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Philippinevings BankPHS:PSB -1.22%57 5-Year Yield-on-Cost % is 5.80 as of Aug. 03, 2026, which is 9% above its 10-year median of 5.33. GuruFocus rates PHS:PSB with a GF Score™ of 57/100 and a GF Value™ of ₱59.74 (Modestly Undervalued). The stock has 1 warning sign investors should review. Among 1,252 Banks companies, Philippinevings Bank ranks better than 71.01% on this metric.
Philippinevings Bank's yield on cost for the quarter that ended in Mar. 2026 was 5.80.
The historical rank and industry rank for Philippinevings Bank's 5-Year Yield-on-Cost % or its related term are showing as below:
PHS:PSB'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 3.37 Med: 5.33 Max: 7.63
Current: 5.8
During the past 13 years, Philippinevings Bank's highest Yield on Cost was 7.63. The lowest was 3.37. And the median was 5.33.
PHS:PSB's 5-Year Yield-on-Cost % is ranked better than 71.01% of 1252
companies
in the Banks industry
Industry Median: 3.825
vs PHS:PSB: 5.80
Philippinevings Bank (PHS:PSB) 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.
Philippinevings Bank 5-Year Yield-on-Cost % Related Terms
Philippinevings Bank 5-Year Yield-on-Cost % Competitor Comparison
For the Banks - Regional subindustry, Philippinevings 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.
Philippinevings Bank 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Philippinevings Bank's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Philippinevings Bank's 5-Year Yield-on-Cost % falls into.
Philippinevings 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.
Philippinevings Bank (PHS:PSB) has a 5-Year Yield-on-Cost % of 5.80 as of Aug. 03, 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 Philippinevings Bank and its competitors. This is near median its historical median of 5.33. Over the past decade, Philippinevings Bank's 5-Year Yield-on-Cost % has ranged from 3.37 to 7.63. According to the industry distribution chart, Philippinevings Bank ranks #363 out of 1252 companies in the Banks industry, placing it in the top 29%.
Is Philippinevings Bank's 5-Year Yield-on-Cost % too high?
Philippinevings Bank's current 5-Year Yield-on-Cost % of 5.80 is near median its 10-year median of 5.33. Over the past 10 years, this metric has ranged from a low of 3.37 to a high of 7.63. The Banks industry median 5-Year Yield-on-Cost % is 3.83. Philippinevings Bank's value of 5.80 is 51.6% above this industry median. Based on the distribution chart, Philippinevings Bank ranks #363 out of 1252 companies in the Banks industry, which is above the industry midpoint. Overall, Philippinevings Bank has a GF Score™ of 57/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Philippinevings Bank's 5-Year Yield-on-Cost % compare to competitors?
According to the Banks industry distribution chart, Philippinevings Bank ranks #363 out of 1252 companies for 5-Year Yield-on-Cost %. This puts Philippinevings Bank in the upper half of its industry. The industry median 5-Year Yield-on-Cost % is 3.83. Philippinevings Bank's value of 5.80 is 51.6% above this benchmark. Historically, Philippinevings Bank's own 5-Year Yield-on-Cost % has ranged from 3.37 to 7.63 over the past decade. While the company's 10-year median is 5.33 vs. the industry median of 3.83, Philippinevings 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 3.83, based on 1,252 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. Philippinevings Bank's current 5-Year Yield-on-Cost % of 5.80 is 51.6% 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 Philippinevings Bank and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.83 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Philippinevings Bank's current 5-Year Yield-on-Cost % is 5.80, which is near median its own 10-year median of 5.33. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Philippinevings Bank stock overvalued right now?
Based on GuruFocus' analysis, Philippinevings Bank (PHS:PSB) is currently considered Modestly Undervalued. The stock's GF Value™ is ₱59.74, compared to a current price of ₱52.90 — trading 11.4% below its estimated fair value. The current 5-Year Yield-on-Cost % is 5.80, which is near median its 10-year median of 5.33 and 51.6% above the Banks industry median of 3.83. Philippinevings Bank's overall GF Score™ is 57/100 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 Philippinevings Bank (PHS:PSB), the current 5-Year Yield-on-Cost % is 5.80 as of Aug. 03, 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 Philippinevings Bank (PHS:PSB) Overvalued in 2026?
Based on GuruFocus' analysis, Philippinevings Bank stock appears to be undervalued.
The current stock price of ₱52.90 is trading 11.4% below its estimated GF Value™ of ₱59.74.
GuruFocus considers Philippinevings Bank to be Modestly Undervalued.
Key valuation signals for PHS:PSB:
5-Year Yield-on-Cost %: 5.80 (near median its 10-year median of 5.33)
GF Value™: ₱59.74 vs. price of ₱52.90 (11.4% below fair value)
Industry Position: 51.6% above the Banks median (#363 of 1252)
No single metric tells the full story. See the PHS:PSB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Philippine Savings Bank is a Philippines-based consumer banking company. Its services can be summed up as deposits, loans, treasury, and trust functions offered to the consumer and commercial market. The company's reportable segments are Consumer Banking, Corporate Banking, Branch Banking, and Treasury. Maximum revenue is generated from the Branch Banking segment, which serves as the bank's main customer touch point, offering consumer and corporate banking products. The Consumer and Corporate Banking segments provide loans and other credit facilities to individuals, small and medium enterprises, and corporate and institutional customers. The Treasury segment principally handles institutional deposit accounts, providing money market, trading, and treasury services etc.
57GF 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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