PHS:PBC'
s PB Ratio Range Over the Past 10 Years
Min: 0.35 Med: 0.67 Max: 1.55
Current: 0.35
During the past 13 years, Philippine Bank of Communications's highest PB Ratio was 1.55. The lowest was 0.35. And the median was 0.67.
PHS:PBC's PB Ratio is ranked better than 94.13% of 1515
companies
in the Banks industry
Industry Median: 1.08
vs PHS:PBC: 0.35
During the past 12 months, Philippine Bank of Communications's average Book Value Per Share Growth Rate was 4.60% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 11.20% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 11.20% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 10.10% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Philippine Bank of Communications was 25.50% per year. The lowest was -11.10% per year. And the median was 11.10% per year.
Back to Basics: PB Ratio
Philippine Bank of Communications (PHS:PBC) 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 Bank of Communications PB Ratio Related Terms
Philippine Bank of Communications 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.
For the Banks - Regional subindustry, Philippine Bank of Communications'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 Bank of Communications PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Philippine Bank of Communications's PB Ratio distribution charts can be found below:
* The bar in red indicates where Philippine Bank of Communications's PB Ratio falls into.
Philippine Bank of Communications 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.
Philippine Bank of Communications (PHS:PBC) has a PB Ratio of 0.36 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 Philippine Bank of Communications and its competitors. This is 46% below median its historical median of 0.67. Over the past decade, Philippine Bank of Communications' PB Ratio has ranged from 0.35 to 1.55. According to the industry distribution chart, Philippine Bank of Communications ranks #89 out of 1515 companies in the Banks industry, placing it in the top 5.9%.
Is Philippine Bank of Communications' PB Ratio too high?
Philippine Bank of Communications' current PB Ratio of 0.36 is 46% below median its 10-year median of 0.67. Over the past 10 years, this metric has ranged from a low of 0.35 to a high of 1.55. The Banks industry median PB Ratio is 1.08. Philippine Bank of Communications' value of 0.36 is 66.7% below this industry median. Based on the distribution chart, Philippine Bank of Communications ranks #89 out of 1515 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Philippine Bank of Communications 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 Bank of Communications' PB Ratio compare to PNC and USB?
According to the Banks industry distribution chart, Philippine Bank of Communications ranks #89 out of 1515 companies for PB Ratio. This places Philippine Bank of Communications in the top 6% of its industry — outperforming the majority of peers. The industry median PB Ratio is 1.08. Philippine Bank of Communications' value of 0.36 is 66.7% below this benchmark. Historically, Philippine Bank of Communications' own PB Ratio has ranged from 0.35 to 1.55 over the past decade. While the company's 10-year median is 0.67 vs. the industry median of 1.08, Philippine Bank of Communications 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 1.08, 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. Philippine Bank of Communications's current PB Ratio of 0.36 is 66.7% 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 Philippine Bank of Communications 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. Philippine Bank of Communications's current PB Ratio is 0.36, which is 46% below median its own 10-year median of 0.67. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Philippine Bank of Communications stock overvalued right now?
Based on GuruFocus' analysis, Philippine Bank of Communications (PHS:PBC) is currently considered Modestly Undervalued. The stock's GF Value™ is ₱19.93, compared to a current price of ₱15.42 — trading 22.6% below its estimated fair value. The current PB Ratio is 0.36, which is 46% below median its 10-year median of 0.67 and 66.7% below the Banks industry median of 1.08. Philippine Bank of Communications' overall GF Score™ is 62/100 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 Philippine Bank of Communications (PHS:PBC), the current PB Ratio is 0.36 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 Philippine Bank of Communications (PHS:PBC) Overvalued in 2026?
Based on GuruFocus' analysis, Philippine Bank of Communications stock appears to be undervalued.
The current stock price of ₱15.42 is trading 22.6% below its estimated GF Value™ of ₱19.93.
GuruFocus considers Philippine Bank of Communications to be Modestly Undervalued.
Key valuation signals for PHS:PBC:
PB Ratio: 0.36 (46% below median its 10-year median of 0.67)
GF Value™: ₱19.93 vs. price of ₱15.42 (22.6% below fair value)
Industry Position: 66.7% below the Banks median (#89 of 1515)
No single metric tells the full story. See the PHS:PBC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Philippine Bank of Communications Business Description
Philippine Bank of Communications is a banking corporation registered in the Philippines. It is engaged in providing retail and commercial banking services such as savings, deposits, current accounts, cash management, checking, time deposit accounts, and debit cards. It also offers a wide range-of-products and services to clients. These include basic universal banking services such as deposit products, credit and loan facilities, trade-related services, treasury and foreign exchange trading, cash management services, and Trust and Investment Management services. It organizes its business into five segments, namely Branch Banking, Corporate Banking, Treasury, Consumer Finance, and Trust and Wealth Management. The company's revenue consists of interest income, dividends, fees, & commissions.
62GF Score
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