Philippine Savings Bank（PSB）株式概要フィリピン貯蓄銀行は主にフィリピンで貯蓄銀行業務と住宅ローン銀行業務を行っている。 詳細PSB ファンダメンタル分析スノーフレーク・スコア評価3/6将来の成長0/6過去の実績2/6財務の健全性6/6配当金4/6報酬当社が推定した公正価値より22.3%で取引されている 5.69%の安定した配当金を支払う リスク分析利益率(24.3%)は昨年より低い(34.9%) すべてのリスクチェックを見るPSB Community Fair Values Create NarrativeSee what 39 others think this stock is worth. Follow their fair value or set your own to get alerts.NEW479,957 membersJoin community and earn perksGain real feedbackFrom our editorial team, personally. Not silence.Grow your followingReal investors. The kind who actually invest, not scroll past.Unlock free accessFree premium subscription for consistent and quality authors.Learn moreCreate NarrativeBLINRODA479,957 investors already sharing narrativesYour Fair Value₱Current Price₱52.7038.4% 割高 内在価値ディスカウントGrowth estimate overAnnual revenue growth rate5 Yearstime period%/yrDecreaseIncreasePastFuture017b2016201920222025202620282031Revenue ₱17.5bEarnings ₱4.2bAdvancedSet Fair ValueView all narrativesPhilippine Savings Bank 競合他社Philippine Business BankSymbol: PSE:PBBMarket cap: ₱5.7bAsia United BankSymbol: PSE:AUBMarket cap: ₱70.5bEast West BankingSymbol: PSE:EWMarket cap: ₱26.5bBank of CommerceSymbol: PSE:BNCOMMarket cap: ₱14.7b価格と性能株価の高値、安値、推移の概要Philippine Savings Bank過去の株価現在の株価₱52.7052週高値₱58.9552週安値₱50.80ベータ0.0541ヶ月の変化-0.28%3ヶ月変化-7.54%1年変化-9.91%3年間の変化-8.98%5年間の変化-4.87%IPOからの変化12.92%最新ニュースDeclared Dividend • Jul 20First quarter dividend of ₱0.75 announcedDividend of ₱0.75 is the same as last year. Ex-date: 30th July 2026 Payment date: 17th August 2026 Dividend yield will be 5.7%, which is higher than the industry average of 3.1%. Sustainability & Growth The dividend has increased by an average of 1.1% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. Earnings per share has grown by 29% over the last 5 years. Unless this trend reverses, it should provide support to the dividend and adequate earnings cover.Buy Or Sell Opportunity • Jun 11Now 21% undervalued after recent price dropOver the last 90 days, the stock has fallen 6.2% to ₱53.00. The fair value is estimated to be ₱66.92, however this is not to be taken as a buy recommendation but rather should be used as a guide only.Reported Earnings • May 16First quarter 2026 earnings released: EPS: ₱2.21 (vs ₱2.84 in 1Q 2025)First quarter 2026 results: EPS: ₱2.21 (down from ₱2.84 in 1Q 2025). Revenue: ₱3.38b (down 6.1% from 1Q 2025). Net income: ₱944.3m (down 22% from 1Q 2025). Profit margin: 28% (down from 34% in 1Q 2025). The decrease in margin was primarily driven by lower revenue. Over the last 3 years on average, earnings per share has fallen by 2% per year whereas the company’s share price has remained flat.Board Change • May 01High number of new directorsThere are 5 new directors who have joined the board in the last 3 years. Independent Director Teh Opinion was the last director to join the board, commencing their role in 2026. The company’s lack of board continuity is considered a risk according to the Simply Wall St Risk Model.Declared Dividend • Apr 26Fourth quarter dividend of ₱0.75 announcedDividend of ₱0.75 is the same as last year. Ex-date: 8th May 2026 Payment date: 25th May 2026 Dividend yield will be 5.3%, which is higher than the industry average of 3.1%. Sustainability & Growth The dividend has increased by an average of 1.1% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. Earnings per share has grown by 26% over the last 5 years. Unless this trend reverses, it should provide support to the dividend and adequate earnings cover.Buy Or Sell Opportunity • Apr 23Now 21% undervalued after recent price dropOver the last 90 days, the stock has fallen 3.6% to ₱55.80. The fair value is estimated to be ₱70.62, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has been flat over the last 3 years. Earnings per share has grown by 4.1%.