Philippine Business Bank engages in the business of thrift banking. It provides banking and financial services. 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.

Financial Strength

3/10

Name	Current	Vs Industry	Vs History
Cash-To-Debt	1.46
Equity-to-Asset	0.12
Debt-to-Equity	0.29
Debt-to-EBITDA	N/A	N/A	N/A
Interest Coverage	N/A	N/A	N/A
Piotroski F-Score	5/9	0 1 2 3 4 5 6 7 8 9
Beneish M-Score	-2.28	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

3/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	-4.3
	3-Year EPS without NRI Growth Rate	14
	3-Year FCF Growth Rate	36.7
	3-Year Book Growth Rate	1

Momentum Rank

10/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	27.35
	9-Day RSI	36.13
	14-Day RSI	38.92
	6-1 Month Momentum %	4.02
	12-1 Month Momentum %	18.92

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Dividend Yield %	5.07
	Dividend Payout Ratio	0.28
	Forward Dividend Yield %	5.07
	5-Year Yield-on-Cost %	5.07
	3-Year Average Share Buyback Ratio	-8.3
	Shareholder Yield %	-28.78

Profitability Rank

6/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	26.38
	FCF Margin %	-53.37
	ROE %	11.16
	ROA %	1.35
	Years of Profitability over Past 10-Year	10

GF Value Rank

5/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	2.94
	PE Ratio without NRI	2.94
	Shiller PE Ratio	5.04
	PEG Ratio	0.61
	PS Ratio	0.87
	PB Ratio	0.38
	Price-to-Tangible-Book	0.39
	EV-to-Revenue	0.72
	EV-to-FCF	-1.35
	Price-to-Projected-FCF	0.22
	Price-to-DCF (Earnings Based)	0.18
	Price-to-Median-PS-Value	0.47
	Price-to-Graham-Number	0.23
	FCF Yield %	-55.34
	Forward Rate of Return (Yacktman) %	27.28

GF Value: ₱8.99

PHS:PBB

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