Security BankPHS:SECB +0.08%85 FCF Margin % is 207.16% as of Mar. 2026, which is 129% above its 10-year median of 90.53. GuruFocus rates PHS:SECB with a GF Score™ of 85/100 and a GF Value™ of ₱100.71 (Significantly Undervalued). The stock has 1 warning sign investors should review. Among 1,505 Banks companies, Security Bank ranks better than 84.58% on this metric.
FCF Margin % is calculated as Free Cash Flow divided by its Revenue. Security Bank's Free Cash Flow for the
three
months ended in Mar. 2026 was ₱34,620 Mil. Security Bank's Revenue for the
three
months ended in Mar. 2026 was ₱16,712 Mil. Therefore, Security Bank's FCF Margin % for the quarter that ended in Mar. 2026 was 207.16%.
The historical rank and industry rank for Security Bank's FCF Margin % or its related term are showing as below:
PHS:SECB'
s FCF Margin % Range Over the Past 10 Years
Min: -71.03 Med: 90.53 Max: 223.16
Current: 94.82
During the past 13 years, the highest FCF Margin % of Security Bank was 223.16%. The lowest was -71.03%. And the median was 90.53%.
PHS:SECB's FCF Margin % is ranked better than 84.58% of 1505
companies
in the Banks industry
Industry Median: 26.42
vs PHS:SECB: 94.82
Security Bank FCF Margin % Related Terms
Security Bank FCF Margin % Historical Data
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The historical data trend for Security Bank's FCF Margin % 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 - Regional subindustry, Security 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.
Security Bank FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Security Bank's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Security 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.
Security Bank (PHS:SECB) has a FCF Margin % of 207.16% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Security Bank and its competitors. This is 129% above median its historical median of 90.53. According to the industry distribution chart, Security Bank ranks #232 out of 1505 companies in the Banks industry, placing it in the top 15.4%.
Is Security Bank's FCF Margin % too high?
Security Bank's current FCF Margin % of 207.16% is 129% above median its 10-year median of 90.53. The Banks industry median FCF Margin % is 26.42. Security Bank's value of 207.16% is 684.1% above this industry median. Based on the distribution chart, Security Bank ranks #232 out of 1505 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Security Bank has a GF Score™ of 85/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Security Bank's FCF Margin % compare to competitors?
According to the Banks industry distribution chart, Security Bank ranks #232 out of 1505 companies for FCF Margin %. This places Security Bank in the top 15% of its industry — outperforming the majority of peers. The industry median FCF Margin % is 26.42. Security Bank's value of 207.16% is 684.1% above this benchmark. While the company's 10-year median is 90.53 vs. the industry median of 26.42, Security Bank 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 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. Security Bank's current FCF Margin % of 207.16% is 684.1% 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 Security 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. Security Bank's current FCF Margin % is 207.16%, which is 129% above median its own 10-year median of 90.53. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Security Bank stock overvalued right now?
Based on GuruFocus' analysis, Security Bank (PHS:SECB) is currently considered Significantly Undervalued. The stock's GF Value™ is ₱100.71, compared to a current price of ₱65.50 — trading 35% below its estimated fair value. The current FCF Margin % is 207.16%, which is 129% above median its 10-year median of 90.53 and 684.1% above the Banks industry median of 26.42. Security Bank's overall GF Score™ is 85/100 with 1 warning sign 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 Security Bank (PHS:SECB), the current FCF Margin % is 207.16% 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 Security Bank (PHS:SECB) Overvalued in 2026?
Based on GuruFocus' analysis, Security Bank stock appears to be undervalued.
The current stock price of ₱65.50 is trading 35% below its estimated GF Value™ of ₱100.71.
GuruFocus considers Security Bank to be Significantly Undervalued.
Key valuation signals for PHS:SECB:
FCF Margin %: 207.16% (129% above median its 10-year median of 90.53)
GF Value™: ₱100.71 vs. price of ₱65.50 (35% below fair value)
Industry Position: 684.1% above the Banks median (#232 of 1505)
No single metric tells the full story. See the PHS:SECB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Security Bank Corp is engaged in banking. It operates in four segments: the Financial Markets Segment focuses on providing the money market, foreign exchange, financial derivatives, securities distribution, asset management, trust, and fiduciary services; the Wholesale Banking Segment addresses the corporate, institutional, and public sector markets and commercial clients. Services include relationship management, lending and other credit facilities, trade, cash management, deposit-taking, and leasing services; the Retail Banking Segment addresses individual, retail, and small businesses; the Business Banking segment covers deposit-taking and servicing, consumer loans, credit card facilities, and bancassurance; and All Other Segments include other support services.
85GF 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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