Bank of Commerce (PHS:BNCOM) ROE % Adjusted to Book Value: 30.69% (As of Mar. 2026)


PHS:BNCOM Bank of Commerce PHS:BNCOM
72 GF Score
Price ₱11.14
GF Value ₱9.26
Valuation Modestly Overvalued
! 6 Warning Signs
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What is Bank of Commerce ROE % Adjusted to Book Value?

Bank of Commerce PHS:BNCOM -0.18% 72 ROE % Adjusted to Book Value is 30.69% as of Mar. 2026. GuruFocus rates PHS:BNCOM with a GF Score™ of 72/100 and a GF Value™ of ₱9.26 (Modestly Overvalued). The stock has 6 warning signs investors should review.

Bank of Commerce's ROE % for the quarter that ended in Mar. 2026 was 10.74%. Bank of Commerce's PB Ratio for the quarter that ended in Mar. 2026 was 0.35. Bank of Commerce's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 was 30.69%.


Bank of Commerce ROE % Adjusted to Book Value Related Terms


Bank of Commerce ROE % Adjusted to Book Value Historical Data

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The historical data trend for Bank of Commerce's ROE % Adjusted to Book Value can be seen below:

* 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.

Bank of Commerce ROE % Adjusted to Book Value Chart

Bank of Commerce Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROE % Adjusted to Book Value
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 15.24 25.05 28.61 25.35

Bank of Commerce Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
ROE % Adjusted to Book Value Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 31.12 35.03 28.83 22.00 30.69

PHS:BNCOM vs JPM, BAC, WFC: ROE % Adjusted to Book Value Comparison

For the Banks - Diversified subindustry, Bank of Commerce's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book Value 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.


Bank of Commerce ROE % Adjusted to Book Value vs Banks Industry

For the Banks industry and Financial Services sector, Bank of Commerce's ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where Bank of Commerce's ROE % Adjusted to Book Value falls into.


PHS:BNCOM
72GF Score
Bank of Commerce PHS:BNCOM
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
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Bank of Commerce ROE % Adjusted to Book Value Calculation

Bank of Commerce's ROE % Adjusted to Book Value for the fiscal year that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=10.14% / 0.40
=25.35%

Bank of Commerce's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=10.74% / 0.35
=30.69%

* 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.

What does a ROE % Adjusted to Book Value of 30.69% mean?
Bank of Commerce (PHS:BNCOM) has a ROE % Adjusted to Book Value of 30.69% as of Mar. 2026. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Bank of Commerce and its competitors.
Is Bank of Commerce's ROE % Adjusted to Book Value too high?
Bank of Commerce's current ROE % Adjusted to Book Value is 30.69%. Overall, Bank of Commerce has a GF Score™ of 72/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Bank of Commerce's ROE % Adjusted to Book Value compare to JPM and BAC?
Bank of Commerce's ROE % Adjusted to Book Value of 30.69% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % Adjusted to Book Value for a Banks company?
A good ROE % Adjusted to Book Value depends on the Banks industry context. However, ROE % Adjusted to Book Value should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROE % Adjusted to Book Value mean?
A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Bank of Commerce and its competitors. Bank of Commerce's current ROE % Adjusted to Book Value is 30.69%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bank of Commerce stock overvalued right now?
Based on GuruFocus' analysis, Bank of Commerce (PHS:BNCOM) is currently considered Modestly Overvalued. The stock's GF Value™ is ₱9.26, compared to a current price of ₱11.14 — trading 20.3% above its estimated fair value. The current ROE % Adjusted to Book Value is 30.69%. Bank of Commerce's overall GF Score™ is 72/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For Bank of Commerce (PHS:BNCOM), the current ROE % Adjusted to Book Value is 30.69% 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 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 ₱11.14 is trading 20.3% above its estimated GF Value™ of ₱9.26. GuruFocus considers Bank of Commerce to be Modestly Overvalued.

Key valuation signals for PHS:BNCOM:

  • ROE % Adjusted to Book Value: 30.69%
  • GF Value™: ₱9.26 vs. price of ₱11.14 (20.3% above fair value)
  • GF Score™: 72/100 with 6 warning signs

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.
72GF Score

Get the complete analysis for PHS:BNCOM

ROE % Adjusted to Book Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₱11.14
Price
₱9.26
GF Value