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.
Philippine National BankPHS:PNB +0.97%73 Median PS Value is ₱43.06 as of Aug. 04, 2026, which is 100% below its 10-year median of 0.31. GuruFocus rates PHS:PNB with a GF Score™ of 73/100 and a GF Value™ of ₱32.09 (Significantly Overvalued). The stock has 1 warning sign investors should review. Among 1,046 Banks companies, Philippine National Bank ranks worse than 75.05% on this metric.
This valuation method assumes that the stock valuation will revert to its historical (10-Year) median in terms of PS Ratio. The reason we use PS Ratio instead of PE Ratio or PB Ratio is because PS Ratio is independent of profit margin, and can be applied to a broader range of situations.
Philippine National Bank (PHS:PNB) Median PS Value Explanation
This valuation method assumes that the stock valuation will revert to its historical (10-Year) mean in terms of PS Ratio. The reason we use PS Ratio instead of PE Ratio or PB Ratio
is because PS Ratio is independent of profit margin, and can be applied to a broader range of situations.
It also assumes that over time the profit margin is constant. If a company increases its profit margin to a sustainable level, this value might under-estimate its value. If it has permanent declined profit margins, this may over-estimate the company's value.
Philippine National Bank's Price to Median PS Value for today is calculated as
Price to Median PS Value
=
Share Price
/
Median PS Value
=
62.60
/
43.06
=
1.45
* 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 Median PS Value Related Terms
Philippine National Bank Median PS Value 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.
Philippine National Bank Median PS Value Competitor Comparison
For the Banks - Regional subindustry, Philippine National Bank's Price-to-Median-PS-Value, along with its competitors' market caps and Price-to-Median-PS-Value 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-Median-PS-Value vs Banks Industry
For the Banks industry and Financial Services sector, Philippine National Bank's Price-to-Median-PS-Value distribution charts can be found below:
* The bar in red indicates where Philippine National Bank's Price-to-Median-PS-Value falls into.
10-Year Median PS Ratio is 1.0104.
Philippine National Bank's Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₱42.615.
* 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 (PHS:PNB) has a Median PS Value of ₱43.06 as of Aug. 04, 2026. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on Philippine National Bank and its competitors. This is 13790% above median its historical median of 0.31. Over the past decade, Philippine National Bank's Median PS Value has ranged from 0.23 to 1.45. According to the industry distribution chart, Philippine National Bank ranks #785 out of 1046 companies in the Banks industry, placing it in the top 75%.
Is Philippine National Bank's Median PS Value too high?
Philippine National Bank's current Median PS Value of ₱43.06 is 13790% above median its 10-year median of 0.31. Over the past 10 years, this metric has ranged from a low of 0.23 to a high of 1.45. Based on the distribution chart, Philippine National Bank ranks #785 out of 1046 companies in the Banks industry, which is below the industry midpoint. 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 Median PS Value compare to competitors?
According to the Banks industry distribution chart, Philippine National Bank ranks #785 out of 1046 companies for Median PS Value. This places Philippine National Bank in the lower half of its industry. The industry median Median PS Value is 1.14. Historically, Philippine National Bank's own Median PS Value has ranged from 0.23 to 1.45 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 Median PS Value for a Banks company?
The median Median PS Value among Banks companies is 1.14, based on 1,046 companies in the industry. Companies in the top quartile (top 25%) have a Median PS Value significantly above this median, while those in the bottom quartile fall well below. However, Median PS Value 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 Median PS Value mean?
A high Median PS Value can signal that a stock is expensive relative to its fundamentals. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on Philippine National Bank and its competitors. For the Banks industry, the median Median PS Value is 1.14 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Philippine National Bank's current Median PS Value is ₱43.06, which is 13790% above median its own 10-year median of 0.31. 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 ₱32.09, compared to a current price of ₱62.60 — trading 95.1% above its estimated fair value. The current Median PS Value is ₱43.06, which is 13790% above median its 10-year median of 0.31. 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 Median PS Value calculated?
Median PS Value is calculated from a company's financial statements. For Philippine National Bank (PHS:PNB), the current Median PS Value is ₱43.06 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:
Median PS Value: ₱43.06 (13790% above median its 10-year median of 0.31)
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
Get the complete analysis for PHS:PNB
Median PS Value 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 
