PB
PBB.PS
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Banks
Philippine Business Bank Inc (A Savings Bank)
Last 30 days
1D5D1M3M6MYTD1Y5YMax
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Mcap
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P/E
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EV / Rev
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Div yield
6,27 %
Op margin
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ROE
8,6 %
Net margin
28,4 %
Debt / equity
0,41
Beta
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52w range
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Volume
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Day range
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Prev close
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Open
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Next earnings
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Ex-dividend
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TR 1Y
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About
Philippine Business Bank Inc operates as a savings bank within the Financials sector, generating revenue through commercial banking activities.
Business. Philippine Business Bank Inc (A Savings Bank) is a commercial bank operating within the Banking Services industry group. The company generates revenue primarily through interest income, consistent with standard banking operations. Specific details regarding its operating segments and geographic mix are not available. The company is listed under the ticker PBB.PS.
Classification62 %
SectorFinancials
Business sectorBanking & Investment Services
Industry groupBanking Services
IndustryBanks
ActivityCommercial Banks
Generated · model-assisted
Sell-side consensus
—consensus pending
— buy— hold— sell
Avg 12m price target—
At a glance
Score
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not yet scored
Valuation
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valuation pending
Analysts
—
not yet wired
Ownership
—
not yet wired
Profitability→
8,6 %
return on equity
Quality
—
not yet scored
What drives this business
The watch-list the newsroom runs for this company — derived from its sector path, sharpened layer by layer. Not investment advice.
— missing data
News & coverage
0Sector rotation
Sector1D1Mvs mkt
Materials+2,3 %+6,6 %+1,7 %
Communication Services+2,2 %−5,5 %+1,6 %
Energy+0,6 %+3,3 %+0,0 %
Health Care+0,6 %−0,8 %+0,0 %
Information Technology+0,6 %+6,7 %+0,0 %
Consumer Discretionary+0,4 %+7,6 %−0,2 %
Financials · THIS SECTOR−0,3 %−2,8 %−0,9 %
Consumer Staples−0,4 %+2,5 %−1,0 %
Real Estate−0,7 %+10,9 %−1,3 %
Industrials−1,9 %−3,1 %−2,5 %
Utilities−1,9 %+28,2 %−2,5 %
Developing storylines
No tracked sagas currently linked to PBB.PS. Browse all sagas →
Analysis
AI analysis
Generated · analysis pipeline · tier hybrid · as of 2026-08-04
↑ At a glance
Opportunity
— missing data
Upcoming catalysts
Scheduled public events. Informational only — not investment advice.
- Peers
- DividendDividend USD 1.75/sh2026-09-25 · Bank of America (BAC)
- EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · JPMorgan Chase (JPM)
- EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · Citigroup (C)
- Macro
- Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
- Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
- Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
- Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
- Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
- Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
- Macro & political
- ElectionSE Swedish Election2026-09-14 · SE
- ElectionUS U.S. Midterms2026-11-03 · US
- ElectionFR French Legislative2027-06-01 · FR
Pre-earnings brief
— missing data
Signals & dispatch
peak dispatch · —
Composite-score breakdown
Synthesis
Business
Philippine Business Bank Inc (A Savings Bank) is a commercial bank operating within the Banking Services industry group. The company generates revenue primarily through interest income, consistent with standard banking operations. Specific details regarding its operating segments and geographic mix are not available. The company is listed under the ticker PBB.PS.
Classification62 %
SectorFinancials
Business sectorBanking & Investment Services
Industry groupBanking Services
IndustryBanks
ActivityCommercial Banks
AI synthesis
GENERATED— missing data
Key takeaways
- ROE of 8.62% and ROA of 1.08% indicate moderate profitability on a PHP 7.25 billion revenue base.
- Negative operating cash flow of PHP -2.09 billion contrasts with positive free cash flow of PHP 1.69 billion.
- Debt-to-equity ratio of 0.41 suggests manageable leverage, though net cash is negative after debt subtraction.
- Dilution risk is low with no difference between basic and diluted share counts.
