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Metropolitan Bank & Trust CoPHS:MBT +0.68%85 Intrinsic Value: Projected FCF is ₱269.30 as of Aug. 05, 2026, which is 100% below its 10-year median of 0.46. GuruFocus rates PHS:MBT with a GF Score™ of 85/100 and a GF Value™ of ₱77.21 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 1,302 Banks companies, Metropolitan Bank & Trust Co ranks better than 82.64% on this metric.
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company. The details of how we calculate the intrinsic value of stocks are described in detail here.
The historical rank and industry rank for Metropolitan Bank & Trust Co's Intrinsic Value: Projected FCF or its related term are showing as below:
PHS:MBT'
s Price-to-Projected-FCF Range Over the Past 10 Years
Min: 0.19 Med: 0.46 Max: 7.14
Current: 0.25
During the past 13 years, the highest Price-to-Intrinsic-Value-Projected-FCF of Metropolitan Bank & Trust Co was 7.14. The lowest was 0.19. And the median was 0.46.
PHS:MBT's Price-to-Projected-FCF is ranked better than 82.64% of 1302
companies
in the Banks industry
Industry Median: 0.59
vs PHS:MBT: 0.25
Metropolitan Bank & Trust Co (PHS:MBT) Intrinsic Value: Projected FCF Explanation
The growth multiple is capped between 8.35 and 17.74.
Total Stockholders Equity weighting is more art than science and it should always be revisited in more detail when researching a company. Weightings from 0% to 100% to more than 100% are possible. 80% was chosen as a happy median after taking the above ideas into consideration.
Metropolitan Bank & Trust Co's Price-to-Intrinsic-Value-Projected-FCF for today is calculated as
Price-to-Intrinsic-Value-Projected-FCF
=
Share Price
/
Intrinsic Value: Projected FCF
=
66.65
/
269.29706109339
=
0.25
* 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.
Metropolitan Bank & Trust Co Intrinsic Value: Projected FCF Related Terms
Metropolitan Bank & Trust Co Intrinsic Value: Projected FCF Historical Data
* 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.
Metropolitan Bank & Trust Co Intrinsic Value: Projected FCF Chart
Metropolitan Bank & Trust Co Intrinsic Value: Projected FCF Competitor Comparison
For the Banks - Regional subindustry, Metropolitan Bank & Trust Co's Price-to-Projected-FCF, along with its competitors' market caps and Price-to-Projected-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.
Metropolitan Bank & Trust Co Price-to-Projected-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Metropolitan Bank & Trust Co's Price-to-Projected-FCF distribution charts can be found below:
* The bar in red indicates where Metropolitan Bank & Trust Co's Price-to-Projected-FCF falls into.
Metropolitan Bank & Trust Co Intrinsic Value: Projected FCF Calculation
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company.
The details of how we calculate the intrinsic value of stocks are described in detail here.
This method smooths out the free cash flow over the past 6-7 years, multiplies the results by a growth multiple, and adds a portion of Total Stockholders Equity.
* 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.
What does a Intrinsic Value: Projected FCF of ₱269.30 mean?
Metropolitan Bank & Trust Co (PHS:MBT) has a Intrinsic Value: Projected FCF of ₱269.30 as of Aug. 05, 2026. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on Metropolitan Bank & Trust Co and its competitors. This is 58443% above median its historical median of 0.46. Over the past decade, Metropolitan Bank & Trust Co's Intrinsic Value: Projected FCF has ranged from 0.19 to 7.14. According to the industry distribution chart, Metropolitan Bank & Trust Co ranks #226 out of 1302 companies in the Banks industry, placing it in the top 17.4%.
Is Metropolitan Bank & Trust Co's Intrinsic Value: Projected FCF too high?
Metropolitan Bank & Trust Co's current Intrinsic Value: Projected FCF of ₱269.30 is 58443% above median its 10-year median of 0.46. Over the past 10 years, this metric has ranged from a low of 0.19 to a high of 7.14. Based on the distribution chart, Metropolitan Bank & Trust Co ranks #226 out of 1302 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Metropolitan Bank & Trust Co has a GF Score™ of 85/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Metropolitan Bank & Trust Co's Intrinsic Value: Projected FCF compare to competitors?
According to the Banks industry distribution chart, Metropolitan Bank & Trust Co ranks #226 out of 1302 companies for Intrinsic Value: Projected FCF. This places Metropolitan Bank & Trust Co in the top 17% of its industry — outperforming the majority of peers. The industry median Intrinsic Value: Projected FCF is 0.59. Historically, Metropolitan Bank & Trust Co's own Intrinsic Value: Projected FCF has ranged from 0.19 to 7.14 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 Intrinsic Value: Projected FCF for a Banks company?
The median Intrinsic Value: Projected FCF among Banks companies is 0.59, based on 1,302 companies in the industry. Companies in the top quartile (top 25%) have a Intrinsic Value: Projected FCF significantly above this median, while those in the bottom quartile fall well below. However, Intrinsic Value: Projected FCF 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 Intrinsic Value: Projected FCF mean?
A high Intrinsic Value: Projected FCF can signal that a stock is expensive relative to its fundamentals. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on Metropolitan Bank & Trust Co and its competitors. For the Banks industry, the median Intrinsic Value: Projected FCF is 0.59 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Metropolitan Bank & Trust Co's current Intrinsic Value: Projected FCF is ₱269.30, which is 58443% above median its own 10-year median of 0.46. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Metropolitan Bank & Trust Co stock overvalued right now?
Based on GuruFocus' analysis, Metropolitan Bank & Trust Co (PHS:MBT) is currently considered Modestly Undervalued. The stock's GF Value™ is ₱77.21, compared to a current price of ₱66.65 — trading 13.7% below its estimated fair value. The current Intrinsic Value: Projected FCF is ₱269.30, which is 58443% above median its 10-year median of 0.46. Metropolitan Bank & Trust Co's overall GF Score™ is 85/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Intrinsic Value: Projected FCF calculated?
Intrinsic Value: Projected FCF is calculated from a company's financial statements. For Metropolitan Bank & Trust Co (PHS:MBT), the current Intrinsic Value: Projected FCF is ₱269.30 as of Aug. 05, 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 Metropolitan Bank & Trust Co (PHS:MBT) Overvalued in 2026?
Based on GuruFocus' analysis, Metropolitan Bank & Trust Co stock appears to be undervalued.
The current stock price of ₱66.65 is trading 13.7% below its estimated GF Value™ of ₱77.21.
GuruFocus considers Metropolitan Bank & Trust Co to be Modestly Undervalued.
Key valuation signals for PHS:MBT:
Intrinsic Value: Projected FCF: ₱269.30 (58443% above median its 10-year median of 0.46)
GF Value™: ₱77.21 vs. price of ₱66.65 (13.7% below fair value)
No single metric tells the full story. See the PHS:MBT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Metropolitan Bank & Trust Co is a Filipino bank that provides a diverse range of banking and collateral services. The company has different segments namely Consumer Banking, Corporate Banking, Investment Banking, Treasury, Branch Banking and Others. It derives maximum revenue from Corporate Banking. The Group operates in Philippines, Asia other than Philippines, USA and Europe.
85GF Score
Get the complete analysis for PHS:MBT
Intrinsic Value: Projected FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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