Philippine National Bank (PSE:PNB)

Philippine National Bank Statistics

Total Valuation

PSE:PNB has a market cap or net worth of PHP 98.49 billion.

Market Cap	98.49B
Enterprise Value	n/a

Important Dates

The next estimated earnings date is Friday, February 27, 2026.

Earnings Date	Feb 27, 2026
Ex-Dividend Date	Sep 12, 2025

Share Statistics

PSE:PNB has 1.53 billion shares outstanding.

Current Share Class	1.53B
Shares Outstanding	1.53B
Shares Change (YoY)	n/a
Shares Change (QoQ)	-0.15%
Owned by Insiders (%)	0.72%
Owned by Institutions (%)	2.74%
Float	271.78M

Valuation Ratios

The trailing PE ratio is 3.90 and the forward PE ratio is 4.03.

PE Ratio	3.90
Forward PE	4.03
PS Ratio	1.56
PB Ratio	0.41
P/TBV Ratio	0.44
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	n/a
EV / Sales	n/a
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	-0.44
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 11.09%.

Return on Equity (ROE)	11.09%
Return on Assets (ROA)	1.93%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Weighted Average Cost of Capital (WACC)	4.81%
Revenue Per Employee	7.61M
Profits Per Employee	3.04M
Employee Count	8,318
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, PSE:PNB has paid 6.83 billion in taxes.

Income Tax	6.83B
Effective Tax Rate	21.24%

Stock Price Statistics

The stock price has increased by +108.68% in the last 52 weeks. The beta is 0.46, so PSE:PNB's price volatility has been lower than the market average.

Beta (5Y)	0.46
52-Week Price Change	+108.68%
50-Day Moving Average	58.69
200-Day Moving Average	55.17
Relative Strength Index (RSI)	61.44
Average Volume (20 Days)	589,349

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	n/a

Income Statement

In the last 12 months, PSE:PNB had revenue of PHP 63.26 billion and earned 25.26 billion in profits. Earnings per share was 16.55.

Revenue	63.26B
Gross Profit	63.21B
Operating Income	32.47B
Pretax Income	32.17B
Net Income	25.26B
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	16.55

Balance Sheet

The company has 203.49 billion in cash and 40.83 billion in debt, with a net cash position of 162.66 billion or 106.61 per share.

Cash & Cash Equivalents	203.49B
Total Debt	40.83B
Net Cash	162.66B
Net Cash Per Share	106.61
Equity (Book Value)	240.28B
Book Value Per Share	154.91
Working Capital	-806.02B

Cash Flow

In the last 12 months, operating cash flow was -91.79 billion and capital expenditures -750.18 million, giving a free cash flow of -92.54 billion.

Operating Cash Flow	-91.79B
Capital Expenditures	-750.18M
Free Cash Flow	-92.54B
FCF Per Share	-60.65

Margins

Gross Margin	n/a
Operating Margin	51.33%
Pretax Margin	50.86%
Profit Margin	39.92%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of 2.76, which amounts to a dividend yield of 4.35%.

Dividend Per Share	2.76
Dividend Yield	4.35%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	1
Payout Ratio	16.67%
Buyback Yield	n/a
Shareholder Yield	4.35%
Earnings Yield	25.64%
FCF Yield	-93.96%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

The last stock split was on April 28, 1997. It was a forward split with a ratio of 1.375.

Last Split Date	Apr 28, 1997
Split Type	Forward
Split Ratio	1.375

Scores

Altman Z-Score	n/a
Piotroski F-Score	2