- Liquidity risk is assessed as medium, requiring monitoring of cash flow dynamics.
Bull / Bear case
Generated · model-assistedBULL CASE · 4
Revenue grew 9.7% annually over four years, demonstrating consistent top-line expansion for the savings bank.
Net income compounded at 17.5% annually over four years, indicating strong historical profitability growth.
Total assets grew 8.5% annually over four years, reflecting steady balance sheet expansion.
Free cash flow reached 1.69 billion PHP in the latest period, showing positive cash generation.
BEAR CASE · 4
Equity declined 8.5% year-over-year, signaling a contraction in the bank's capital base.
Cash conversion ratio of -0.70 places the bank in the bottom quartile of its peer cohort.
Long-term debt surged to 8.58 billion PHP in the latest fiscal year, increasing leverage.
The bank faces a medium level of liquidity risk according to internal risk assessments.
In focus — financials by report
Annual
ANNUALFiled 2016-04-14
FY 2016 · Full-year highlights
Revenue PHP 6.42B, +15,8% YoY; Net income +39,1% YoY.
RevenuePHP 6.42B+15,8 % YoY
Operating income—
Net incomePHP 1.82B+39,1 % YoY
Free cash flowPHP 1.60B+26,8 % YoY
EPS—
Operating cash flow-PHP 1.28B+83,2 % YoY
Financials
Income statement
RevenuePHP 6.42B
Gross profit—
Operating income—
Net incomePHP 1.82B
Margins
Gross margin—
Operating margin—
Net margin28.4%
FCF margin24.9%
Balance sheet
Total assetsPHP 154.41B
Total liabilitiesPHP 136.40B
Total equityPHP 18.01B
Cash & equivalents—
Long-term debtPHP 5.21B
Cash flow
Operating cash flow-PHP 1.28B
CapEx-PHP 172.2M
Free cash flowPHP 1.60B
SBC—
P&L flow · revenue → net income
Highlights
- ▍Revenue PHP 6.42B, +15,8% YoY
- ▍Net income +39,1% YoY
- ▍Free cash flow +26,8% YoY
- ▍Net margin 28.4%
ANNUALFiled 2015-04-17
FY 2015 · Full-year highlights
Revenue PHP 5.55B, +0,9% YoY; Net income +12,3% YoY.
RevenuePHP 5.55B+0,9 % YoY
Operating income—
Net incomePHP 1.31B+12,3 % YoY
Free cash flowPHP 1.26B+3,0 % YoY
EPS—
Operating cash flow-PHP 7.62B−136,1 % YoY
Financials
Income statement
RevenuePHP 5.55B
Gross profit—
Operating income—
Net incomePHP 1.31B
Margins
Gross margin—
Operating margin—
Net margin23.6%
FCF margin22.7%
Balance sheet
Total assetsPHP 134.55B
Total liabilitiesPHP 119.97B
Total equityPHP 14.58B
Cash & equivalents—
Long-term debtPHP 1.83B
Cash flow
Operating cash flow-PHP 7.62B
CapEx-PHP 112.2M
Free cash flowPHP 1.26B
SBC—
Highlights
- ▍Revenue PHP 5.55B, +0,9% YoY
- ▍Net income +12,3% YoY
- ▍Free cash flow +3,0% YoY
- ▍Net margin 23.6%
ANNUALFiled 2014-04-15
FY 2014 · Full-year highlights
Revenue PHP 5.50B; Net margin 21.3%.
