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Some businesses have very light assets, such as software companies or insurance agencies. The Price-to-Book Ratio does not work well for these companies. Some companies even have negative equity, so the Price-to-Book Ratio cannot be applied to them.
Philippinevings Bank Price-to-Tangible-Book Related Terms
Philippinevings Bank Price-to-Tangible-Book Historical Data
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The historical data trend for Philippinevings Bank's Price-to-Tangible-Book 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 Price-to-Tangible-Book Competitor Comparison
For the Banks - Regional subindustry, Philippinevings Bank's Price-to-Tangible-Book, along with its competitors' market caps and Price-to-Tangible-Book 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 Price-to-Tangible-Book vs Banks Industry
For the Banks industry and Financial Services sector, Philippinevings Bank's Price-to-Tangible-Book distribution charts can be found below:
* The bar in red indicates where Philippinevings Bank's Price-to-Tangible-Book 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called PB Ratio. The difference between Price-to-Tangible-Book Ratio and PB Ratio is that book value other than intangibles are used in the calculation.
Philippinevings Bank (PHS:PSB) has a Price-to-Tangible-Book of 0.49 as of Sep. 03, 2026. Price-to-tangible-book ratio is the ratio of share price to a company's tangible book value per share. View historical data on Philippinevings Bank and its competitors. According to the industry distribution chart, Philippinevings Bank ranks #146 out of 1495 companies in the Banks industry, placing it in the top 9.8%.
Is Philippinevings Bank's Price-to-Tangible-Book too high?
Philippinevings Bank's current Price-to-Tangible-Book is 0.49. The Banks industry median Price-to-Tangible-Book is 1.20. Philippinevings Bank's value of 0.49 is 59.2% below this industry median. Based on the distribution chart, Philippinevings Bank ranks #146 out of 1495 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 60/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Philippinevings Bank's Price-to-Tangible-Book compare to competitors?
According to the Banks industry distribution chart, Philippinevings Bank ranks #146 out of 1495 companies for Price-to-Tangible-Book. This places Philippinevings Bank in the top 10% of its industry — outperforming the majority of peers. The industry median Price-to-Tangible-Book is 1.20. Philippinevings Bank's value of 0.49 is 59.2% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Price-to-Tangible-Book for a Banks company?
The median Price-to-Tangible-Book among Banks companies is 1.20, based on 1,495 companies in the industry. Companies in the top quartile (top 25%) have a Price-to-Tangible-Book significantly above this median, while those in the bottom quartile fall well below. However, Price-to-Tangible-Book should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Philippinevings Bank's current Price-to-Tangible-Book of 0.49 is 59.2% 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 Price-to-Tangible-Book mean?
A high Price-to-Tangible-Book can signal that a stock is expensive relative to its fundamentals. Price-to-tangible-book ratio is the ratio of share price to a company's tangible book value per share. View historical data on Philippinevings Bank and its competitors. For the Banks industry, the median Price-to-Tangible-Book is 1.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Philippinevings Bank's current Price-to-Tangible-Book is 0.49. 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 ₱58.92, compared to a current price of ₱52.30 — trading 11.2% below its estimated fair value. The current Price-to-Tangible-Book is 0.49 and 59.2% below the Banks industry median of 1.20. Philippinevings Bank's overall GF Score™ is 60/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Price-to-Tangible-Book calculated?
Price-to-Tangible-Book is calculated from a company's financial statements. For Philippinevings Bank (PHS:PSB), the current Price-to-Tangible-Book is 0.49 as of Sep. 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 ₱52.30 is trading 11.2% below its estimated GF Value™ of ₱58.92.
GuruFocus considers Philippinevings Bank to be Modestly Undervalued.
Key valuation signals for PHS:PSB:
Price-to-Tangible-Book: 0.49
GF Value™: ₱58.92 vs. price of ₱52.30 (11.2% below fair value)
Industry Position: 59.2% below the Banks median (#146 of 1495)
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.
60GF Score
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Price-to-Tangible-Book is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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