最新情報をもっと見るRecent updatesDeclared Dividend • Jul 20First quarter dividend of ₱0.75 announcedDividend of ₱0.75 is the same as last year. Ex-date: 30th July 2026 Payment date: 17th August 2026 Dividend yield will be 5.7%, which is higher than the industry average of 3.1%. Sustainability & Growth The dividend has increased by an average of 1.1% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. Earnings per share has grown by 29% over the last 5 years. Unless this trend reverses, it should provide support to the dividend and adequate earnings cover.Buy Or Sell Opportunity • Jun 11Now 21% undervalued after recent price dropOver the last 90 days, the stock has fallen 6.2% to ₱53.00. The fair value is estimated to be ₱66.92, however this is not to be taken as a buy recommendation but rather should be used as a guide only.Reported Earnings • May 16First quarter 2026 earnings released: EPS: ₱2.21 (vs ₱2.84 in 1Q 2025)First quarter 2026 results: EPS: ₱2.21 (down from ₱2.84 in 1Q 2025). Revenue: ₱3.38b (down 6.1% from 1Q 2025). Net income: ₱944.3m (down 22% from 1Q 2025). Profit margin: 28% (down from 34% in 1Q 2025). The decrease in margin was primarily driven by lower revenue. Over the last 3 years on average, earnings per share has fallen by 2% per year whereas the company’s share price has remained flat.Board Change • May 01High number of new directorsThere are 5 new directors who have joined the board in the last 3 years. Independent Director Teh Opinion was the last director to join the board, commencing their role in 2026. The company’s lack of board continuity is considered a risk according to the Simply Wall St Risk Model.Declared Dividend • Apr 26Fourth quarter dividend of ₱0.75 announcedDividend of ₱0.75 is the same as last year. Ex-date: 8th May 2026 Payment date: 25th May 2026 Dividend yield will be 5.3%, which is higher than the industry average of 3.1%. Sustainability & Growth The dividend has increased by an average of 1.1% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. Earnings per share has grown by 26% over the last 5 years. Unless this trend reverses, it should provide support to the dividend and adequate earnings cover.Buy Or Sell Opportunity • Apr 23Now 21% undervalued after recent price dropOver the last 90 days, the stock has fallen 3.6% to ₱55.80. The fair value is estimated to be ₱70.62, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has been flat over the last 3 years. Earnings per share has grown by 4.1%.Buy Or Sell Opportunity • Apr 08Now 21% undervaluedThe stock has been flat over the last 90 days, currently trading at ₱56.20. The fair value is estimated to be ₱70.70, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has been flat over the last 3 years. Earnings per share has grown by 4.1%.Reported Earnings • Mar 17Full year 2025 earnings released: EPS: ₱8.20 (vs ₱12.20 in FY 2024)Full year 2025 results: EPS: ₱8.20 (down from ₱12.20 in FY 2024). Revenue: ₱13.6b (down 10% from FY 2024). Net income: ₱3.50b (down 33% from FY 2024). Profit margin: 26% (down from 34% in FY 2024). The decrease in margin was primarily driven by lower revenue. Over the last 3 years on average, earnings per share has increased by 4% per year whereas the company’s share price has remained flat.Buy Or Sell Opportunity • Mar 11Now 20% undervaluedOver the last 90 days, the stock has risen 3.7% to ₱57.00. The fair value is estimated to be ₱71.55, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 2.9% over the last 3 years. Earnings per share has grown by 11%.Buy Or Sell Opportunity • Feb 24Now 20% undervaluedOver the last 90 days, the stock has risen 3.6% to ₱56.80. The fair value is estimated to be ₱71.11, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 2.9% over the last 3 years. Earnings per share has grown by 11%.Declared Dividend • Jan 18Third quarter dividend of ₱0.75 announcedDividend of ₱0.75 is the same as last year. Ex-date: 29th January 2026 Payment date: 16th February 2026 Dividend yield will be 5.2%, which is higher than the industry average of 3.1%. Sustainability & Growth The dividend has increased by an average of 1.1% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. Earnings per share has grown by 13% over the last 5 years. Unless this trend reverses, it should provide support to the dividend and adequate earnings cover.