026 was ₱287,509 Mil.
Therefore, Bank of Commerce's Equity to Asset Ratio for the quarter that ended in Jun. 2026 was 0.13.
The historical rank and industry rank for Bank of Commerce's Equity-to-Asset or its related term are showing as below:
PHS:BNCOM'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.1 Med: 0.13 Max: 0.14
Current: 0.13
During the past 12 years, the highest Equity to Asset Ratio of Bank of Commerce was 0.14. The lowest was 0.10. And the median was 0.13.
PHS:BNCOM's Equity-to-Asset is ranked better than 78.24% of 1521
companies
in the Banks industry
Industry Median: 0.1
vs PHS:BNCOM: 0.13
Bank of Commerce (PHS:BNCOM) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Bank of Commerce Equity-to-Asset Related Terms
Bank of Commerce Equity-to-Asset Historical Data
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The historical data trend for Bank of Commerce's Equity-to-Asset 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.
PHS:BNCOM vs JPM, BAC, WFC: Equity-to-Asset Comparison
For the Banks - Diversified subindustry, Bank of Commerce's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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.
Bank of Commerce Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Bank of Commerce's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Bank of Commerce's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Bank of Commerce's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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.
Bank of Commerce (PHS:BNCOM) has a Equity-to-Asset of 0.13 as of Jun. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Bank of Commerce and its competitors. This is near median its historical median of 0.13. Over the past decade, Bank of Commerce's Equity-to-Asset has ranged from 0.10 to 0.14. According to the industry distribution chart, Bank of Commerce ranks #331 out of 1521 companies in the Banks industry, placing it in the top 21.8%.
Is Bank of Commerce's Equity-to-Asset too high?
Bank of Commerce's current Equity-to-Asset of 0.13 is near median its 10-year median of 0.13. Over the past 10 years, this metric has ranged from a low of 0.10 to a high of 0.14. The Banks industry median Equity-to-Asset is 0.10. Bank of Commerce's value of 0.13 is 30% above this industry median. Based on the distribution chart, Bank of Commerce ranks #331 out of 1521 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Bank of Commerce has a GF Score™ of 69/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Bank of Commerce's Equity-to-Asset compare to JPM and BAC?
According to the Banks industry distribution chart, Bank of Commerce ranks #331 out of 1521 companies for Equity-to-Asset. This places Bank of Commerce in the top 22% of its industry — outperforming the majority of peers. The industry median Equity-to-Asset is 0.10. Bank of Commerce's value of 0.13 is 30% above this benchmark. Historically, Bank of Commerce's own Equity-to-Asset has ranged from 0.10 to 0.14 over the past decade. While the company's 10-year median is 0.13 vs. the industry median of 0.10, Bank of Commerce 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 Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,521 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bank of Commerce's current Equity-to-Asset of 0.13 is 30% 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Bank of Commerce and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bank of Commerce's current Equity-to-Asset is 0.13, which is near median its own 10-year median of 0.13. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bank of Commerce stock overvalued right now?
Based on GuruFocus' analysis, Bank of Commerce (PHS:BNCOM) is currently considered Fairly Valued. The stock's GF Value™ is ₱10.17, compared to a current price of ₱10.80 — trading 6.2% above its estimated fair value. The current Equity-to-Asset is 0.13, which is near median its 10-year median of 0.13 and 30% above the Banks industry median of 0.10. Bank of Commerce's overall GF Score™ is 69/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Bank of Commerce (PHS:BNCOM), the current Equity-to-Asset is 0.13 as of Jun. 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 Bank of Commerce (PHS:BNCOM) Overvalued in 2026?
Based on GuruFocus' analysis, Bank of Commerce stock appears to be overvalued.
The current stock price of ₱10.80 is trading 6.2% above its estimated GF Value™ of ₱10.17.
GuruFocus considers Bank of Commerce to be Fairly Valued.
Key valuation signals for PHS:BNCOM:
Equity-to-Asset: 0.13 (near median its 10-year median of 0.13)
GF Value™: ₱10.17 vs. price of ₱10.80 (6.2% above fair value)
Industry Position: 30% above the Banks median (#331 of 1521)
No single metric tells the full story. See the PHS:BNCOM stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Bank of Commerce is a universal bank focused on helping its clients, communities, and conglomerate partners by delivering financial services. It provides banking solutions and a complete products and services in deposit, commercial loans, credit card services, consumer banking, transaction banking, corporate banking, investment banking, treasury, asset management, trust, and investments. Its segments include Treasury Management Group, Corporate Banking Group, Branch Banking Group, Consumer Group, and Others, with the majority of the revenue deriving from Corporate Banking Group, which principally handles loans and other credit facilities for corporate, institutional, and middle market clients.
69GF Score
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