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Philippine National Bank has the GF Score of 73, which implies that the company
is
Likely to have average performance.
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 National Bank
is
Likely to have average performance.
Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.
Philippine National Bank (PHS:PNB) 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 National Bank GF Score Related Terms
Philippine National Bank GF Score Competitor Comparison
For the Banks - Regional subindustry, Philippine National Bank'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 National Bank GF Score vs Banks Industry
For the Banks industry and Financial Services sector, Philippine National Bank's GF Score distribution charts can be found below:
* The bar in red indicates where Philippine National Bank's GF Score falls into.
Philippine National Bank (PHS:PNB) has a GF Score of 73 as of Aug. 04, 2026. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on Philippine National Bank and its competitors. This is 11% above median its historical median of 66.00. Over the past decade, Philippine National Bank's GF Score has ranged from 43.00 to 84.00.
Is Philippine National Bank's GF Score too high?
Philippine National Bank's current GF Score of 73 is 11% above median its 10-year median of 66.00. Over the past 10 years, this metric has ranged from a low of 43.00 to a high of 84.00. Overall, Philippine National Bank has a GF Score™ of 73/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Philippine National Bank's GF Score compare to competitors?
Philippine National Bank's GF Score of 73 can be compared against companies in the Banks industry. Historically, Philippine National Bank's own GF Score has ranged from 43.00 to 84.00 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 National Bank and its competitors. Philippine National Bank's current GF Score is 73, which is 11% above median its own 10-year median of 66.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Philippine National Bank stock overvalued right now?
Based on GuruFocus' analysis, Philippine National Bank (PHS:PNB) is currently considered Significantly Overvalued. The stock's GF Value™ is ₱32.09, compared to a current price of ₱62.60 — trading 95.1% above its estimated fair value. The current GF Score is 73, which is 11% above median its 10-year median of 66.00. Philippine National Bank's overall GF Score™ is 73/100 with 1 warning sign 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 National Bank (PHS:PNB), the current GF Score is 73 as of Aug. 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 Philippine National Bank (PHS:PNB) Overvalued in 2026?
Based on GuruFocus' analysis, Philippine National Bank stock appears to be overvalued.
The current stock price of ₱62.60 is trading 95.1% above its estimated GF Value™ of ₱32.09.
GuruFocus considers Philippine National Bank to be Significantly Overvalued.
Key valuation signals for PHS:PNB:
GF Score: 73 (11% above median its 10-year median of 66.00)
GF Value™: ₱32.09 vs. price of ₱62.60 (95.1% above fair value)
No single metric tells the full story. See the PHS:PNB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Philippine National Bank provides a full range of banking and other financial services, which include deposit-taking, lending, bills discounting, trade finance, foreign exchange dealings, treasury operations, wealth management, fund transfers, remittance and trust services. Business segments are Retail Banking which principally handling individual customers deposits, and providing consumer type loans; Corporate Banking which principally handling loans and other credit facilities and deposit; Treasury which principally providing money market, treasury services; Other Segments. The company generates majority of interest from Retail Banking. It has presence in Philippines, Asia (excluding Philippines), USA and Canada, United Kingdom of which majority of revenue comes from Philippines.
73GF Score
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