Philippine National Bank (PHS:PNB) Risk Assessment

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:PNB Philippine National Bank PHS:PNB
73 GF Score
Price ₱62.60
GF Value ₱32.09
Valuation Significantly Overvalued
! 1 Warning Sign
View Full Analysis

What is Philippine National Bank Risk Assessment?

Risk Assessment represents the investment risk of a stock derived from our exclusive method. It suggests how risky the investment opportunity is based on the valuation and the fundamental performance of the stock. It is derived from following key aspects:

1. GuruFocus internally developed valuations of the stock, such as GF valuation.
2. Quality Rank, a business quality indicator developed by GuruFocus.
3. Fundamental performance: Piotroski F-Score, Altman Z-Score, Beneish M-Score, etc.
4. Growth opportunities: 5-year revenue growth rate, 5-Year EPS without NRI Growth Rate, etc.

Value investors are always willing to find undervalued stocks. However, not all the undervalued stocks are good deals, we should also be careful of how risky the investment opportunity is. We believe that if the company's financial strength and profitability are strong, and the stock price is within a reasonable range of the GF valuation, or stock has a high return with its price being undervalued, then it might be a good investment opportunity with low risk.

Based on those aspects listed above, GuruFocus believes the risk assessment of Philippine National Bank is: High Risk: High uncertainty with risk-return tradeoff.

Philippine National Bank  (PHS:PNB) Risk Assessment Explanation

Based on the four aspects listed above, GuruFocus provides the following 7 evaluations:

All-in-One Screener Examples (1)
Low Risk: Strong fundamentals, worth long-term holding
Moderate Risk: Sensitive, better choose undervalued stock
High Risk: High uncertainty with risk-return tradeoff
High Risk: Good fundamentals, beware of shrinking business
High Risk: Sensitive to economic or industry trends
High Risk: High uncertainty
No Data: Cannot be evaluated

(1) These are some simple examples. You can access our Risk Assessment filter under All-in-One Screener’s Fundamental tab and set your own criteria.

Philippine National Bank Risk Assessment Related Terms

Philippine National Bank Risk Assessment Competitor Comparison

For the Banks - Regional subindustry, Philippine National Bank's Risk Assessment, along with its competitors' market caps and Risk Assessment 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 National Bank Risk Assessment vs Banks Industry

For the Banks industry and Financial Services sector, Philippine National Bank's Risk Assessment distribution charts can be found below:

* The bar in red indicates where Philippine National Bank's Risk Assessment falls into.


PHS:PNB
73GF Score
Philippine National Bank PHS:PNB
Risk Assessment is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Is Philippine National Bank (PHS:PNB) Overvalued in 2026?

Based on GuruFocus' analysis, Philippine National Bank stock appears to be overvalued. The current stock price of ₱62.60 is trading 95.1% above its estimated GF Value™ of ₱32.09. GuruFocus considers Philippine National Bank to be Significantly Overvalued.

Key valuation signals for PHS:PNB:

  • Risk Assessment:
  • GF Value™: ₱32.09 vs. price of ₱62.60 (95.1% above fair value)
  • GF Score™: 73/100 with 1 warning sign

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

Philippine National Bank Business Description

Address President Diosdado P. Macapagal Boulevard, PNB Financial Center, Metro Manila, Pasay, PHL, 1300
Philippine National Bank provides a full range of banking and other financial services, which include deposit-taking, lending, bills discounting, trade finance, foreign exchange dealings, treasury operations, wealth management, fund transfers, remittance and trust services. Business segments are Retail Banking which principally handling individual customers deposits, and providing consumer type loans; Corporate Banking which principally handling loans and other credit facilities and deposit; Treasury which principally providing money market, treasury services; Other Segments. The company generates majority of interest from Retail Banking. It has presence in Philippines, Asia (excluding Philippines), USA and Canada, United Kingdom of which majority of revenue comes from Philippines.
73GF Score

Get the complete analysis for PHS:PNB

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

₱62.60
Price
₱32.09
GF Value