Bank of CommercePHS:BNCOM +3.52%76 EV-to-FCF is 0.14 as of Jul. 04, 2026, which is 8% above its 10-year median of 0.13. GuruFocus rates PHS:BNCOM with a GF Score™ of 76/100 and a GF Value™ of ₱9.27 (Modestly Overvalued). The stock has 1 warning sign investors should review. Among 1,193 Banks companies, Bank of Commerce ranks better than 83.65% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Bank of Commerce's Enterprise Value is ₱5,382 Mil.
Bank of Commerce's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was ₱37,773 Mil. Therefore, Bank of Commerce's EV-to-FCF for today is 0.14.
The historical rank and industry rank for Bank of Commerce's EV-to-FCF or its related term are showing as below:
PHS:BNCOM'
s EV-to-FCF Range Over the Past 10 Years
Min: -41.87 Med: 0.13 Max: 9.93
Current: 0.14
During the past 12 years, the highest EV-to-FCF of Bank of Commerce was 9.93. The lowest was -41.87. And the median was 0.13.
PHS:BNCOM's EV-to-FCF is ranked better than 83.65% of 1193
companies
in the Banks industry
Industry Median: 6.61
vs PHS:BNCOM: 0.14
EV-to-FCF 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.
Bank of Commerce (PHS:BNCOM) EV-to-FCF Explanation
EV-to-FCF 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.
Bank of Commerce's PE Ratio (TTM) for today is calculated as:
Bank of Commerce's share price for today is ₱10.58.
Bank of Commerce'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 ₱2.020.
* 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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Bank of Commerce EV-to-FCF Related Terms
Bank of Commerce EV-to-FCF Historical Data
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The historical data trend for Bank of Commerce's EV-to-FCF 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.
For the Banks - Diversified subindustry, Bank of Commerce's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Bank of Commerce's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Bank of Commerce's EV-to-FCF falls into.
Bank of Commerce's current Enterprise Value is ₱5,382 Mil.
Bank of Commerce's Free Cash Flow 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 ₱37,773 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.
Bank of Commerce (PHS:BNCOM) has a EV-to-FCF of 0.14 as of Jul. 04, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Bank of Commerce and its competitors. This is near median its historical median of 0.13. According to the industry distribution chart, Bank of Commerce ranks #195 out of 1193 companies in the Banks industry, placing it in the top 16.3%.
Is Bank of Commerce's EV-to-FCF too high?
Bank of Commerce's current EV-to-FCF of 0.14 is near median its 10-year median of 0.13. The Banks industry median EV-to-FCF is 6.61. Bank of Commerce's value of 0.14 is 97.9% below this industry median. Based on the distribution chart, Bank of Commerce ranks #195 out of 1193 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 76/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Bank of Commerce's EV-to-FCF compare to JPM and BAC?
According to the Banks industry distribution chart, Bank of Commerce ranks #195 out of 1193 companies for EV-to-FCF. This places Bank of Commerce in the top 16% of its industry — outperforming the majority of peers. The industry median EV-to-FCF is 6.61. Bank of Commerce's value of 0.14 is 97.9% below this benchmark. While the company's 10-year median is 0.13 vs. the industry median of 6.61, Bank of Commerce 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 EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.61, based on 1,193 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bank of Commerce's current EV-to-FCF of 0.14 is 97.9% 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-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Bank of Commerce and its competitors. For the Banks industry, the median EV-to-FCF is 6.61 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bank of Commerce's current EV-to-FCF is 0.14, 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 Modestly Overvalued. The stock's GF Value™ is ₱9.27, compared to a current price of ₱10.58 — trading 14.1% above its estimated fair value. The current EV-to-FCF is 0.14, which is near median its 10-year median of 0.13 and 97.9% below the Banks industry median of 6.61. Bank of Commerce's overall GF Score™ is 76/100 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-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Bank of Commerce (PHS:BNCOM), the current EV-to-FCF is 0.14 as of Jul. 04, 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 ₱10.58 is trading 14.1% above its estimated GF Value™ of ₱9.27.
GuruFocus considers Bank of Commerce to be Modestly Overvalued.
Key valuation signals for PHS:BNCOM:
EV-to-FCF: 0.14 (near median its 10-year median of 0.13)
GF Value™: ₱9.27 vs. price of ₱10.58 (14.1% above fair value)
Industry Position: 97.9% below the Banks median (#195 of 1193)
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.
76GF Score
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