お知らせ • Jan 16+ 1 more updatePhilippine Savings Bank, Annual General Meeting, Apr 23, 2026Philippine Savings Bank, Annual General Meeting, Apr 23, 2026.Reported Earnings • Nov 18Third quarter 2025 earnings released: EPS: ₱1.60 (vs ₱3.37 in 3Q 2024)Third quarter 2025 results: EPS: ₱1.60 (down from ₱3.37 in 3Q 2024). Revenue: ₱3.27b (down 14% from 3Q 2024). Net income: ₱681.4m (down 53% from 3Q 2024). Profit margin: 21% (down from 38% in 3Q 2024). The decrease in margin was primarily driven by lower revenue. Over the last 3 years on average, earnings per share has increased by 11% per year but the company’s share price has fallen by 3% per year, which means it is significantly lagging earnings.Buy Or Sell Opportunity • Nov 07Now 24% undervalued after recent price dropOver the last 90 days, the stock has fallen 9.9% to ₱52.55. The fair value is estimated to be ₱68.79, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 3.4% over the last 3 years. Earnings per share has grown by 19%.Declared Dividend • Oct 26Second quarter dividend of ₱0.75 announcedDividend of ₱0.75 is the same as last year. Ex-date: 7th November 2025 Payment date: 24th November 2025 Dividend yield will be 5.3%, which is higher than the industry average of 3.1%. Sustainability & Growth The dividend has increased by an average of 1.1% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. Earnings per share has grown by 10% over the last 5 years. Unless this trend reverses, it should provide support to the dividend and adequate earnings cover.Reported Earnings • Aug 16Second quarter 2025 earnings released: EPS: ₱2.23 (vs ₱3.19 in 2Q 2024)Second quarter 2025 results: EPS: ₱2.23 (down from ₱3.19 in 2Q 2024). Revenue: ₱3.38b (down 6.6% from 2Q 2024). Net income: ₱953.6m (down 30% from 2Q 2024). Profit margin: 28% (down from 38% in 2Q 2024). The decrease in margin was primarily driven by higher expenses. Over the last 3 years on average, earnings per share has increased by 19% per year but the company’s share price has remained flat, which means it is significantly lagging earnings.Declared Dividend • Jul 27First quarter dividend of ₱0.75 announcedDividend of ₱0.75 is the same as last year. Ex-date: 7th August 2025 Payment date: 26th August 2025 Dividend yield will be 5.1%, which is higher than the industry average of 3.1%. Sustainability & Growth The dividend has increased by an average of 1.1% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. Earnings per share has grown by 11% over the last 5 years. Unless this trend reverses, it should provide support to the dividend and adequate earnings cover.Reported Earnings • May 17First quarter 2025 earnings released: EPS: ₱2.84 (vs ₱2.82 in 1Q 2024)First quarter 2025 results: EPS: ₱2.84 (up from ₱2.82 in 1Q 2024). Revenue: ₱3.60b (down 4.7% from 1Q 2024). Net income: ₱1.21b (flat on 1Q 2024). Profit margin: 34% (up from 32% in 1Q 2024). The increase in margin was driven by lower expenses. Over the last 3 years on average, earnings per share has increased by 25% per year but the company’s share price has only increased by 1% per year, which means it is significantly lagging earnings growth.Declared Dividend • Apr 27Fourth quarter dividend of ₱0.75 announcedDividend of ₱0.75 is the same as last year. Ex-date: 9th May 2025 Payment date: 26th May 2025 Dividend yield will be 5.1%, which is higher than the industry average of 3.1%. Sustainability & Growth The dividend has increased by an average of 1.1% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. Earnings per share has grown by 11% over the last 5 years. Unless this trend reverses, it should provide support to the dividend and adequate earnings cover.