Philippine Business Bank (PHS:PBB) Scaled Net Operating Assets: 0.09 (As of Mar. 2026)


PHS:PBB Philippine Business Bank PHS:PBB
62 GF Score
Price ₱7.06
GF Value ₱8.69
Valuation Modestly Undervalued
! 2 Warning Signs
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What is Philippine Business Bank Scaled Net Operating Assets?

Philippine Business Bank PHS:PBB -1.53% 62 Scaled Net Operating Assets is 0.09 as of Mar. 2026. GuruFocus rates PHS:PBB with a GF Score™ of 62/100 and a GF Value™ of ₱8.69 (Modestly Undervalued). The stock has 2 warning signs investors should review.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Philippine Business Bank's operating assets for the quarter that ended in Mar. 2026 was ₱153,772 Mil. Philippine Business Bank's operating liabilities for the quarter that ended in Mar. 2026 was ₱138,566 Mil. Philippine Business Bank's Total Assets for the quarter that ended in Dec. 2025 was ₱168,863 Mil. Therefore, Philippine Business Bank's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.09.

PHS:PBB
62GF Score
Philippine Business Bank PHS:PBB
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Philippine Business Bank Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Philippine Business Bank's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(158668.674-139110.044)/167991.666
=0.12

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=168862.654 - 10193.98
=158668.674

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=147693.629 - 8583.585 - 0
=139110.044

Philippine Business Bank's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(153771.949-138566.334)/168862.654
=0.09

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=164026.488 - 10254.539
=153771.949

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=142937.933 - 4371.599 - 0
=138566.334

* 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 Scaled Net Operating Assets of 0.09 mean?
Philippine Business Bank (PHS:PBB) has a Scaled Net Operating Assets of 0.09 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Philippine Business Bank and its competitors.
Is Philippine Business Bank's Scaled Net Operating Assets too high?
Philippine Business Bank's current Scaled Net Operating Assets is 0.09. Overall, Philippine Business Bank 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 Business Bank's Scaled Net Operating Assets compare to PNC and USB?
Philippine Business Bank's Scaled Net Operating Assets of 0.09 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 Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Philippine Business Bank and its competitors. Philippine Business Bank's current Scaled Net Operating Assets is 0.09. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Philippine Business Bank stock overvalued right now?
Based on GuruFocus' analysis, Philippine Business Bank (PHS:PBB) is currently considered Modestly Undervalued. The stock's GF Value™ is ₱8.69, compared to a current price of ₱7.06 — trading 18.8% below its estimated fair value. The current Scaled Net Operating Assets is 0.09. Philippine Business Bank's overall GF Score™ is 62/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Philippine Business Bank (PHS:PBB), the current Scaled Net Operating Assets is 0.09 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 Business Bank (PHS:PBB) Overvalued in 2026?

Based on GuruFocus' analysis, Philippine Business Bank stock appears to be undervalued. The current stock price of ₱7.06 is trading 18.8% below its estimated GF Value™ of ₱8.69. GuruFocus considers Philippine Business Bank to be Modestly Undervalued.

Key valuation signals for PHS:PBB:

  • Scaled Net Operating Assets: 0.09
  • GF Value™: ₱8.69 vs. price of ₱7.06 (18.8% below fair value)
  • GF Score™: 62/100 with 2 warning signs

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

Philippine Business Bank Business Description

Address 350 Rizal Avenue Extension Corner, 8th Avenue, Grace Park, Caloocan City, PHL, 1400
Philippine Business Bank engages in the business of thrift banking. The company provides banking and financial services including cash management, retail and corporate lending, deposit products, international trade finance, treasury, and trust products. The company's predominant operating segments are Consumer Banking which includes auto financing, home financing, and salary or personal loans; Corporate Banking which includes term loans, working capital credit lines, bills purchase, and discounting lines; and Treasury Operations engages in managing the liquidity of the Bank and its trading and investment activities. The majority of its revenue comes from the Corporate Banking segment.
62GF Score

Get the complete analysis for PHS:PBB

Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₱7.06
Price
₱8.69
GF Value