Philippine Bank of Communications has the GF Score of 62, which implies that the company
might have
Poor future performance potential.
The GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation, which has been found to be closely correlated to the long-term performances of stocks by backtesting from 2006 to 2021. The stocks with a higher GF Score generally generate higher returns than those with lower GF Scores. Therefore, when picking stocks, investors should invest in companies with high GF Scores. The GF Score ranges from 0 to 100, with 100 as the highest rank.
GF Score takes following five key aspects into consideration:
Each one of these components is ranked and the ranks also have positive correlation with the long term performances of stocks. The GF score is calculated using the five key aspects of analysis. Through backtesting, we know that each of these key aspects has a different impact on the stock price performance. Thus, they are weighted differently when calculating the total score. The Profitability Rank and the Growth Rank are weighted fully, while other parameters have less weight.
Based on research and backtesting result, GuruFocus believes Philippine Bank of Communications
might have
Poor future performance potential.
Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.
Philippine Bank of Communications (PHS:PBC) GF Score Explanation
Based on the historical long-term performances among five valuation aspects, the GF Score is found to be closely correlated to the long-term performances of stocks. It ranges from 0 to 100, with 100 as the highest. GuruFocus divided GF Score into following 5 categories:
GF Score
Performance Potential and All-in-One Screener Examples (1)
(1) These are some simple examples. You can access our GF Score filter under All-in-One Screener’s Fundamental tab.
Philippine Bank of Communications GF Score Related Terms
PHS:PBC vs PNC, USB: GF Score Comparison
For the Banks - Regional subindustry, Philippine Bank of Communications's GF Score, along with its competitors' market caps and GF Score 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 GF Score vs Banks Industry
For the Banks industry and Financial Services sector, Philippine Bank of Communications's GF Score distribution charts can be found below:
* The bar in red indicates where Philippine Bank of Communications's GF Score falls into.
Philippine Bank of Communications (PHS:PBC) has a GF Score of 62 as of Jun. 26, 2026. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on Philippine Bank of Communications and its competitors. This is near median its historical median of 57.00. Over the past decade, Philippine Bank of Communications' GF Score has ranged from 25.00 to 70.00.
Is Philippine Bank of Communications' GF Score too high?
Philippine Bank of Communications' current GF Score of 62 is near median its 10-year median of 57.00. Over the past 10 years, this metric has ranged from a low of 25.00 to a high of 70.00. 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' GF Score compare to PNC and USB?
Philippine Bank of Communications' GF Score of 62 can be compared against companies in the Banks industry. Historically, Philippine Bank of Communications' own GF Score has ranged from 25.00 to 70.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good GF Score for a Banks company?
A good GF Score depends on the Banks industry context. However, GF Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high GF Score mean?
A high GF Score can signal that a stock is expensive relative to its fundamentals. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on Philippine Bank of Communications and its competitors. Philippine Bank of Communications's current GF Score is 62, which is near median its own 10-year median of 57.00. 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 ₱19.94, compared to a current price of ₱15.42 — trading 22.7% below its estimated fair value. The current GF Score is 62, which is near median its 10-year median of 57.00. 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 GF Score calculated?
GF Score is calculated from a company's financial statements. For Philippine Bank of Communications (PHS:PBC), the current GF Score is 62 as of Jun. 26, 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 ₱15.42 is trading 22.7% below its estimated GF Value™ of ₱19.94.
GuruFocus considers Philippine Bank of Communications to be Modestly Undervalued.
Key valuation signals for PHS:PBC:
GF Score: 62 (near median its 10-year median of 57.00)
GF Value™: ₱19.94 vs. price of ₱15.42 (22.7% below fair value)
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
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