Security BankPHS:SECB +0.08%85 Net Margin % is 16.18% as of Mar. 2026, which is 33% below its 10-year median of 24.17. GuruFocus rates PHS:SECB with a GF Score™ of 85/100 and a GF Value™ of ₱100.71 (Significantly Undervalued). The stock has 1 warning sign investors should review. Among 1,527 Banks companies, Security Bank ranks worse than 77.14% on this metric.
Net margin is calculated as Net Income divided by its Revenue. Security Bank's Net Income for the
three
months ended in Mar. 2026 was ₱2,704 Mil. Security Bank's Revenue for the
three
months ended in Mar. 2026 was ₱16,712 Mil. Therefore, Security Bank's net margin for the quarter that ended in Mar. 2026 was 16.18%.
The historical rank and industry rank for Security Bank's Net Margin % or its related term are showing as below:
PHS:SECB'
s Net Margin % Range Over the Past 10 Years
Min: 15.08 Med: 24.17 Max: 41.83
Current: 17.18
PHS:SECB's Net Margin % is ranked worse than 77.14% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs PHS:SECB: 17.18
Security Bank (PHS:SECB) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Security Bank Net Margin % Related Terms
Security Bank Net Margin % Historical Data
* Premium members only.
The historical data trend for Security Bank's Net Margin % can be seen below:
* 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.
For the Banks - Regional subindustry, Security Bank's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Security Bank's Net Margin % distribution charts can be found below:
* The bar in red indicates where Security Bank's Net Margin % falls into.
* 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.
Security Bank (PHS:SECB) has a Net Margin % of 16.18% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Security Bank and its competitors. This is 33% below median its historical median of 24.17. Over the past decade, Security Bank's Net Margin % has ranged from 15.08 to 41.83. According to the industry distribution chart, Security Bank ranks #1178 out of 1527 companies in the Banks industry, placing it in the top 77.1%.
Is Security Bank's Net Margin % too high?
Security Bank's current Net Margin % of 16.18% is 33% below median its 10-year median of 24.17. Over the past 10 years, this metric has ranged from a low of 15.08 to a high of 41.83. The Banks industry median Net Margin % is 26.95. Security Bank's value of 16.18% is 40% below this industry median. Based on the distribution chart, Security Bank ranks #1178 out of 1527 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 Net Margin % compare to competitors?
According to the Banks industry distribution chart, Security Bank ranks #1178 out of 1527 companies for Net Margin %. This places Security Bank in the lower half of its industry. The industry median Net Margin % is 26.95. Security Bank's value of 16.18% is 40% below this benchmark. Historically, Security Bank's own Net Margin % has ranged from 15.08 to 41.83 over the past decade. While the company's 10-year median is 24.17 vs. the industry median of 26.95, Security Bank has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.95, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Security Bank's current Net Margin % of 16.18% is 40% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Security Bank and its competitors. For the Banks industry, the median Net Margin % is 26.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Security Bank's current Net Margin % is 16.18%, which is 33% below median its own 10-year median of 24.17. 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 ₱100.71, compared to a current price of ₱65.50 — trading 35% below its estimated fair value. The current Net Margin % is 16.18%, which is 33% below median its 10-year median of 24.17 and 40% below the Banks industry median of 26.95. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Security Bank (PHS:SECB), the current Net Margin % is 16.18% as of Mar. 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 ₱100.71.
GuruFocus considers Security Bank to be Significantly Undervalued.
Key valuation signals for PHS:SECB:
Net Margin %: 16.18% (33% below median its 10-year median of 24.17)
GF Value™: ₱100.71 vs. price of ₱65.50 (35% below fair value)
Industry Position: 40% below the Banks median (#1178 of 1527)
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 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
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Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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