Philippine Business BankPHS:PBB 62 5-Year Yield-on-Cost % is 6.38 as of Jul. 04, 2026, which is 23% above its 10-year median of 5.17. GuruFocus rates PHS:PBB with a GF Score™ of 62/100 and a GF Value™ of ₱8.69 (Modestly Undervalued). The stock has 1 warning sign investors should review. Among 1,251 Banks companies, Philippine Business Bank ranks better than 74.1% on this metric.
The historical rank and industry rank for Philippine Business Bank's 5-Year Yield-on-Cost % or its related term are showing as below:
PHS:PBB'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 3.89 Med: 5.17 Max: 10
Current: 6.38
During the past 13 years, Philippine Business Bank's highest Yield on Cost was 10.00. The lowest was 3.89. And the median was 5.17.
PHS:PBB's 5-Year Yield-on-Cost % is ranked better than 74.1% of 1251
companies
in the Banks industry
Industry Median: 3.93
vs PHS:PBB: 6.38
Philippine Business Bank (PHS:PBB) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Philippine Business Bank 5-Year Yield-on-Cost % Related Terms
PHS:PBB vs PNC, USB: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, Philippine Business Bank's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 Business Bank 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Philippine Business Bank's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Philippine Business Bank's 5-Year Yield-on-Cost % falls into.
Philippine Business Bank 5-Year Yield-on-Cost % Calculation
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Philippine Business Bank (PHS:PBB) has a 5-Year Yield-on-Cost % of 6.38 as of Jul. 04, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Philippine Business Bank and its competitors. This is 23% above median its historical median of 5.17. Over the past decade, Philippine Business Bank's 5-Year Yield-on-Cost % has ranged from 3.89 to 10.00. According to the industry distribution chart, Philippine Business Bank ranks #324 out of 1251 companies in the Banks industry, placing it in the top 25.9%.
Is Philippine Business Bank's 5-Year Yield-on-Cost % too high?
Philippine Business Bank's current 5-Year Yield-on-Cost % of 6.38 is 23% above median its 10-year median of 5.17. Over the past 10 years, this metric has ranged from a low of 3.89 to a high of 10.00. The Banks industry median 5-Year Yield-on-Cost % is 3.93. Philippine Business Bank's value of 6.38 is 62.3% above this industry median. Based on the distribution chart, Philippine Business Bank ranks #324 out of 1251 companies in the Banks industry, which is above the industry midpoint. 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 5-Year Yield-on-Cost % compare to PNC and USB?
According to the Banks industry distribution chart, Philippine Business Bank ranks #324 out of 1251 companies for 5-Year Yield-on-Cost %. This puts Philippine Business Bank in the upper half of its industry. The industry median 5-Year Yield-on-Cost % is 3.93. Philippine Business Bank's value of 6.38 is 62.3% above this benchmark. Historically, Philippine Business Bank's own 5-Year Yield-on-Cost % has ranged from 3.89 to 10.00 over the past decade. While the company's 10-year median is 5.17 vs. the industry median of 3.93, Philippine Business Bank has consistently been above 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.93, based on 1,251 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Philippine Business Bank's current 5-Year Yield-on-Cost % of 6.38 is 62.3% above 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Philippine Business Bank and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.93 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Philippine Business Bank's current 5-Year Yield-on-Cost % is 6.38, which is 23% above median its own 10-year median of 5.17. 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 ₱7.05 — trading 18.9% below its estimated fair value. The current 5-Year Yield-on-Cost % is 6.38, which is 23% above median its 10-year median of 5.17 and 62.3% above the Banks industry median of 3.93. Philippine Business Bank's overall GF Score™ is 62/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Philippine Business Bank (PHS:PBB), the current 5-Year Yield-on-Cost % is 6.38 as of Jul. 04, 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 ₱7.05 is trading 18.9% below its estimated GF Value™ of ₱8.69.
GuruFocus considers Philippine Business Bank to be Modestly Undervalued.
Key valuation signals for PHS:PBB:
5-Year Yield-on-Cost %: 6.38 (23% above median its 10-year median of 5.17)
GF Value™: ₱8.69 vs. price of ₱7.05 (18.9% below fair value)
Industry Position: 62.3% above the Banks median (#324 of 1251)
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 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
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5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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