Philippine Bank of Communications (PHS:PBC) Scaled Net Operating Assets: 0.17 (As of Mar. 2026)


PHS:PBC Philippine Bank of Communications PHS:PBC
62 GF Score
Price ₱15.42
GF Value ₱19.93
Valuation Modestly Undervalued
! 3 Warning Signs
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What is Philippine Bank of Communications Scaled Net Operating Assets?

Philippine Bank of Communications PHS:PBC +0.92% 62 Scaled Net Operating Assets is 0.17 as of Mar. 2026. GuruFocus rates PHS:PBC with a GF Score™ of 62/100 and a GF Value™ of ₱19.93 (Modestly Undervalued). The stock has 3 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 Bank of Communications's operating assets for the quarter that ended in Mar. 2026 was ₱171,002 Mil. Philippine Bank of Communications's operating liabilities for the quarter that ended in Mar. 2026 was ₱140,028 Mil. Philippine Bank of Communications's Total Assets for the quarter that ended in Dec. 2025 was ₱185,260 Mil. Therefore, Philippine Bank of Communications's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.17.

PHS:PBC
62GF Score
Philippine Bank of Communications PHS:PBC
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Philippine Bank of Communications 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 Bank of Communications'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 )
=(174543.092-133309.443)/156896.002
=0.26

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=185260.105 - 10717.013
=174543.092

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=163827.909 - 30518.466 - 0
=133309.443

Philippine Bank of Communications'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 )
=(171002.029-140028.359)/185260.105
=0.17

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=188633.158 - 17631.129
=171002.029

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=167881.277 - 27852.918 - 0
=140028.359

* 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 0.17 mean?
Philippine Bank of Communications (PHS:PBC) has a Scaled Net Operating Assets of 0.17 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 Bank of Communications and its competitors.
Is Philippine Bank of Communications' Scaled Net Operating Assets too high?
Philippine Bank of Communications' current Scaled Net Operating Assets is 0.17. 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' Scaled Net Operating Assets compare to PNC and USB?
Philippine Bank of Communications' Scaled Net Operating Assets of 0.17 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 Bank of Communications and its competitors. Philippine Bank of Communications's current Scaled Net Operating Assets is 0.17. 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 Scaled Net Operating Assets is 0.17. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Philippine Bank of Communications (PHS:PBC), the current Scaled Net Operating Assets is 0.17 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:

  • Scaled Net Operating Assets: 0.17
  • GF Value™: ₱19.93 vs. price of ₱15.42 (22.6% below fair value)
  • GF Score™: 62/100 with 3 warning signs

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

Address 6795 Ayala Avenue corner V.A. Rufino Street, PBCom Tower, P.O. Box 3281, Makati City, PHL, 1226
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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Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₱15.42
Price
₱19.93
GF Value