Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Philippine Bank of CommunicationsPHS:PBC 62 Equity-to-Asset is 0.11 as of Mar. 2026, which is 8% below its 10-year median of 0.12. GuruFocus rates PHS:PBC with a GF Score™ of 62/100 and a GF Value™ of ₱20.10 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 1,524 Banks companies, Philippine Bank of Communications ranks better than 64.63% on this metric.
The historical rank and industry rank for Philippine Bank of Communications's Equity-to-Asset or its related term are showing as below:
PHS:PBC'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.1 Med: 0.12 Max: 0.14
Current: 0.11
During the past 13 years, the highest Equity to Asset Ratio of Philippine Bank of Communications was 0.14. The lowest was 0.10. And the median was 0.12.
PHS:PBC's Equity-to-Asset is ranked better than 64.63% of 1524
companies
in the Banks industry
Industry Median: 0.1
vs PHS:PBC: 0.11
Philippine Bank of Communications (PHS:PBC) 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%.
Philippine Bank of Communications Equity-to-Asset Related Terms
Philippine Bank of Communications Equity-to-Asset 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 Bank of Communications Equity-to-Asset Chart
For the Banks - Regional subindustry, Philippine Bank of Communications'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.
Philippine Bank of Communications Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Philippine Bank of Communications's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Philippine Bank of Communications's Equity-to-Asset falls into.
Philippine Bank of Communications Equity-to-Asset Calculation
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.
* 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 Bank of Communications (PHS:PBC) has a Equity-to-Asset of 0.11 as of Mar. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Philippine Bank of Communications and its competitors. This is near median its historical median of 0.12. Over the past decade, Philippine Bank of Communications' Equity-to-Asset has ranged from 0.10 to 0.14. According to the industry distribution chart, Philippine Bank of Communications ranks #539 out of 1524 companies in the Banks industry, placing it in the top 35.4%.
Is Philippine Bank of Communications' Equity-to-Asset too high?
Philippine Bank of Communications' current Equity-to-Asset of 0.11 is near median its 10-year median of 0.12. 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. Philippine Bank of Communications' value of 0.11 is 10% above this industry median. Based on the distribution chart, Philippine Bank of Communications ranks #539 out of 1524 companies in the Banks industry, which is above the industry midpoint. Overall, Philippine Bank of Communications has a GF Score™ of 62/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Philippine Bank of Communications' Equity-to-Asset compare to PNC and USB?
According to the Banks industry distribution chart, Philippine Bank of Communications ranks #539 out of 1524 companies for Equity-to-Asset. This puts Philippine Bank of Communications in the upper half of its industry. The industry median Equity-to-Asset is 0.10. Philippine Bank of Communications' value of 0.11 is 10% above this benchmark. Historically, Philippine Bank of Communications' own Equity-to-Asset has ranged from 0.10 to 0.14 over the past decade. While the company's 10-year median is 0.12 vs. the industry median of 0.10, 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 Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,524 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. Philippine Bank of Communications's current Equity-to-Asset of 0.11 is 10% 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 Philippine Bank of Communications 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. Philippine Bank of Communications's current Equity-to-Asset is 0.11, which is near median its own 10-year median of 0.12. 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 ₱20.10, compared to a current price of ₱14.80 — trading 26.4% below its estimated fair value. The current Equity-to-Asset is 0.11, which is near median its 10-year median of 0.12 and 10% above the Banks industry median of 0.10. Philippine Bank of Communications' overall GF Score™ is 62/100 with 3 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 Philippine Bank of Communications (PHS:PBC), the current Equity-to-Asset is 0.11 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 26.4% below its estimated GF Value™ of ₱20.10.
GuruFocus considers Philippine Bank of Communications to be Modestly Undervalued.
Key valuation signals for PHS:PBC:
Equity-to-Asset: 0.11 (near median its 10-year median of 0.12)
GF Value™: ₱20.10 vs. price of ₱14.80 (26.4% below fair value)
Industry Position: 10% above the Banks median (#539 of 1524)
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 Business Description
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.
62GF Score
Get the complete analysis for PHS:PBC
Equity-to-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
PHS:PBC has been successfully added to your 