お知らせ • Apr 25Philippine Savings Bank Declares Regular Cash Dividend for the First Quarter 2025, Payable on 26 May 2025The Board of Directors of Philippine Savings Bank, in its meeting held 24 April 2025, passed a resolution declaring a 7.5% Regular Cash Dividend for the first quarter 2025 amounting to PHP 320.14 million equivalent to PHP 0.75 per share. This will be payable to all common stockholders as of the Record Date of 12 May 2025 and will be paid no later than the Payment Date of 26 May 2025.Reported Earnings • Mar 18Full year 2024 earnings released: EPS: ₱12.20 (vs ₱10.62 in FY 2023)Full year 2024 results: EPS: ₱12.20 (up from ₱10.62 in FY 2023). Revenue: ₱15.1b (up 10% from FY 2023). Net income: ₱5.21b (up 15% from FY 2023). Profit margin: 35% (up from 33% in FY 2023). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 32% per year but the company’s share price has only increased by 2% per year, which means it is significantly lagging earnings growth.Declared Dividend • Jan 19Third quarter dividend of ₱0.75 announcedDividend of ₱0.75 is the same as last year. Ex-date: 31st January 2025 Payment date: 17th February 2025 Dividend yield will be 5.1%, which is higher than the industry average of 3.1%. Sustainability & Growth The dividend has increased by an average of 1.1% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. Earnings per share has grown by 10% over the last 5 years. Unless this trend reverses, it should provide support to the dividend and adequate earnings cover.お知らせ • Jan 17+ 2 more updatesPhilippine Savings Bank, Annual General Meeting, Apr 24, 2025Philippine Savings Bank, Annual General Meeting, Apr 24, 2025, at 15:00 W. Australia Standard Time. Location: tba, PhilippinesReported Earnings • Nov 17Third quarter 2024 earnings released: EPS: ₱3.37 (vs ₱2.81 in 3Q 2023)Third quarter 2024 results: EPS: ₱3.37 (up from ₱2.81 in 3Q 2023). Revenue: ₱3.78b (up 4.9% from 3Q 2023). Net income: ₱1.44b (up 20% from 3Q 2023). Profit margin: 38% (up from 33% in 3Q 2023). The increase in margin was primarily driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 39% per year but the company’s share price has only increased by 1% per year, which means it is significantly lagging earnings growth.Declared Dividend • Oct 20Second quarter dividend of ₱0.75 announcedDividend of ₱0.75 is the same as last year. Ex-date: 31st October 2024 Payment date: 18th November 2024 Dividend yield will be 5.0%, which is higher than the industry average of 3.1%. Sustainability & Growth The dividend has increased by an average of 1.1% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. Earnings per share has grown by 7.8% over the last 5 years. Unless this trend reverses, it should provide support to the dividend and adequate earnings cover.お知らせ • Oct 18Philippine Savings Bank Announces 7.5% Regular Cash Dividend for the Third Quarter 2024, Payable on November 18, 2024The Board of Directors of Philippine Savings Bank, in its meeting held on 17 October 2024, passed a resolution declaring a 7.5% Regular Cash Dividend for the third quarter 2024 amounting to PHP 320.14 million equivalent to PHP 0.75 per share. This will be payable to all common stockholders as of the Record Date of 04 November 2024 and will be paid no later than the Payment Date of 18 November 2024.Reported Earnings • Aug 16Second quarter 2024 earnings released: EPS: ₱3.19 (vs ₱2.79 in 2Q 2023)Second quarter 2024 results: EPS: ₱3.19 (up from ₱2.79 in 2Q 2023). Revenue: ₱3.62b (up 4.7% from 2Q 2023). Net income: ₱1.36b (up 14% from 2Q 2023). Profit margin: 38% (up from 34% in 2Q 2023). Over the last 3 years on average, earnings per share has increased by 46% per year but the company’s share price has remained flat, which means it is significantly lagging earnings.Declared Dividend • Jul 29First quarter dividend of ₱0.75 announcedDividend of ₱0.75 is the same as last year. Ex-date: 8th August 2024 Payment date: 27th August 2024 Dividend yield will be 5.4%, which is higher than the industry average of 3.1%. Sustainability & Growth The dividend has increased by an average of 1.1% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. Earnings per share has grown by 4.7% over the last 5 years. Unless this trend reverses, it should provide support to the dividend and adequate earnings cover.