Philippine Trust CoPHS:PTC 62 PB Ratio is 3.90 as of Jun. 27, 2026, which is 14% below its 10-year median of 4.54. GuruFocus rates PHS:PTC with a GF Score™ of 62/100 and a GF Value™ of ₱100.62 (Modestly Undervalued). Among 1,516 Banks companies, Philippine Trust Co ranks worse than 97.76% on this metric.
Philippine Trust Co stock PB Ratio (=3.9) is close to 3-year low of 3.62.
The historical rank and industry rank for Philippine Trust Co's PB Ratio or its related term are showing as below:
PHS:PTC'
s PB Ratio Range Over the Past 10 Years
Min: 3.09 Med: 4.54 Max: 24.63
Current: 3.9
During the past 13 years, Philippine Trust Co's highest PB Ratio was 24.63. The lowest was 3.09. And the median was 4.54.
PHS:PTC's PB Ratio is ranked worse than 97.76% of 1516
companies
in the Banks industry
Industry Median: 1.09
vs PHS:PTC: 3.90
During the past 12 months, Philippine Trust Co's average Book Value Per Share Growth Rate was 2.80% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 3.60% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was -2.70% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 2.60% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Philippine Trust Co was 988.10% per year. The lowest was -88.80% per year. And the median was 2.50% per year.
Back to Basics: PB Ratio
Philippine Trust Co (PHS:PTC) PB Ratio Explanation
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.
Philippine Trust Co PB Ratio Related Terms
Philippine Trust Co PB Ratio Historical Data
* Premium members only.
The historical data trend for Philippine Trust Co'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.
Philippine Trust Co PB Ratio Competitor Comparison
For the Banks - Regional subindustry, Philippine Trust Co'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.
Philippine Trust Co PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Philippine Trust Co's PB Ratio distribution charts can be found below:
* The bar in red indicates where Philippine Trust Co'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.
Philippine Trust Co (PHS:PTC) has a PB Ratio of 3.90 as of Jun. 27, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Philippine Trust Co and its competitors. This is 14% below median its historical median of 4.54. Over the past decade, Philippine Trust Co's PB Ratio has ranged from 3.09 to 24.63. According to the industry distribution chart, Philippine Trust Co ranks #1482 out of 1516 companies in the Banks industry, placing it in the top 97.8%.
Is Philippine Trust Co's PB Ratio too high?
Philippine Trust Co's current PB Ratio of 3.90 is 14% below median its 10-year median of 4.54. Over the past 10 years, this metric has ranged from a low of 3.09 to a high of 24.63. The Banks industry median PB Ratio is 1.09. Philippine Trust Co's value of 3.90 is 257.8% above this industry median. Based on the distribution chart, Philippine Trust Co ranks #1482 out of 1516 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Philippine Trust Co has a GF Score™ of 62/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Philippine Trust Co's PB Ratio compare to competitors?
According to the Banks industry distribution chart, Philippine Trust Co ranks #1482 out of 1516 companies for PB Ratio. This places Philippine Trust Co in the lower half of its industry. The industry median PB Ratio is 1.09. Philippine Trust Co's value of 3.90 is 257.8% above this benchmark. Historically, Philippine Trust Co's own PB Ratio has ranged from 3.09 to 24.63 over the past decade. While the company's 10-year median is 4.54 vs. the industry median of 1.09, Philippine Trust Co has consistently been above 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 1.09, based on 1,516 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. Philippine Trust Co's current PB Ratio of 3.90 is 257.8% above 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 Philippine Trust Co and its competitors. For the Banks industry, the median PB Ratio is 1.09 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Philippine Trust Co's current PB Ratio is 3.90, which is 14% below median its own 10-year median of 4.54. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Philippine Trust Co stock overvalued right now?
Based on GuruFocus' analysis, Philippine Trust Co (PHS:PTC) is currently considered Modestly Undervalued. The stock's GF Value™ is ₱100.62, compared to a current price of ₱90.00 — trading 10.6% below its estimated fair value. The current PB Ratio is 3.90, which is 14% below median its 10-year median of 4.54 and 257.8% above the Banks industry median of 1.09. Philippine Trust Co's overall GF Score™ is 62/100. 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 Philippine Trust Co (PHS:PTC), the current PB Ratio is 3.90 as of Jun. 27, 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 Trust Co (PHS:PTC) Overvalued in 2026?
Based on GuruFocus' analysis, Philippine Trust Co stock appears to be undervalued.
The current stock price of ₱90.00 is trading 10.6% below its estimated GF Value™ of ₱100.62.
GuruFocus considers Philippine Trust Co to be Modestly Undervalued.
Key valuation signals for PHS:PTC:
PB Ratio: 3.90 (14% below median its 10-year median of 4.54)
GF Value™: ₱100.62 vs. price of ₱90.00 (10.6% below fair value)
Industry Position: 257.8% above the Banks median (#1482 of 1516)
No single metric tells the full story. See the PHS:PTC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Philippine Trust Co is engaged in the commercial banking business. It offers various products and services such as deposit products, loans, international services, treasury, and trust functions. The company also provides investment management, estate administration, escrow services, insurance and pension plans, stock registry, and transfer services. Its services are offered through a network of branch offices and ATMs located across different regions in the Philippines. The company operates in two key business segments: Lending, which generates maximum revenue, and Treasury operations.
62GF Score
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