Philippine Business Bank (PHS:PBB) Moat Score: 0/10 (As of Jun. 27, 2026)


PHS:PBB Philippine Business Bank PHS:PBB
63 GF Score
Price ₱7.02
GF Value ₱8.69
Valuation Modestly Undervalued
! 2 Warning Signs
View Full Analysis

What is Philippine Business Bank Moat Score?

Philippine Business Bank has the Moat Score of 0, which implies that the company might have No Moat - No discernible moat.

Philippine Business Bank has

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Philippine Business Bank might have No Moat - No discernible moat.

Philippine Business Bank  (PHS:PBB) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Philippine Business Bank Moat Score Related Terms

PHS:PBB
63GF Score
Philippine Business Bank PHS:PBB
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Is Philippine Business Bank (PHS:PBB) Overvalued in 2026?

Based on GuruFocus' analysis, Philippine Business Bank stock appears to be undervalued. The current stock price of ₱7.02 is trading 19.2% below its estimated GF Value™ of ₱8.69. GuruFocus considers Philippine Business Bank to be Modestly Undervalued.

Key valuation signals for PHS:PBB:

  • Moat Score: 0
  • GF Value™: ₱8.69 vs. price of ₱7.02 (19.2% below fair value)
  • GF Score™: 63/100 with 2 warning signs

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

Philippine Business Bank Business Description

Address 350 Rizal Avenue Extension Corner, 8th Avenue, Grace Park, Caloocan City, PHL, 1400
Philippine Business Bank engages in the business of thrift banking. The company provides banking and financial services including cash management, retail and corporate lending, deposit products, international trade finance, treasury, and trust products. The company's predominant operating segments are Consumer Banking which includes auto financing, home financing, and salary or personal loans; Corporate Banking which includes term loans, working capital credit lines, bills purchase, and discounting lines; and Treasury Operations engages in managing the liquidity of the Bank and its trading and investment activities. The majority of its revenue comes from the Corporate Banking segment.
63GF Score

Get the complete analysis for PHS:PBB

Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₱7.02
Price
₱8.69
GF Value