* The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
PHS:PBC'
s PEG Ratio Range Over the Past 10 Years
Min: 0.26 Med: 0.8 Max: 71.29
Current: 0.27
During the past 13 years, Philippine Bank of Communications's highest PEG Ratio was 71.29. The lowest was 0.26. And the median was 0.80.
PHS:PBC's PEG Ratio is ranked better than 95.12% of 1229
companies
in the Banks industry
Industry Median: 1.52
vs PHS:PBC: 0.27
Peter Lynch thinks a company with a P/E ratio equal to its growth rate is fairly valued.
Philippine Bank of Communications (PHS:PBC) PEG Ratio Explanation
To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the P/E ratio divided by the growth ratio. He thinks a company with a P/E ratio equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a P/E of 20, instead of a company growing 10% a year with a P/E of 10.
Philippine Bank of Communications PEG Ratio Related Terms
Philippine Bank of Communications PEG 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 PEG Ratio, along with its competitors' market caps and PEG 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 PEG Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Philippine Bank of Communications's PEG Ratio distribution charts can be found below:
* The bar in red indicates where Philippine Bank of Communications's PEG Ratio 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.
* Note: The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
Philippine Bank of Communications (PHS:PBC) has a PEG Ratio of 0.27 as of Jun. 26, 2026. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on Philippine Bank of Communications and its competitors. This is 66% below median its historical median of 0.80. Over the past decade, Philippine Bank of Communications' PEG Ratio has ranged from 0.26 to 71.29. According to the industry distribution chart, Philippine Bank of Communications ranks #60 out of 1229 companies in the Banks industry, placing it in the top 4.9%.
Is Philippine Bank of Communications' PEG Ratio too high?
Philippine Bank of Communications' current PEG Ratio of 0.27 is 66% below median its 10-year median of 0.80. Over the past 10 years, this metric has ranged from a low of 0.26 to a high of 71.29. The Banks industry median PEG Ratio is 1.52. Philippine Bank of Communications' value of 0.27 is 82.2% below this industry median. Based on the distribution chart, Philippine Bank of Communications ranks #60 out of 1229 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' PEG Ratio compare to PNC and USB?
According to the Banks industry distribution chart, Philippine Bank of Communications ranks #60 out of 1229 companies for PEG Ratio. This places Philippine Bank of Communications in the top 5% of its industry — outperforming the majority of peers. The industry median PEG Ratio is 1.52. Philippine Bank of Communications' value of 0.27 is 82.2% below this benchmark. Historically, Philippine Bank of Communications' own PEG Ratio has ranged from 0.26 to 71.29 over the past decade. While the company's 10-year median is 0.80 vs. the industry median of 1.52, 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 PEG Ratio for a Banks company?
The median PEG Ratio among Banks companies is 1.52, based on 1,229 companies in the industry. Companies in the top quartile (top 25%) have a PEG Ratio significantly above this median, while those in the bottom quartile fall well below. However, PEG Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Philippine Bank of Communications's current PEG Ratio of 0.27 is 82.2% 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 PEG Ratio mean?
A high PEG Ratio can signal that a stock is expensive relative to its fundamentals. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on Philippine Bank of Communications and its competitors. For the Banks industry, the median PEG Ratio is 1.52 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Philippine Bank of Communications's current PEG Ratio is 0.27, which is 66% below median its own 10-year median of 0.80. 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 ₱19.94, compared to a current price of ₱15.42 — trading 22.7% below its estimated fair value. The current PEG Ratio is 0.27, which is 66% below median its 10-year median of 0.80 and 82.2% below the Banks industry median of 1.52. 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 PEG Ratio calculated?
PEG Ratio is calculated from a company's financial statements. For Philippine Bank of Communications (PHS:PBC), the current PEG Ratio is 0.27 as of Jun. 26, 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 22.7% below its estimated GF Value™ of ₱19.94.
GuruFocus considers Philippine Bank of Communications to be Modestly Undervalued.
Key valuation signals for PHS:PBC:
PEG Ratio: 0.27 (66% below median its 10-year median of 0.80)
GF Value™: ₱19.94 vs. price of ₱15.42 (22.7% below fair value)
Industry Position: 82.2% below the Banks median (#60 of 1229)
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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