PNB.PSE Philippine National Bank

Financials Consumer Finance Philippine Stock Exchange
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80.00 PHP
Close of Oct 30, 2026
47.06 83.90
Market cap
PHP 30.1B
P/E
-
P/B
-
ROE
10.7%
Dividend yield
-
Fundamental score
2.1/5

Ratios use the latest price and the current fiscal year annualized from 3 quarters up to Sep 2025.

Is PNB.PSE undervalued?

Graham number

The Graham number of Philippine National Bank cannot be estimated reliably (it needs positive earnings and book value).

Graham number = √(22.5 × EPS × book value per share): the most a defensive investor should pay according to Benjamin Graham. An estimate, not a recommendation to buy or sell. How is it calculated?

Philippine National Bank fundamental analysis

8 of 18 checks passed

ROE 1/2

Moderate return on equity (10.7%), between 10% and 20%.

ROA 1/1

Return on assets (2.0%) is above the industry median (1.6%).

Profit Consistency 2/2

Profitable for 10 consecutive years.

Earnings Growth 5Y 1/1

Earnings per share grew over the past 5 years.

Earnings Acceleration 1/1

Last year's EPS growth (17.1%) is above the 5-year average (16.8% a year).

Earnings Growth vs Industry 1/1

Last year's EPS growth (17.1%) is above the industry median (14.9%).

Revenue Growth 0/2

Revenue did not grow over the past 3 years or is not reported.

Leverage 2/2

Total assets are 5.4x equity, within a prudent level for a financial company.

Equity Growth 1/1

Shareholders' equity grew over the past 5 years.

PE vs Market 0/1

PE is negative or not available.

PE vs Industry 0/1

PE is negative or not available.

PBV 0/1

Price to book is negative or not available.

Graham Number 0/1

Graham number needs positive earnings and book value.

PEG 0/1

PEG needs positive PE and positive 5-year earnings growth.

Dividend Yield 0/2

No dividend paid in the last reported year.

Dividend Stability 0/2

Dividends were not paid steadily for the past 5 years.

Dividend Growth 0/1

Dividends paid did not grow over the past 5 years.

Payout Ratio 0/1

No dividend, or no profit to pay it from.

Each check is worth 1 or 2 points by how much it says about the quality of the company. The score is the share of points earned, out of 5. Ask AI to explain this score

Philippine National Bank stock price

Prices on the chart can differ slightly from the closing prices StockSummer uses for its ratios.