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Liabilities-to-Assets is a solvency ratio indicating how much of the company’s assets are made of liabilities, calculated as total liabilities divided by total asset. Bank of Commerce's Total Liabilities for the quarter that ended in Jun. 2026 was ₱251,136 Mil. Bank of Commerce's Total Assets for the quarter that ended in Jun. 2026 was ₱287,509 Mil.
Therefore, Bank of Commerce's Liabilities-to-Assets Ratio for the quarter that ended in Jun. 2026 was 0.87.
Bank of Commerce (PHS:BNCOM) Liabilities-to-Assets Explanation
Liabilities-to-Assets is a solvency ratio indicating how much of the company’s assets are made of liabilities. It can vary greatly across different industries, as they have different capital structure. A high Liabilities-to-Assets ratio (more leveraged) suggests that the company might have potential solvency problems, or even a signal of financial distress. Conversely, a low Liabilities-to-Assets ratio usually indicates a healthy financial situation. However, it may also suggest that the company is not expanding or not making good use of debt.
Bank of Commerce Liabilities-to-Assets Related Terms
Bank of Commerce Liabilities-to-Assets Historical Data
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The historical data trend for Bank of Commerce's Liabilities-to-Assets 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.
PHS:BNCOM vs JPM, BAC, WFC: Liabilities-to-Assets Comparison
For the Banks - Diversified subindustry, Bank of Commerce's Liabilities-to-Assets, along with its competitors' market caps and Liabilities-to-Assets 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.
Bank of Commerce Liabilities-to-Assets vs Banks Industry
For the Banks industry and Financial Services sector, Bank of Commerce's Liabilities-to-Assets distribution charts can be found below:
* The bar in red indicates where Bank of Commerce's Liabilities-to-Assets falls into.
Bank of Commerce Liabilities-to-Assets Calculation
Liabilities-to-Assets ratio measures the portion of the total liabilities to the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Liabilities-to-Assets ratio is calculated by dividing total liabilities by total asset.
Bank of Commerce's Liabilities-to-Assets Ratio for the fiscal year that ended in Dec. 2025 is calculated as:
* 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.
Bank of Commerce (PHS:BNCOM) has a Liabilities-to-Assets of 0.87 as of Jun. 2026. Liabilities-to-Assets equals total liabilities divided by total assets. It measures financial leverage. View historical data on Bank of Commerce and its competitors.
Is Bank of Commerce's Liabilities-to-Assets too high?
Bank of Commerce's current Liabilities-to-Assets is 0.87. Overall, Bank of Commerce has a GF Score™ of 71/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Bank of Commerce's Liabilities-to-Assets compare to JPM and BAC?
Bank of Commerce's Liabilities-to-Assets of 0.87 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Liabilities-to-Assets for a Banks company?
A good Liabilities-to-Assets depends on the Banks industry context. However, Liabilities-to-Assets 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 Liabilities-to-Assets mean?
A high Liabilities-to-Assets can signal that a stock is expensive relative to its fundamentals. Liabilities-to-Assets equals total liabilities divided by total assets. It measures financial leverage. View historical data on Bank of Commerce and its competitors. Bank of Commerce's current Liabilities-to-Assets is 0.87. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bank of Commerce stock overvalued right now?
Based on GuruFocus' analysis, Bank of Commerce (PHS:BNCOM) is currently considered Fairly Valued. The stock's GF Value™ is ₱10.14, compared to a current price of ₱10.10 — trading 0.4% below its estimated fair value. The current Liabilities-to-Assets is 0.87. Bank of Commerce's overall GF Score™ is 71/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Liabilities-to-Assets calculated?
Liabilities-to-Assets is calculated from a company's financial statements. For Bank of Commerce (PHS:BNCOM), the current Liabilities-to-Assets is 0.87 as of Jun. 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 Bank of Commerce (PHS:BNCOM) Overvalued in 2026?
Based on GuruFocus' analysis, Bank of Commerce stock appears to be undervalued.
The current stock price of ₱10.10 is trading 0.4% below its estimated GF Value™ of ₱10.14.
GuruFocus considers Bank of Commerce to be Fairly Valued.
Key valuation signals for PHS:BNCOM:
Liabilities-to-Assets: 0.87
GF Value™: ₱10.14 vs. price of ₱10.10 (0.4% below fair value)
No single metric tells the full story. See the PHS:BNCOM stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Bank of Commerce is a universal bank focused on helping its clients, communities, and conglomerate partners by delivering financial services. It provides banking solutions and a complete products and services in deposit, commercial loans, credit card services, consumer banking, transaction banking, corporate banking, investment banking, treasury, asset management, trust, and investments. Its segments include Treasury Management Group, Corporate Banking Group, Branch Banking Group, Consumer Group, and Others, with the majority of the revenue deriving from Corporate Banking Group, which principally handles loans and other credit facilities for corporate, institutional, and middle market clients.
71GF Score
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