PHS:PBC'
s ROE % Range Over the Past 10 Years
Min: 1.96 Med: 10.83 Max: 12.53
Current: 12.1
During the past 13 years, Philippine Bank of Communications's highest ROE % was 12.53%. The lowest was 1.96%. And the median was 10.83%.
PHS:PBC's ROE % is ranked better than 63.89% of 1523
companies
in the Banks industry
Industry Median: 10.22
vs PHS:PBC: 12.10
Philippine Bank of Communications (PHS:PBC) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
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. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % 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 ROE %s can be extremely high.
Philippine Bank of Communications ROE % Related Terms
Philippine Bank of Communications ROE % 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 ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Philippine Bank of Communications's ROE % distribution charts can be found below:
* The bar in red indicates where Philippine Bank of Communications's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder 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.
ROE % is displayed in the 30-year financial page.
Philippine Bank of Communications (PHS:PBC) has a ROE % of 7.63% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Philippine Bank of Communications and its competitors. This is 30% below median its historical median of 10.83. Over the past decade, Philippine Bank of Communications' ROE % has ranged from 1.96 to 12.53. According to the industry distribution chart, Philippine Bank of Communications ranks #550 out of 1523 companies in the Banks industry, placing it in the top 36.1%.
Is Philippine Bank of Communications' ROE % too high?
Philippine Bank of Communications' current ROE % of 7.63% is 30% below median its 10-year median of 10.83. Over the past 10 years, this metric has ranged from a low of 1.96 to a high of 12.53. The Banks industry median ROE % is 10.22. Philippine Bank of Communications' value of 7.63% is 25.3% below this industry median. Based on the distribution chart, Philippine Bank of Communications ranks #550 out of 1523 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' ROE % compare to PNC and USB?
According to the Banks industry distribution chart, Philippine Bank of Communications ranks #550 out of 1523 companies for ROE %. This puts Philippine Bank of Communications in the upper half of its industry. The industry median ROE % is 10.22. Philippine Bank of Communications' value of 7.63% is 25.3% below this benchmark. Historically, Philippine Bank of Communications' own ROE % has ranged from 1.96 to 12.53 over the past decade. While the company's 10-year median is 10.83 vs. the industry median of 10.22, 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 ROE % for a Banks company?
The median ROE % among Banks companies is 10.22, based on 1,523 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Philippine Bank of Communications's current ROE % of 7.63% is 25.3% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Philippine Bank of Communications and its competitors. For the Banks industry, the median ROE % is 10.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Philippine Bank of Communications's current ROE % is 7.63%, which is 30% below median its own 10-year median of 10.83. 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 ROE % is 7.63%, which is 30% below median its 10-year median of 10.83 and 25.3% below the Banks industry median of 10.22. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For Philippine Bank of Communications (PHS:PBC), the current ROE % is 7.63% 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:
ROE %: 7.63% (30% below median its 10-year median of 10.83)
GF Value™: ₱19.93 vs. price of ₱15.42 (22.6% below fair value)
Industry Position: 25.3% below the Banks median (#550 of 1523)
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
Get the complete analysis for PHS:PBC
ROE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
PHS:PBC has been successfully added to your 
