Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
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 Philippine National Bank's Intrinsic Value: Projected FCF or its related term are showing as below:
PHS:PNB'
s Price-to-Projected-FCF Range Over the Past 10 Years
Min: 0.07 Med: 0.14 Max: 1.06
Current: 0.18
During the past 13 years, the highest Price-to-Intrinsic-Value-Projected-FCF of Philippine National Bank was 1.06. The lowest was 0.07. And the median was 0.14.
PHS:PNB's Price-to-Projected-FCF is ranked better than 88.82% of 1297
companies
in the Banks industry
Industry Median: 0.6
vs PHS:PNB: 0.18
Philippine National Bank (PHS:PNB) 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.
Philippine National Bank's Price-to-Intrinsic-Value-Projected-FCF for today is calculated as
Price-to-Intrinsic-Value-Projected-FCF
=
Share Price
/
Intrinsic Value: Projected FCF
=
77.85
/
428.30760936582
=
0.18
* 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 National Bank Intrinsic Value: Projected FCF Related Terms
Philippine National Bank Intrinsic Value: Projected FCF Historical Data
* Premium members only.
The historical data trend for Philippine National Bank's Intrinsic Value: Projected FCF 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.
Philippine National Bank Intrinsic Value: Projected FCF Chart
Philippine National Bank Intrinsic Value: Projected FCF Competitor Comparison
For the Banks - Regional subindustry, Philippine National Bank'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.
Philippine National Bank Price-to-Projected-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Philippine National Bank's Price-to-Projected-FCF distribution charts can be found below:
* The bar in red indicates where Philippine National Bank's Price-to-Projected-FCF falls into.
Philippine National Bank 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 ₱428.31 mean?
Philippine National Bank (PHS:PNB) has a Intrinsic Value: Projected FCF of ₱428.31 as of Sep. 11, 2026. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on Philippine National Bank and its competitors. According to the industry distribution chart, Philippine National Bank ranks #145 out of 1297 companies in the Banks industry, placing it in the top 11.2%.
Is Philippine National Bank's Intrinsic Value: Projected FCF too high?
Philippine National Bank's current Intrinsic Value: Projected FCF is ₱428.31. Based on the distribution chart, Philippine National Bank ranks #145 out of 1297 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Philippine National Bank has a GF Score™ of 72/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Philippine National Bank's Intrinsic Value: Projected FCF compare to competitors?
According to the Banks industry distribution chart, Philippine National Bank ranks #145 out of 1297 companies for Intrinsic Value: Projected FCF. This places Philippine National Bank in the top 11% of its industry — outperforming the majority of peers. The industry median Intrinsic Value: Projected FCF is 0.60. 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 0.60, based on 1,297 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 Philippine National Bank and its competitors. For the Banks industry, the median Intrinsic Value: Projected FCF is 0.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Philippine National Bank's current Intrinsic Value: Projected FCF is ₱428.31. 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 ₱35.64, compared to a current price of ₱77.85 — trading 118.4% above its estimated fair value. The current Intrinsic Value: Projected FCF is ₱428.31. Philippine National Bank's overall GF Score™ is 72/100 with 6 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 Philippine National Bank (PHS:PNB), the current Intrinsic Value: Projected FCF is ₱428.31 as of Sep. 11, 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 ₱77.85 is trading 118.4% above its estimated GF Value™ of ₱35.64.
GuruFocus considers Philippine National Bank to be Significantly Overvalued.
Key valuation signals for PHS:PNB:
Intrinsic Value: Projected FCF: ₱428.31
GF Value™: ₱35.64 vs. price of ₱77.85 (118.4% 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.
72GF Score
Get the complete analysis for PHS:PNB
Intrinsic Value: Projected FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
PHS:PNB has been successfully added to your 
