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Security Bank has the Financial Strength Rank of 4.
GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is rated on a scale of 1 to 10 and is based on these factors:
1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.
2. Debt to revenue ratio. The lower, the better.
3. Altman Z-Score.
4. Other debt related ratios.
A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.
GuruFocus does not calculate Security Bank's interest coverage with the available data.
Security Bank's debt to revenue ratio for the quarter that ended in Mar. 2026 was 1.02.
Altman Z-Score does not apply to banks and insurance companies.
Security Bank (PHS:SECB) Financial Strength Explanation
The rank is rated on a scale of 1 to 10. A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.
Security Bank has the Financial Strength Rank of 4.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
Z-Score model is an accurate forecaster of failure up to two years prior to distress. It can be considered the assessment of the distress of industrial corporations.
The zones of discrimination were as such:
When Z-Score is less than 1.81, it is in Distress Zones.
When Z-Score is greater than 2.99, it is in Safe Zones.
When Z-Score is between 1.81 and 2.99, it is in Grey Zones.
Altman Z-Score does not apply to banks and insurance companies.
* 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.
Security Bank (PHS:SECB) has a Financial Strength of 4 as of Mar. 2026. The financial strength rank measures the strength of a company's balance sheet based on revenue and debt. View historical data on Security Bank and its competitors. This is 33% above median its historical median of 3.00. Over the past decade, Security Bank's Financial Strength has ranged from 2.00 to 5.00.
Is Security Bank's Financial Strength too high?
Security Bank's current Financial Strength of 4 is 33% above median its 10-year median of 3.00. Over the past 10 years, this metric has ranged from a low of 2.00 to a high of 5.00. Overall, Security Bank has a GF Score™ of 80/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Security Bank's Financial Strength compare to competitors?
Security Bank's Financial Strength of 4 can be compared against companies in the Banks industry. Historically, Security Bank's own Financial Strength has ranged from 2.00 to 5.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Financial Strength for a Banks company?
A good Financial Strength depends on the Banks industry context. However, Financial Strength should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Financial Strength mean?
A high Financial Strength can signal that a stock is expensive relative to its fundamentals. The financial strength rank measures the strength of a company's balance sheet based on revenue and debt. View historical data on Security Bank and its competitors. Security Bank's current Financial Strength is 4, which is 33% above median its own 10-year median of 3.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Security Bank stock overvalued right now?
Based on GuruFocus' analysis, Security Bank (PHS:SECB) is currently considered Significantly Undervalued. The stock's GF Value™ is ₱101.41, compared to a current price of ₱63.50 — trading 37.4% below its estimated fair value. The current Financial Strength is 4, which is 33% above median its 10-year median of 3.00. Security Bank's overall GF Score™ is 80/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Financial Strength calculated?
Financial Strength is calculated from a company's financial statements. For Security Bank (PHS:SECB), the current Financial Strength is 4 as of Mar. 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 Security Bank (PHS:SECB) Overvalued in 2026?
Based on GuruFocus' analysis, Security Bank stock appears to be undervalued.
The current stock price of ₱63.50 is trading 37.4% below its estimated GF Value™ of ₱101.41.
GuruFocus considers Security Bank to be Significantly Undervalued.
Key valuation signals for PHS:SECB:
Financial Strength: 4 (33% above median its 10-year median of 3.00)
GF Value™: ₱101.41 vs. price of ₱63.50 (37.4% below fair value)
No single metric tells the full story. See the PHS:SECB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Security Bank Corp is engaged in banking. It operates in four segments: the Financial Markets Segment focuses on providing the money market, foreign exchange, financial derivatives, securities distribution, asset management, trust, and fiduciary services; the Wholesale Banking Segment addresses the corporate, institutional, and public sector markets and commercial clients. Services include relationship management, lending and other credit facilities, trade, cash management, deposit-taking, and leasing services; the Retail Banking Segment addresses individual, retail, and small businesses; the Business Banking segment covers deposit-taking and servicing, consumer loans, credit card facilities, and bancassurance; and All Other Segments include other support services.
80GF Score
Get the complete analysis for PHS:SECB
Financial Strength is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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