Bank of Commerce (PHS:BNCOM) Quality Rank

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

PHS:BNCOM Bank of Commerce PHS:BNCOM
69 GF Score
Price ₱10.48
GF Value ₱9.32
Valuation Modestly Overvalued
! 1 Warning Sign
View Full Analysis

What is Bank of Commerce Quality Rank?

The Quality Rank measures the business quality of a company relative to other companies. It is ranked based on the strength of the balance sheet, as well as the profitability and growth of the business. The ranked companies are split in equal numbers and then ranked from 1 to 10, with 10 being the highest.

The rank of balance sheet (30%)

The rank of balance sheet is done through the ranking of:
  • Interest coverage
  • Zscore
  • Debt to revenue
  • Equity to asset
  • Cash to debt

The rank of Profitability (70%)

The ranking of Profitability is done by ranking:
  • Operating margin mean rank (10-year mean average profit margine)
  • Operating margin growth rank
  • Fscore
  • Predictability rank
  • Revenue growth rank (5 year), when the growth is higher than 25%, set it as 25%
  • Num of year profit (number of years that is profitable within the last 10 years)
  • ROIC median (10-year median of ROIC)

Bank of Commerce Quality Rank Related Terms

PHS:BNCOM
69GF Score
Bank of Commerce PHS:BNCOM
Quality Rank is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Is Bank of Commerce (PHS:BNCOM) Overvalued in 2026?

Based on GuruFocus' analysis, Bank of Commerce stock appears to be overvalued. The current stock price of ₱10.48 is trading 12.4% above its estimated GF Value™ of ₱9.32. GuruFocus considers Bank of Commerce to be Modestly Overvalued.

Key valuation signals for PHS:BNCOM:

  • Quality Rank:
  • GF Value™: ₱9.32 vs. price of ₱10.48 (12.4% above fair value)
  • GF Score™: 69/100 with 1 warning sign

No single metric tells the full story. See the PHS:BNCOM stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Bank of Commerce Business Description

Address 7 St. Francis Street, San Miguel Properties Centre, P.O. Box 002, Mandaluyong, PHL, 1550
Bank of Commerce is a universal bank focused on helping its clients, communities, and conglomerate partners by delivering financial services. It provides banking solutions and a complete products and services in deposit, commercial loans, credit card services, consumer banking, transaction banking, corporate banking, investment banking, treasury, asset management, trust, and investments. Its segments include Treasury Management Group, Corporate Banking Group, Branch Banking Group, Consumer Group, and Others, with the majority of the revenue deriving from Corporate Banking Group, which principally handles loans and other credit facilities for corporate, institutional, and middle market clients.
69GF Score

Get the complete analysis for PHS:BNCOM

Quality Rank is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₱10.48
Price
₱9.32
GF Value