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.
Net interest income is the total interest income minus total interest expense. It represents the difference between interest and dividends earned on interestbearing assets and interest paid to depositors and other creditors. Philippine Business Bank's net interest income for the
three
months ended in Jun. 2026 was ₱1,612 Mil. Its net interest income for the trailing twelve months (TTM) ended in Jun. 2026 was ₱7,055 Mil.
* 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 Business Bank Net Interest Income Chart
Philippine Business Bank Net Interest Income Calculation
Net interest income is the total interest income minus total interest expense. It represents the difference between interest and dividends earned on interestbearing assets and interest paid to depositors and other creditors.
Net Interest Income for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₱7,055 Mil.
* 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.
What does a Net Interest Income of ₱7,055 Mil mean?
Philippine Business Bank (PHS:PBB) has a Net Interest Income of ₱7,055 Mil as of Jun. 2026.
Is Philippine Business Bank's Net Interest Income too high?
Philippine Business Bank's current Net Interest Income is ₱7,055 Mil. Overall, Philippine Business Bank has a GF Score™ of 60/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Philippine Business Bank's Net Interest Income compare to PNC and USB?
Philippine Business Bank's Net Interest Income of ₱7,055 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Interest Income for a Banks company?
A good Net Interest Income depends on the Banks industry context. However, Net Interest Income 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 Net Interest Income mean?
A high Net Interest Income can signal that a stock is expensive relative to its fundamentals. Philippine Business Bank's current Net Interest Income is ₱7,055 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Philippine Business Bank stock overvalued right now?
Based on GuruFocus' analysis, Philippine Business Bank (PHS:PBB) is currently considered Modestly Undervalued. The stock's GF Value™ is ₱8.71, compared to a current price of ₱7.07 — trading 18.8% below its estimated fair value. The current Net Interest Income is ₱7,055 Mil. Philippine Business Bank's overall GF Score™ is 60/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Interest Income calculated?
Net Interest Income is calculated from a company's financial statements. For Philippine Business Bank (PHS:PBB), the current Net Interest Income is ₱7,055 Mil as of Jun. 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 Business Bank (PHS:PBB) Overvalued in 2026?
Based on GuruFocus' analysis, Philippine Business Bank stock appears to be undervalued.
The current stock price of ₱7.07 is trading 18.8% below its estimated GF Value™ of ₱8.71.
GuruFocus considers Philippine Business Bank to be Modestly Undervalued.
Key valuation signals for PHS:PBB:
Net Interest Income: ₱7,055 Mil
GF Value™: ₱8.71 vs. price of ₱7.07 (18.8% below fair value)
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 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.
60GF Score
Get the complete analysis for PHS:PBB
Net Interest Income 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:PBB has been successfully added to your 
