ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Philippine Bank of Communications's annualizedNet Income for the quarter that ended in Mar. 2026 was ₱1,609 Mil.
Philippine Bank of Communications's average Total Assets over the quarter that ended in Mar. 2026 was ₱186,947 Mil. Therefore, Philippine Bank of Communications's annualized ROA % for the quarter that ended in Mar. 2026 was 0.86%.
PHS:PBC'
s ROA % Range Over the Past 10 Years
Min: 0.21 Med: 1.27 Max: 1.49
Current: 1.4
During the past 13 years, Philippine Bank of Communications's highest ROA % was 1.49%. The lowest was 0.21%. And the median was 1.27%.
PHS:PBC's ROA % is ranked better than 74.08% of 1528
companies
in the Banks industry
Industry Median: 0.98
vs PHS:PBC: 1.40
Philippine Bank of Communications (PHS:PBC) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
Philippine Bank of Communications ROA % Related Terms
Philippine Bank of Communications ROA % 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.
For the Banks - Regional subindustry, Philippine Bank of Communications's ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Banks Industry
For the Banks industry and Financial Services sector, Philippine Bank of Communications's ROA % distribution charts can be found below:
* The bar in red indicates where Philippine Bank of Communications's ROA % 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 ROA %, the net income of the last fiscal year and the average total assets 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.
ROA % is displayed in the 30-year financial page.
Philippine Bank of Communications (PHS:PBC) has a ROA % of 0.86% as of Mar. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Philippine Bank of Communications and its competitors. This is 32% below median its historical median of 1.27. Over the past decade, Philippine Bank of Communications' ROA % has ranged from 0.21 to 1.49. According to the industry distribution chart, Philippine Bank of Communications ranks #396 out of 1528 companies in the Banks industry, placing it in the top 25.9%.
Is Philippine Bank of Communications' ROA % too high?
Philippine Bank of Communications' current ROA % of 0.86% is 32% below median its 10-year median of 1.27. Over the past 10 years, this metric has ranged from a low of 0.21 to a high of 1.49. The Banks industry median ROA % is 0.98. Philippine Bank of Communications' value of 0.86% is 12.2% below this industry median. Based on the distribution chart, Philippine Bank of Communications ranks #396 out of 1528 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' ROA % compare to PNC and USB?
According to the Banks industry distribution chart, Philippine Bank of Communications ranks #396 out of 1528 companies for ROA %. This puts Philippine Bank of Communications in the upper half of its industry. The industry median ROA % is 0.98. Philippine Bank of Communications' value of 0.86% is 12.2% below this benchmark. Historically, Philippine Bank of Communications' own ROA % has ranged from 0.21 to 1.49 over the past decade. While the company's 10-year median is 1.27 vs. the industry median of 0.98, 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 ROA % for a Banks company?
The median ROA % among Banks companies is 0.98, based on 1,528 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Philippine Bank of Communications's current ROA % of 0.86% is 12.2% 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Philippine Bank of Communications and its competitors. For the Banks industry, the median ROA % is 0.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Philippine Bank of Communications's current ROA % is 0.86%, which is 32% below median its own 10-year median of 1.27. 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 ₱19.93, compared to a current price of ₱15.42 — trading 22.6% below its estimated fair value. The current ROA % is 0.86%, which is 32% below median its 10-year median of 1.27 and 12.2% below the Banks industry median of 0.98. 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 ROA % calculated?
ROA % is calculated from a company's financial statements. For Philippine Bank of Communications (PHS:PBC), the current ROA % is 0.86% 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 22.6% below its estimated GF Value™ of ₱19.93.
GuruFocus considers Philippine Bank of Communications to be Modestly Undervalued.
Key valuation signals for PHS:PBC:
ROA %: 0.86% (32% below median its 10-year median of 1.27)
GF Value™: ₱19.93 vs. price of ₱15.42 (22.6% below fair value)
Industry Position: 12.2% below the Banks median (#396 of 1528)
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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