Rizal Commercial Banking (PHS:RCB) Risk Assessment


PHS:RCB Rizal Commercial Banking Corp PHS:RCB
81 GF Score
Price ₱23.50
GF Value ₱29.69
Valuation Modestly Undervalued
! 3 Warning Signs
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What is Rizal Commercial Banking 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 Rizal Commercial Banking is: High Risk: High uncertainty with risk-return tradeoff.

Rizal Commercial Banking  (PHS:RCB) 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.

Rizal Commercial Banking Risk Assessment Related Terms

Rizal Commercial Banking Risk Assessment Competitor Comparison

For the Banks - Regional subindustry, Rizal Commercial Banking'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.

Rizal Commercial Banking Risk Assessment vs Banks Industry

For the Banks industry and Financial Services sector, Rizal Commercial Banking's Risk Assessment distribution charts can be found below:

* The bar in red indicates where Rizal Commercial Banking's Risk Assessment falls into.


PHS:RCB
81GF Score
Rizal Commercial Banking Corp PHS:RCB
Risk Assessment is just one metric. See GF Score™, valuation, warning signs, and more.
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Is Rizal Commercial Banking (PHS:RCB) Overvalued in 2026?

Based on GuruFocus' analysis, Rizal Commercial Banking stock appears to be undervalued. The current stock price of ₱23.50 is trading 20.8% below its estimated GF Value™ of ₱29.69. GuruFocus considers Rizal Commercial Banking to be Modestly Undervalued.

Key valuation signals for PHS:RCB:

  • Risk Assessment:
  • GF Value™: ₱29.69 vs. price of ₱23.50 (20.8% below fair value)
  • GF Score™: 81/100 with 3 warning signs

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

Rizal Commercial Banking Business Description

Address 6819 Ayala Avenue, Yuchengco Tower, RCBC Plaza, Makati, PHL, 1200
Rizal Commercial Banking Corporation is a bank. The company provides banking and financial products and services to its customers in the Philippines but also in Asia, Europe, and the United States. The bank operates in the below segments: Retail, Corporate, Small and Medium enterprises, Treasury, and Others. Of these segments, the contributor to revenue is the retail banking function, followed by corporate banking. Services provided to clients include checking and savings accounts, deposits, credit cards, consumer and commercial loans, money market and trading services, investment banking, foreign exchange, wealth management, economic and investment research, syndicated loans, and wholesale lending.
81GF Score

Get the complete analysis for PHS:RCB

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

₱23.50
Price
₱29.69
GF Value