RevenuePHP 5.50B
Operating income—
Net incomePHP 1.17B
Free cash flowPHP 1.22B
EPS—
Operating cash flowPHP 21.09B
Financials
Income statement
RevenuePHP 5.50B
Gross profit—
Operating income—
Net incomePHP 1.17B
Margins
Gross margin—
Operating margin—
Net margin21.3%
FCF margin22.3%
Balance sheet
Total assetsPHP 132.03B
Total liabilitiesPHP 117.57B
Total equityPHP 14.46B
Cash & equivalents—
Long-term debtPHP 3.25B
Cash flow
Operating cash flowPHP 21.09B
CapEx-PHP 232.0M
Free cash flowPHP 1.22B
SBC—
Highlights
- ▍Revenue PHP 5.50B
- ▍Net margin 21.3%
Valuation FY
Market price
$7,14
Market cap
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Enterprise valueⓘ
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P/Eⓘ
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Non-GAAP P/Eⓘ
—
EV / Revenueⓘ
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EV / Op incomeⓘ
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EV / OCFⓘ
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P / Bⓘ
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P / Tangible bookⓘ
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Tangible book
$21.17B
Net cashⓘ
-$8.58B
Current ratioⓘ
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Debt / equityⓘ
0.4
ROAⓘ
1.1%
ROEⓘ
8.6%
Cash conversionⓘ
-70.0%
CapEx / revenueⓘ
-2.7%
SBC / revenueⓘ
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Dilution ratioⓘ
0.0%
Revenue by segment
Corporate & Institutional Banking—
low · llm_fanout_v2
Private Banking & Wealth Management—
low · llm_fanout_v2
Retail Banking Services—
low · llm_fanout_v2
Wealth Management & Trust Services—
low · llm_fanout_v2
Business relationships
— missing data
Supply chain
— missing data
Peer comparison
— missing data
Market position
Stress test
— missing data
Predictor forecast
Options
— missing data
Short squeeze
— missing data
Earnings-call key lines
— missing data
Estimate revisions
consensus EPS · 26-week trend— missing data
Sell-side observations
— missing data
Themes
— missing data
ESG
— missing data
Risk factors
Dilution riskLow
Liquidity riskMedium
Filing-based flags
- Net cash is negative after subtracting total debt.
Benchmarks vs cohort
Net Margin28,4 %Below median
ROE8,6 %Above median
Capex / Rev-2,7 %Above median
D/E0,41Below median
Cash Conv-0,70Bottom quartile
Corporate actions / M&A
— missing data
FX exposure
— missing data
Comparable transactions
— missing data
Derivatives & instruments
— missing data
Actions
Ask Handelsavisen
— missing data
Data sources
- Market data
- Market data cache
- Issuer disclosures
- Public news
- Earnings transcripts
- Consensus estimates
- ESG data
- Reference data
How metrics are computed
- Return On Equitynet_income / total_equity
- Cash Conversion Ratiooperating_cash_flow / net_income
- Dilution Ratio(shares_outstanding_diluted - shares_outstanding_basic) / shares_outstanding_basic
- Capex To Revenuecapital_expenditure / revenue
- Debt To Equity(short_term_debt + long_term_debt) / total_equity
- Return On Assetsnet_income / total_assets
Source documents
- Philippine Business Bank Inc (A Savings Bank) Market data — financials · 2026-07-08
Ownership & reference
Insider activity
— missing data
Short positioning
— missing data
Geographic breakdown
— missing data
Listings · one canonical issuer
all listings resolve to the canonical
PBB.PSCanonical
— · USD
Intel & risk
peak dispatch · —
OSINT findings
Dilution riskLow
Liquidity riskMedium
Net cash is negative after subtracting total debt.
Relationship graph
This companyPeerSector
Evidence & claims
From filings & derived data— missing data
The Thread
Everything we know, in order2016-04-14 12:07 UTCEARNINGSAnnual results — FY 2016 Revenue PHP 6.42B · Net PHP 1.82B
2015-04-17 00:36 UTCEARNINGSAnnual results — FY 2015 Revenue PHP 5.55B · Net PHP 1.31B
2014-04-15 18:21 UTCEARNINGSAnnual results — FY 2014 Revenue PHP 5.50B · Net PHP 1.17B
The entity's full life in the product — typed, chronological, joined across Newspaper, Platform and Data. Our memory, made visible.
Sources filings · IR · transcripts · market data · tier hybrid · as of 2026-08-04
Market data · Issuer disclosures · Public news · Earnings transcripts · Consensus estimates · ESG data · Reference data
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