Security Bank (PHS:SECB) Moat Score: 3/10 (As of Jun. 25, 2026)


PHS:SECB Security Bank Corp PHS:SECB
85 GF Score
Price ₱65.50
GF Value ₱100.74
Valuation Significantly Undervalued
! 1 Warning Sign
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What is Security Bank Moat Score?

Security Bank PHS:SECB +0.08% 85 Moat Score is 3 as of Jun. 25, 2026. GuruFocus rates PHS:SECB with a GF Score™ of 85/100 and a GF Value™ of ₱100.74 (Significantly Undervalued). The stock has 1 warning sign investors should review. Among 1,609 Banks companies, Security Bank ranks better than 74.39% on this metric.

Security Bank has the Moat Score of 3, which implies that the company might have No Moat - Very weak/transient advantages.

Security Bank has No Moat: Security Bank Corp operates in a competitive banking sector with limited differentiation. It lacks significant market share, strong brand strength, or regulatory advantages. The absence of durable cost advantages or network effects results in a weak competitive position.

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 Security Bank might have No Moat - Very weak/transient advantages.

Security Bank  (PHS:SECB) 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

Security Bank Moat Score Related Terms

Security Bank Moat Score Competitor Comparison

For the Banks - Regional subindustry, Security Bank's Moat Score, along with its competitors' market caps and Moat Score 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.

Security Bank Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Security Bank's Moat Score distribution charts can be found below:

* The bar in red indicates where Security Bank's Moat Score falls into.


PHS:SECB
85GF Score
Security Bank Corp PHS:SECB
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 3 mean?
Security Bank (PHS:SECB) has a Moat Score of 3 as of Jun. 25, 2026. 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. According to the industry distribution chart, Security Bank ranks #412 out of 1609 companies in the Banks industry, placing it in the top 25.6%.
Is Security Bank's Moat Score too high?
Security Bank's current Moat Score is 3. Based on the distribution chart, Security Bank ranks #412 out of 1609 companies in the Banks industry, which is above the industry midpoint. Overall, Security Bank has a GF Score™ of 85/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Security Bank's Moat Score compare to competitors?
According to the Banks industry distribution chart, Security Bank ranks #412 out of 1609 companies for Moat Score. This puts Security Bank in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. 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. Security Bank's current Moat Score is 3. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Security Bank stock overvalued right now?
Based on GuruFocus' analysis, Security Bank (PHS:SECB) is currently considered Significantly Undervalued. The stock's GF Value™ is ₱100.74, compared to a current price of ₱65.50 — trading 35% below its estimated fair value. The current Moat Score is 3. Security Bank's overall GF Score™ is 85/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Security Bank (PHS:SECB), the current Moat Score is 3 as of Jun. 25, 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 Security Bank (PHS:SECB) Overvalued in 2026?

Based on GuruFocus' analysis, Security Bank stock appears to be undervalued. The current stock price of ₱65.50 is trading 35% below its estimated GF Value™ of ₱100.74. GuruFocus considers Security Bank to be Significantly Undervalued.

Key valuation signals for PHS:SECB:

  • Moat Score: 3
  • GF Value™: ₱100.74 vs. price of ₱65.50 (35% below fair value)
  • GF Score™: 85/100 with 1 warning sign

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

Security Bank Business Description

Other Exchanges SYBJF:USA
Address 6776 Ayala Avenue, Security Bank Centre, Makati City, PHL, 0719
Security Bank Corp is engaged in banking. It operates in four segments: the Financial Markets Segment focuses on providing the money market, foreign exchange, financial derivatives, securities distribution, asset management, trust, and fiduciary services; the Wholesale Banking Segment addresses the corporate, institutional, and public sector markets and commercial clients. Services include relationship management, lending and other credit facilities, trade, cash management, deposit-taking, and leasing services; the Retail Banking Segment addresses individual, retail, and small businesses; the Business Banking segment covers deposit-taking and servicing, consumer loans, credit card facilities, and bancassurance; and All Other Segments include other support services.
85GF Score

Get the complete analysis for PHS:SECB

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

₱65.50
Price
₱100.74
GF Value