Philippine Bank of Communications (PHS:PBC) Moat Score: 0/10 (As of Jun. 26, 2026)


PHS:PBC Philippine Bank of Communications PHS:PBC
62 GF Score
Price ₱15.42
GF Value ₱19.94
Valuation Modestly Undervalued
! 3 Warning Signs
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What is Philippine Bank of Communications Moat Score?

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

Philippine Bank of Communications 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 Bank of Communications might have No Moat - No discernible moat.

Philippine Bank of Communications  (PHS:PBC) 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 Bank of Communications Moat Score Related Terms

PHS:PBC
62GF Score
Philippine Bank of Communications PHS:PBC
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Is Philippine Bank of Communications (PHS:PBC) Overvalued in 2026?

Based on GuruFocus' analysis, Philippine Bank of Communications stock appears to be undervalued. The current stock price of ₱15.42 is trading 22.7% below its estimated GF Value™ of ₱19.94. GuruFocus considers Philippine Bank of Communications to be Modestly Undervalued.

Key valuation signals for PHS:PBC:

  • Moat Score: 0
  • GF Value™: ₱19.94 vs. price of ₱15.42 (22.7% below fair value)
  • GF Score™: 62/100 with 3 warning signs

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

Philippine Bank of Communications Business Description

Address 6795 Ayala Avenue corner V.A. Rufino Street, PBCom Tower, P.O. Box 3281, Makati City, PHL, 1226
Philippine Bank of Communications is a banking corporation registered in the Philippines. It is engaged in providing retail and commercial banking services such as savings, deposits, current accounts, cash management, checking, time deposit accounts, and debit cards. It also offers a wide range-of-products and services to clients. These include basic universal banking services such as deposit products, credit and loan facilities, trade-related services, treasury and foreign exchange trading, cash management services, and Trust and Investment Management services. It organizes its business into five segments, namely Branch Banking, Corporate Banking, Treasury, Consumer Finance, and Trust and Wealth Management. The company's revenue consists of interest income, dividends, fees, & commissions.
62GF Score

Get the complete analysis for PHS:PBC

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

₱15.42
Price
₱19.94
GF Value