Security BankPHS:SECB -1.28%86 5-Year Yield-on-Cost % is 7.18 as of Jul. 01, 2026, which is 158% above its 10-year median of 2.78. GuruFocus rates PHS:SECB with a GF Score™ of 86/100 and a GF Value™ of ₱100.90 (Significantly Undervalued). The stock has 1 warning sign investors should review. Among 1,250 Banks companies, Security Bank ranks better than 78.32% on this metric.
Security Bank's yield on cost for the quarter that ended in Mar. 2026 was 7.18.
The historical rank and industry rank for Security Bank's 5-Year Yield-on-Cost % or its related term are showing as below:
PHS:SECB'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.64 Med: 2.78 Max: 7.94
Current: 7.18
During the past 13 years, Security Bank's highest Yield on Cost was 7.94. The lowest was 0.64. And the median was 2.78.
PHS:SECB's 5-Year Yield-on-Cost % is ranked better than 78.32% of 1250
companies
in the Banks industry
Industry Median: 3.94
vs PHS:SECB: 7.18
Security Bank (PHS:SECB) 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.
Security Bank 5-Year Yield-on-Cost % Related Terms
Security Bank 5-Year Yield-on-Cost % Competitor Comparison
For the Banks - Regional subindustry, Security 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.
Security Bank 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Security Bank's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Security Bank's 5-Year Yield-on-Cost % falls into.
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.
Therefore, Yield-on-Cost of Security Bank is calculated as
Security Bank (PHS:SECB) has a 5-Year Yield-on-Cost % of 7.18 as of Jul. 01, 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 Security Bank and its competitors. This is 158% above median its historical median of 2.78. Over the past decade, Security Bank's 5-Year Yield-on-Cost % has ranged from 0.64 to 7.94. According to the industry distribution chart, Security Bank ranks #271 out of 1250 companies in the Banks industry, placing it in the top 21.7%.
Is Security Bank's 5-Year Yield-on-Cost % too high?
Security Bank's current 5-Year Yield-on-Cost % of 7.18 is 158% above median its 10-year median of 2.78. Over the past 10 years, this metric has ranged from a low of 0.64 to a high of 7.94. The Banks industry median 5-Year Yield-on-Cost % is 3.94. Security Bank's value of 7.18 is 82.2% above this industry median. Based on the distribution chart, Security Bank ranks #271 out of 1250 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Security Bank has a GF Score™ of 86/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Security Bank's 5-Year Yield-on-Cost % compare to competitors?
According to the Banks industry distribution chart, Security Bank ranks #271 out of 1250 companies for 5-Year Yield-on-Cost %. This places Security Bank in the top 22% of its industry — outperforming the majority of peers. The industry median 5-Year Yield-on-Cost % is 3.94. Security Bank's value of 7.18 is 82.2% above this benchmark. Historically, Security Bank's own 5-Year Yield-on-Cost % has ranged from 0.64 to 7.94 over the past decade. While the company's 10-year median is 2.78 vs. the industry median of 3.94, Security 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 3.94, based on 1,250 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. Security Bank's current 5-Year Yield-on-Cost % of 7.18 is 82.2% 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 Security Bank and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.94 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Security Bank's current 5-Year Yield-on-Cost % is 7.18, which is 158% above median its own 10-year median of 2.78. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Security Bank stock overvalued right now?
Based on GuruFocus' analysis, Security Bank (PHS:SECB) is currently considered Significantly Undervalued. The stock's GF Value™ is ₱100.90, compared to a current price of ₱65.50 — trading 35.1% below its estimated fair value. The current 5-Year Yield-on-Cost % is 7.18, which is 158% above median its 10-year median of 2.78 and 82.2% above the Banks industry median of 3.94. Security Bank's overall GF Score™ is 86/100 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 Security Bank (PHS:SECB), the current 5-Year Yield-on-Cost % is 7.18 as of Jul. 01, 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 Security Bank (PHS:SECB) Overvalued in 2026?
Based on GuruFocus' analysis, Security Bank stock appears to be undervalued.
The current stock price of ₱65.50 is trading 35.1% below its estimated GF Value™ of ₱100.90.
GuruFocus considers Security Bank to be Significantly Undervalued.
Key valuation signals for PHS:SECB:
5-Year Yield-on-Cost %: 7.18 (158% above median its 10-year median of 2.78)
GF Value™: ₱100.90 vs. price of ₱65.50 (35.1% below fair value)
Industry Position: 82.2% above the Banks median (#271 of 1250)
No single metric tells the full story. See the PHS:SECB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Security Bank Corp is engaged in banking. It operates in four segments: the Financial Markets Segment focuses on providing the money market, foreign exchange, financial derivatives, securities distribution, asset management, trust, and fiduciary services; the Wholesale Banking Segment addresses the corporate, institutional, and public sector markets and commercial clients. Services include relationship management, lending and other credit facilities, trade, cash management, deposit-taking, and leasing services; the Retail Banking Segment addresses individual, retail, and small businesses; the Business Banking segment covers deposit-taking and servicing, consumer loans, credit card facilities, and bancassurance; and All Other Segments include other support services.
86GF Score
Get the complete analysis for PHS:SECB
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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