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 consumer loans such as home loans, auto loans, and personal loans as well as investment services and wealth management, SME (small-medium enterprises) loans, and corporate loans. 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, and commissions.

Financial Strength

2/10

Name	Current	Vs Industry	Vs History
Cash-To-Debt	0.89
Equity-to-Asset	0.12
Debt-to-Equity	0.76
Debt-to-EBITDA	N/A	N/A	N/A
Interest Coverage	N/A	N/A	N/A
Piotroski F-Score	8/9	0 1 2 3 4 5 6 7 8 9
Beneish M-Score	-2.25	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

1/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	0.5
	3-Year EPS without NRI Growth Rate	18
	3-Year FCF Growth Rate	-24.7
	3-Year Book Growth Rate	12.1

Momentum Rank

1/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	99.43
	9-Day RSI	92.85
	14-Day RSI	78.36
	6-1 Month Momentum %	6.89
	12-1 Month Momentum %	10.54

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Shareholder Yield %	-18.69

Profitability Rank

5/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	34.19
	FCF Margin %	57.24
	ROE %	13.23
	ROA %	1.62
	Years of Profitability over Past 10-Year	10

GF Value Rank

7/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	3.2
	PE Ratio without NRI	3.19
	Shiller PE Ratio	6.07
	Price-to-Owner-Earnings	2.02
	PEG Ratio	0.28
	PS Ratio	1.09
	PB Ratio	0.39
	Price-to-Tangible-Book	0.41
	Price-to-Free-Cash-Flow	1.9
	Price-to-Operating-Cash-Flow	1.87
	EV-to-Revenue	1.36
	EV-to-FCF	2.32
	Price-to-Projected-FCF	0.13
	Price-to-Median-PS-Value	0.51
	Price-to-Peter-Lynch-Fair-Value	0.29
	Price-to-Graham-Number	0.24
	FCF Yield %	52.32
	Forward Rate of Return (Yacktman) %	68.6

Financials

Annual Quarterly TTM

PHS:PBC's 30-Y Financials

AAPL

Income Statement Breakdown FY

Annual Quarterly

No Enough Data

AAPL

Balance Sheet Breakdown

Annual Quarterly

No Enough Data

AAPL

Cashflow Statement Breakdown

Annual Quarterly

No Enough Data

Historical Operating Revenue by Business Segment

Value % YoY

Historical Operating Revenue by Geographic Region

Value % YoY

See Details

5-Step DuPont Analysis as of

Annual Quarterly

No Enough Data

Guru Trades

See Details

Insider Trades

See Details

Peter Lynch Chart

Y-axis scale:

Log Linear

Interactive Chart

Performance

Dividend

Log

Bar

Annualized Return %

Symbol	1 Week	1 Month	3 Months	6 Months	YTD	1 Year	3 Years	5 Years	10 Years

Total Annual Return %

Symbol	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016

Philippine Bank of Communications Executives

Details

GF Value: ₱19.34

PHS:PBC

Valuation Chart

Year:

Warning Signs

Warning! GuruFocus detected 2 Severe warning signs with PBC. Try a 7-Day Free Trial to check it out.

Analyst Estimate

Annual Quarterly

Key Statistics

	Name	Value
	Revenue (TTM) (Mil ₱)	6,985.6
	EPS (TTM) (₱)	4.97
	Beta	-0.01
	Volatility %	42.28
	14-Day RSI	78.36
	14-Day ATR (₱)	0.05171
	20-Day SMA (₱)	15.883
	12-1 Month Momentum %	10.54
	52-Week Range (₱)	14.04 - 17.88
	Shares Outstanding (Mil)	480.65

Piotroski F-Score Details

Year:

	Component	Result
	Piotroski F-Score	8
	Positive ROA
	Positive CFROA
	Higher ROA yoy
	CFROA > ROA
	Lower Leverage yoy
	Higher Current Ratio yoy
	Less Shares Outstanding yoy
	Higher Gross Margin yoy
	Higher Asset Turnover yoy

Philippine Bank of Communications Filings

10-K10-QForm 4Others

	Filing Date	Document Date	Form
No Filing Data

Philippine Bank of Communications Stock Events

Financials Calendars

	Event	Date	Price(₱)
No Event Data

Philippine Bank of Communications Frequently Asked Questions

What is Philippine Bank of Communications(PHS:PBC)'s stock price today?

The current price of PHS:PBC is ₱16.30. The 52 week high of PHS:PBC is ₱17.88 and 52 week low is ₱14.04.

When is next earnings date of Philippine Bank of Communications(PHS:PBC)?

The next earnings date of Philippine Bank of Communications(PHS:PBC) is .

Does Philippine Bank of Communications(PHS:PBC) pay dividends? If so, how much?

Philippine Bank of Communications(PHS:PBC) does not pay dividend.

Press Release

	Subject	Date
No Press Release

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