Philippinevings Bank (PHS:PSB) Margin of Safety % (DCF Earnings Based): N/A (As of Aug. 03, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
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.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
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.

PHS:PSB Philippine Savings Bank PHS:PSB
57 GF Score
Price ₱52.70
GF Value ₱59.74
Valuation Modestly Undervalued
! 1 Warning Sign
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What is Philippinevings Bank Margin of Safety % (DCF Earnings Based)?

Margin of Safety % (DCF Earnings Based) = (Intrinsic Value: DCF (Earnings Based) - Current Price) / Intrinsic Value: DCF (Earnings Based).

Note: Discounted Earnings model is only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, result may not be accurate due to the low predictability of business and the data will not be stored into our database.

Philippinevings Bank's Predictability Rank is 1-Star. Thus, the DCF related results in the screener and portfolio will appear as zero and Margin of Safety % (DCF Earnings Based) is not calculated.

Philippinevings Bank Margin of Safety % (DCF Earnings Based) Competitor Comparison

For the Banks - Regional subindustry, Philippinevings Bank's Margin of Safety % (DCF Earnings Based), along with its competitors' market caps and Margin of Safety % (DCF Earnings Based) 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.

Philippinevings Bank Margin of Safety % (DCF Earnings Based) vs Banks Industry

For the Banks industry and Financial Services sector, Philippinevings Bank's Margin of Safety % (DCF Earnings Based) distribution charts can be found below:

* The bar in red indicates where Philippinevings Bank's Margin of Safety % (DCF Earnings Based) falls into.


PHS:PSB
57GF Score
Philippine Savings Bank PHS:PSB
Margin of Safety % (DCF Earnings Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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Is Philippinevings Bank (PHS:PSB) Overvalued in 2026?

Based on GuruFocus' analysis, Philippinevings Bank stock appears to be undervalued. The current stock price of ₱52.70 is trading 11.8% below its estimated GF Value™ of ₱59.74. GuruFocus considers Philippinevings Bank to be Modestly Undervalued.

Key valuation signals for PHS:PSB:

  • Margin of Safety % (DCF Earnings Based): N/A
  • GF Value™: ₱59.74 vs. price of ₱52.70 (11.8% below fair value)
  • GF Score™: 57/100 with 1 warning sign

No single metric tells the full story. See the PHS:PSB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Philippinevings Bank Business Description

Address 777 Paseo de Roxas Avenue Corner, Sedeno Street, PSBank Center, Metro Manila, Makati City, PHL, 1226
Philippine Savings Bank is a Philippines-based consumer banking company. Its services can be summed up as deposits, loans, treasury, and trust functions offered to the consumer and commercial market. The company's reportable segments are Consumer Banking, Corporate Banking, Branch Banking, and Treasury. Maximum revenue is generated from the Branch Banking segment, which serves as the bank's main customer touch point, offering consumer and corporate banking products. The Consumer and Corporate Banking segments provide loans and other credit facilities to individuals, small and medium enterprises, and corporate and institutional customers. The Treasury segment principally handles institutional deposit accounts, providing money market, trading, and treasury services etc.
57GF Score

Get the complete analysis for PHS:PSB

Margin of Safety % (DCF Earnings Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₱52.70
Price
₱59.74
GF Value