* 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Philippine Business Bank's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Philippine Business Bank's FCF Margin % falls into.
* 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 FCF Margin % of 248.73% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Philippine Business Bank and its competitors. According to the industry distribution chart, Philippine Business Bank ranks #1114 out of 1505 companies in the Banks industry, placing it in the top 74%.
Is Philippine Business Bank's FCF Margin % too high?
Philippine Business Bank's current FCF Margin % is 248.73%. The Banks industry median FCF Margin % is 26.42. Philippine Business Bank's value of 248.73% is 841.4% above this industry median. Based on the distribution chart, Philippine Business Bank ranks #1114 out of 1505 companies in the Banks industry, which is below the industry midpoint. Overall, Philippine Business Bank has a GF Score™ of 63/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Philippine Business Bank's FCF Margin % compare to PNC and USB?
According to the Banks industry distribution chart, Philippine Business Bank ranks #1114 out of 1505 companies for FCF Margin %. This places Philippine Business Bank in the lower half of its industry. The industry median FCF Margin % is 26.42. Philippine Business Bank's value of 248.73% is 841.4% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.42, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Philippine Business Bank's current FCF Margin % of 248.73% is 841.4% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Philippine Business Bank and its competitors. For the Banks industry, the median FCF Margin % is 26.42 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Philippine Business Bank's current FCF Margin % is 248.73%. 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 ₱8.68, compared to a current price of ₱7.06 — trading 18.7% below its estimated fair value. The current FCF Margin % is 248.73% and 841.4% above the Banks industry median of 26.42. Philippine Business Bank's overall GF Score™ is 63/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Philippine Business Bank (PHS:PBB), the current FCF Margin % is 248.73% 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 Business Bank (PHS:PBB) Overvalued in 2026?
Based on GuruFocus' analysis, Philippine Business Bank stock appears to be undervalued.
The current stock price of ₱7.06 is trading 18.7% below its estimated GF Value™ of ₱8.68.
GuruFocus considers Philippine Business Bank to be Modestly Undervalued.
Key valuation signals for PHS:PBB:
FCF Margin %: 248.73%
GF Value™: ₱8.68 vs. price of ₱7.06 (18.7% below fair value)
Industry Position: 841.4% above the Banks median (#1114 of 1505)
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.
63GF Score
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FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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