Philippine Bank of CommunicationsPHS:PBC 62 Return-on-Tangible-Equity is 7.83% as of Mar. 2026, which is 32% below its 10-year median of 11.44. GuruFocus rates PHS:PBC with a GF Score™ of 62/100 and a GF Value™ of ₱19.94 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 1,525 Banks companies, Philippine Bank of Communications ranks better than 57.11% on this metric.
The historical rank and industry rank for Philippine Bank of Communications's Return-on-Tangible-Equity or its related term are showing as below:
PHS:PBC'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 2.21 Med: 11.44 Max: 12.87
Current: 12.42
During the past 13 years, Philippine Bank of Communications's highest Return-on-Tangible-Equity was 12.87%. The lowest was 2.21%. And the median was 11.44%.
PHS:PBC's Return-on-Tangible-Equity is ranked better than 57.11% of 1525
companies
in the Banks industry
Industry Median: 11.21
vs PHS:PBC: 12.42
Philippine Bank of Communications (PHS:PBC) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Philippine Bank of Communications Return-on-Tangible-Equity Related Terms
Philippine Bank of Communications Return-on-Tangible-Equity 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.
Philippine Bank of Communications Return-on-Tangible-Equity Chart
PHS:PBC vs PNC, USB: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Philippine Bank of Communications's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Philippine Bank of Communications's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Philippine Bank of Communications's Return-on-Tangible-Equity 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 7.83% mean?
Philippine Bank of Communications (PHS:PBC) has a Return-on-Tangible-Equity of 7.83% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Philippine Bank of Communications and its competitors. This is 32% below median its historical median of 11.44. Over the past decade, Philippine Bank of Communications' Return-on-Tangible-Equity has ranged from 2.21 to 12.87. According to the industry distribution chart, Philippine Bank of Communications ranks #654 out of 1525 companies in the Banks industry, placing it in the top 42.9%.
Is Philippine Bank of Communications' Return-on-Tangible-Equity too high?
Philippine Bank of Communications' current Return-on-Tangible-Equity of 7.83% is 32% below median its 10-year median of 11.44. Over the past 10 years, this metric has ranged from a low of 2.21 to a high of 12.87. The Banks industry median Return-on-Tangible-Equity is 11.21. Philippine Bank of Communications' value of 7.83% is 30.2% below this industry median. Based on the distribution chart, Philippine Bank of Communications ranks #654 out of 1525 companies in the Banks industry, which is above the industry midpoint. 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' Return-on-Tangible-Equity compare to PNC and USB?
According to the Banks industry distribution chart, Philippine Bank of Communications ranks #654 out of 1525 companies for Return-on-Tangible-Equity. This puts Philippine Bank of Communications in the upper half of its industry. The industry median Return-on-Tangible-Equity is 11.21. Philippine Bank of Communications' value of 7.83% is 30.2% below this benchmark. Historically, Philippine Bank of Communications' own Return-on-Tangible-Equity has ranged from 2.21 to 12.87 over the past decade. While the company's 10-year median is 11.44 vs. the industry median of 11.21, 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 Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.21, based on 1,525 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Philippine Bank of Communications's current Return-on-Tangible-Equity of 7.83% is 30.2% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Philippine Bank of Communications and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.21 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Philippine Bank of Communications's current Return-on-Tangible-Equity is 7.83%, which is 32% below median its own 10-year median of 11.44. 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 Return-on-Tangible-Equity is 7.83%, which is 32% below median its 10-year median of 11.44 and 30.2% below the Banks industry median of 11.21. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Philippine Bank of Communications (PHS:PBC), the current Return-on-Tangible-Equity is 7.83% 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 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:
Return-on-Tangible-Equity: 7.83% (32% below median its 10-year median of 11.44)
GF Value™: ₱19.94 vs. price of ₱15.42 (22.7% below fair value)
Industry Position: 30.2% below the Banks median (#654 of 1525)
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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