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.
Philippinevings BankPHS:PSB -1.22%57 PB Ratio is 0.49 as of Aug. 03, 2026, which is 25% below its 10-year median of 0.65. GuruFocus rates PHS:PSB with a GF Score™ of 57/100 and a GF Value™ of ₱59.74 (Modestly Undervalued). The stock has 1 warning sign investors should review. Among 1,514 Banks companies, Philippinevings Bank ranks better than 89.37% on this metric.
Philippine Savings Bank stock PB Ratio (=0.5) is close to 5-year low of 0.49.
The historical rank and industry rank for Philippinevings Bank's PB Ratio or its related term are showing as below:
PHS:PSB'
s PB Ratio Range Over the Past 10 Years
Min: 0.45 Med: 0.65 Max: 1.21
Current: 0.49
During the past 13 years, Philippinevings Bank's highest PB Ratio was 1.21. The lowest was 0.45. And the median was 0.65.
PHS:PSB's PB Ratio is ranked better than 89.37% of 1514
companies
in the Banks industry
Industry Median: 1.11
vs PHS:PSB: 0.49
During the past 12 months, Philippinevings Bank's average Book Value Per Share Growth Rate was 1.80% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 7.50% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 6.60% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 4.60% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Philippinevings Bank was 21.70% per year. The lowest was -0.50% per year. And the median was 7.50% per year.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Philippinevings Bank PB Ratio Related Terms
Philippinevings Bank PB Ratio Historical Data
* Premium members only.
The historical data trend for Philippinevings Bank's PB Ratio 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.
Philippinevings Bank PB Ratio Competitor Comparison
For the Banks - Regional subindustry, Philippinevings Bank's PB Ratio, along with its competitors' market caps and PB Ratio 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.
Philippinevings Bank PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Philippinevings Bank's PB Ratio distribution charts can be found below:
* The bar in red indicates where Philippinevings Bank's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Philippinevings Bank (PHS:PSB) has a PB Ratio of 0.49 as of Aug. 03, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Philippinevings Bank and its competitors. This is 25% below median its historical median of 0.65. Over the past decade, Philippinevings Bank's PB Ratio has ranged from 0.45 to 1.21. According to the industry distribution chart, Philippinevings Bank ranks #161 out of 1514 companies in the Banks industry, placing it in the top 10.6%.
Is Philippinevings Bank's PB Ratio too high?
Philippinevings Bank's current PB Ratio of 0.49 is 25% below median its 10-year median of 0.65. Over the past 10 years, this metric has ranged from a low of 0.45 to a high of 1.21. The Banks industry median PB Ratio is 1.11. Philippinevings Bank's value of 0.49 is 55.9% below this industry median. Based on the distribution chart, Philippinevings Bank ranks #161 out of 1514 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Philippinevings Bank has a GF Score™ of 57/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Philippinevings Bank's PB Ratio compare to competitors?
According to the Banks industry distribution chart, Philippinevings Bank ranks #161 out of 1514 companies for PB Ratio. This places Philippinevings Bank in the top 11% of its industry — outperforming the majority of peers. The industry median PB Ratio is 1.11. Philippinevings Bank's value of 0.49 is 55.9% below this benchmark. Historically, Philippinevings Bank's own PB Ratio has ranged from 0.45 to 1.21 over the past decade. While the company's 10-year median is 0.65 vs. the industry median of 1.11, Philippinevings 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.11, based on 1,514 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Philippinevings Bank's current PB Ratio of 0.49 is 55.9% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Philippinevings Bank and its competitors. For the Banks industry, the median PB Ratio is 1.11 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Philippinevings Bank's current PB Ratio is 0.49, which is 25% below median its own 10-year median of 0.65. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Philippinevings Bank stock overvalued right now?
Based on GuruFocus' analysis, Philippinevings Bank (PHS:PSB) is currently considered Modestly Undervalued. The stock's GF Value™ is ₱59.74, compared to a current price of ₱52.70 — trading 11.8% below its estimated fair value. The current PB Ratio is 0.49, which is 25% below median its 10-year median of 0.65 and 55.9% below the Banks industry median of 1.11. Philippinevings Bank's overall GF Score™ is 57/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Philippinevings Bank (PHS:PSB), the current PB Ratio is 0.49 as of Aug. 03, 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 Philippinevings Bank (PHS:PSB) Overvalued in 2026?
Based on GuruFocus' analysis, Philippinevings Bank stock appears to be undervalued.
The current stock price of ₱52.70 is trading 11.8% below its estimated GF Value™ of ₱59.74.
GuruFocus considers Philippinevings Bank to be Modestly Undervalued.
Key valuation signals for PHS:PSB:
PB Ratio: 0.49 (25% below median its 10-year median of 0.65)
GF Value™: ₱59.74 vs. price of ₱52.70 (11.8% below fair value)
Industry Position: 55.9% below the Banks median (#161 of 1514)
No single metric tells the full story. See the PHS:PSB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Philippine Savings Bank is a Philippines-based consumer banking company. Its services can be summed up as deposits, loans, treasury, and trust functions offered to the consumer and commercial market. The company's reportable segments are Consumer Banking, Corporate Banking, Branch Banking, and Treasury. Maximum revenue is generated from the Branch Banking segment, which serves as the bank's main customer touch point, offering consumer and corporate banking products. The Consumer and Corporate Banking segments provide loans and other credit facilities to individuals, small and medium enterprises, and corporate and institutional customers. The Treasury segment principally handles institutional deposit accounts, providing money market, trading, and treasury services etc.
57GF Score
Get the complete analysis for PHS:PSB
PB Ratio 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:PSB has been successfully added to your 
