Bank of the Philippine Islands stock PB Ratio (=1.06) is close to 5-year low of 0.97.
The historical rank and industry rank for Bank of the Philippine Islands's PB Ratio or its related term are showing as below:
BPHLF'
s PB Ratio Range Over the Past 10 Years
Min: 0.92 Med: 1.5 Max: 2.69
Current: 1.06
During the past 13 years, Bank of the Philippine Islands's highest PB Ratio was 2.69. The lowest was 0.92. And the median was 1.50.
BPHLF's PB Ratio is ranked better than 52.54% of 1515
companies
in the Banks industry
Industry Median: 1.08
vs BPHLF: 1.06
During the past 12 months, Bank of the Philippine Islands's average Book Value Per Share Growth Rate was 6.60% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 11.80% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 10.10% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 9.80% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Bank of the Philippine Islands was 15.20% per year. The lowest was 1.20% per year. And the median was 9.90% per year.
Back to Basics: PB Ratio
Bank of the Philippine Islands (OTCPK:BPHLF) 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.
Bank of the Philippine Islands PB Ratio Related Terms
Bank of the Philippine Islands PB Ratio Historical Data
* 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.
Bank of the Philippine Islands PB Ratio Competitor Comparison
For the Banks - Regional subindustry, Bank of the Philippine Islands'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.
Bank of the Philippine Islands PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Bank of the Philippine Islands's PB Ratio distribution charts can be found below:
* The bar in red indicates where Bank of the Philippine Islands's PB Ratio falls into.
Bank of the Philippine Islands PB Ratio Calculation
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.
Bank of the Philippine Islands (BPHLF) has a PB Ratio of 1.35 as of Jun. 25, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Bank of the Philippine Islands and its competitors. This is 10% below median its historical median of 1.50. Over the past decade, Bank of the Philippine Islands' PB Ratio has ranged from 0.92 to 2.69. According to the industry distribution chart, Bank of the Philippine Islands ranks #719 out of 1515 companies in the Banks industry, placing it in the top 47.5%.
Is Bank of the Philippine Islands' PB Ratio too high?
Bank of the Philippine Islands' current PB Ratio of 1.35 is 10% below median its 10-year median of 1.50. Over the past 10 years, this metric has ranged from a low of 0.92 to a high of 2.69. The Banks industry median PB Ratio is 1.08. Bank of the Philippine Islands' value of 1.35 is 25% above this industry median. Based on the distribution chart, Bank of the Philippine Islands ranks #719 out of 1515 companies in the Banks industry, which is above the industry midpoint. Overall, Bank of the Philippine Islands has a GF Score™ of 78/100, reflecting its overall financial health beyond just this single metric.
How does Bank of the Philippine Islands' PB Ratio compare to competitors?
According to the Banks industry distribution chart, Bank of the Philippine Islands ranks #719 out of 1515 companies for PB Ratio. This puts Bank of the Philippine Islands in the upper half of its industry. The industry median PB Ratio is 1.08. Bank of the Philippine Islands' value of 1.35 is 25% above this benchmark. Historically, Bank of the Philippine Islands' own PB Ratio has ranged from 0.92 to 2.69 over the past decade. While the company's 10-year median is 1.50 vs. the industry median of 1.08, Bank of the Philippine Islands 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 1.08, based on 1,515 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. Bank of the Philippine Islands's current PB Ratio of 1.35 is 25% 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 Bank of the Philippine Islands and its competitors. For the Banks industry, the median PB Ratio is 1.08 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bank of the Philippine Islands's current PB Ratio is 1.35, which is 10% below median its own 10-year median of 1.50. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bank of the Philippine Islands stock overvalued right now?
Bank of the Philippine Islands (BPHLF) has a current PB Ratio of 1.35. The stock's GF Value™ is $3.27, compared to a current price of $2.00 — trading 38.8% below its estimated fair value. The current PB Ratio is 1.35, which is 10% below median its 10-year median of 1.50 and 25% above the Banks industry median of 1.08. Bank of the Philippine Islands' overall GF Score™ is 78/100 with 3 warning signs 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 Bank of the Philippine Islands (BPHLF), the current PB Ratio is 1.35 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 Bank of the Philippine Islands (BPHLF) Overvalued in 2026?
Based on GuruFocus' analysis, Bank of the Philippine Islands stock appears to be undervalued.
The current stock price of $2.00 is trading 38.8% below its estimated GF Value™ of $3.27.
Key valuation signals for BPHLF:
PB Ratio: 1.35 (10% below median its 10-year median of 1.50)
GF Value™: $3.27 vs. price of $2.00 (38.8% below fair value)
Industry Position: 25% above the Banks median (#719 of 1515)
No single metric tells the full story. See the BPHLF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Bank of the Philippine Islands Business Description
Bank of the Philippine Islands is a universal bank offering a range of financial products and solutions for both retail and corporate customers. The services of the company include consumer banking and lending, asset management, insurance, securities brokerage and distribution, foreign exchange, leasing, and corporate and investment banking. It has three business segments: Consumer banking, Corporate banking, and Investment banking. It derives maximum revenue from the Consumer Banking Segment.
78GF Score
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