Bank of Commerce (PHS:BNCOM) Total Payout Ratio: 0.00 (As of Aug. 13, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

PHS:BNCOM Bank of Commerce PHS:BNCOM
65 GF Score
Price ₱10.46
GF Value ₱9.41
Valuation Modestly Overvalued
! 2 Warning Signs
View Full Analysis

What is Bank of Commerce Total Payout Ratio?

Bank of Commerce PHS:BNCOM -0.19% 65 Total Payout Ratio is 0.00 as of Aug. 13, 2026. GuruFocus rates PHS:BNCOM with a GF Score™ of 65/100 and a GF Value™ of ₱9.41 (Modestly Overvalued). The stock has 2 warning signs investors should review.

Total Payout Ratio is the percent a company has paid to its shareholders through net repurchase of shares and dividends based on its Net Income.

Bank of Commerce's current Total Payout Ratio is 0.00.


Bank of Commerce Total Payout Ratio Related Terms


Bank of Commerce Total Payout Ratio Historical Data

* Premium members only.

The historical data trend for Bank of Commerce's Total Payout Ratio 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 Total Payout Ratio Chart

Bank of Commerce Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Total Payout Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 -1.32 0.00 0.17 0.18

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
Total Payout Ratio 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 0.00 0.00 0.00 0.00 0.00

PHS:BNCOM vs JPM, BAC, WFC: Total Payout Ratio Comparison

For the Banks - Diversified subindustry, Bank of Commerce's Total Payout Ratio, along with its competitors' market caps and Total Payout Ratio 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 Total Payout Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Bank of Commerce's Total Payout Ratio distribution charts can be found below:

* The bar in red indicates where Bank of Commerce's Total Payout Ratio falls into.


PHS:BNCOM
65GF Score
Bank of Commerce PHS:BNCOM
Total Payout Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Bank of Commerce Total Payout Ratio Calculation

Total Payout Ratio is a measurement showing the proportion of earnings a company pays shareholders in the form of dividends and net stock repurchases.

Bank of Commerce's Total Payout Ratio for the fiscal year that ended in Dec. 2025 is calculated as

Total Payout Ratio=- (Repurchase of Stock + Issuance of Stock + Cash Flow for Dividends) / Net Income
=- (0 + 0 + -851.356) / 4807.127
=0.18

Bank of Commerce's Total Payout Ratio for the quarter that ended in Mar. 2026 is calculated as

Total Payout Ratio=- (Repurchase of Stock + Issuance of Stock + Cash Flow for Dividends) / Net Income
=- (0 + 0 + 0) / 1328.728
=0.00

* 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.

Frequently Asked Questions Learn more about Total Payout Ratio →
What does a Total Payout Ratio of 0.00 mean?
Bank of Commerce (PHS:BNCOM) has a Total Payout Ratio of 0.00 as of Aug. 13, 2026. Total Payout Ratio is the percent a company has paid to its shareholders through net repurchase of shares and dividends based on its Net Income. View historical data on Bank of Commerce and its competitors.
Is Bank of Commerce's Total Payout Ratio too high?
Bank of Commerce's current Total Payout Ratio is 0.00. Overall, Bank of Commerce has a GF Score™ of 65/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Bank of Commerce's Total Payout Ratio compare to JPM and BAC?
Bank of Commerce's Total Payout Ratio of 0.00 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 Total Payout Ratio for a Banks company?
A good Total Payout Ratio depends on the Banks industry context. However, Total Payout Ratio 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 Total Payout Ratio mean?
A high Total Payout Ratio can signal that a stock is expensive relative to its fundamentals. Total Payout Ratio is the percent a company has paid to its shareholders through net repurchase of shares and dividends based on its Net Income. View historical data on Bank of Commerce and its competitors. Bank of Commerce's current Total Payout Ratio is 0.00. 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 ₱9.41, compared to a current price of ₱10.46 — trading 11.2% above its estimated fair value. The current Total Payout Ratio is 0.00. Bank of Commerce's overall GF Score™ is 65/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Total Payout Ratio calculated?
Total Payout Ratio is calculated from a company's financial statements. For Bank of Commerce (PHS:BNCOM), the current Total Payout Ratio is 0.00 as of Aug. 13, 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 ₱10.46 is trading 11.2% above its estimated GF Value™ of ₱9.41. GuruFocus considers Bank of Commerce to be Modestly Overvalued.

Key valuation signals for PHS:BNCOM:

  • Total Payout Ratio: 0.00
  • GF Value™: ₱9.41 vs. price of ₱10.46 (11.2% above fair value)
  • GF Score™: 65/100 with 2 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.
65GF Score

Get the complete analysis for PHS:BNCOM

Total Payout Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₱10.46
Price
₱9.41
GF Value