お知らせ • Jul 26Philippine Savings Bank Declares Regular Cash Dividend for the Second Quarter of 2024, Payable on August 27, 2024The Board of Directors of Philippine Savings Bank, in its meeting held on 25 July 2024, passed a resolution declaring a 7.5% Regular Cash Dividend for the second quarter 2024 amounting to PHP 320.14 million equivalent to PHP 0.75 per share. This will be payable to all common stockholders as of the Record Date of 09 August 2024 and will be paid no later than the Payment Date of 27 August 2024.Reported Earnings • May 16First quarter 2024 earnings released: EPS: ₱2.82 (vs ₱2.29 in 1Q 2023)First quarter 2024 results: EPS: ₱2.82 (up from ₱2.29 in 1Q 2023). Revenue: ₱3.78b (up 16% from 1Q 2023). Net income: ₱1.20b (up 23% from 1Q 2023). Profit margin: 32% (up from 30% in 1Q 2023). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 52% per year but the company’s share price has only increased by 1% per year, which means it is significantly lagging earnings growth.Board Change • May 07Less than half of directors are independentFollowing the recent departure of a director, there are only 4 independent directors on the board. The company's board is composed of: 4 independent directors. 6 non-independent directors. Independent Director Ronald Luis Goseco was the last independent director to join the board, commencing their role in 2023. The company's minority of independent directors is a risk according to the Simply Wall St Risk Model.Declared Dividend • Apr 29Fourth quarter dividend of ₱0.75 announcedDividend of ₱0.75 is the same as last year. Ex-date: 10th May 2024 Payment date: 27th May 2024 Dividend yield will be 5.5%, which is higher than the industry average of 3.1%. Sustainability & Growth The dividend has increased by an average of 1.1% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. Earnings per share has grown by 2.4% over the last 5 years. Unless this trend reverses, it should provide support to the dividend and adequate earnings cover.お知らせ • Apr 27Philippine Savings Bank Declares Cash Dividend for the First Quarter of 2024, Payable on May 27, 2024The Board of Directors of Philippine Savings Bank, in its meeting held on 25 April 2024, passed a resolution declaring a 7.5% regular cash dividend for the first quarter 2024 amounting to PHP 320.14 million equivalent to PHP 0.75 per share. This will be payable to all common stockholders as of the record date of 13 May 2024 and will be paid no later than the payment date of 27 May 2024.Reported Earnings • Mar 20Full year 2023 earnings released: EPS: ₱10.61 (vs ₱8.62 in FY 2022)Full year 2023 results: EPS: ₱10.61 (up from ₱8.62 in FY 2022). Revenue: ₱13.7b (flat on FY 2022). Net income: ₱4.53b (up 23% from FY 2022). Profit margin: 33% (up from 27% in FY 2022). Over the last 3 years on average, earnings per share has increased by 55% per year but the company’s share price has fallen by 2% per year, which means it is significantly lagging earnings.お知らせ • Jan 31Philippine Savings Bank Announces Resignation Ma. Soledad D.S. De Leon as A Member of the Board of Directors and as A Member of the Trust Committee and the Related Party Transactions CommitteeBoard of Directors of Philippine Savings Bank, in its special meeting held on, 31 January 2024, accepted the resignation of Director Ma. Soledad D.S. De Leon as a member of the Board of Directors and as a member of the Trust Committee and the Related Party Transactions Committee. The said resignation is due to personal reasons and effective immediately.Upcoming Dividend • Jan 25Upcoming dividend of ₱0.75 per share at 5.4% yieldEligible shareholders must have bought the stock before 01 February 2024. Payment date: 19 February 2024. Payout ratio is a comfortable 31% but the company is not cash flow positive. Trailing yield: 5.4%. Lower than top quartile of Filipino dividend payers (5.6%). Higher than average of industry peers (3.3%).お知らせ • Jan 19+ 1 more updatePhilippine Savings Bank, Annual General Meeting, Apr 25, 2024Philippine Savings Bank, Annual General Meeting, Apr 25, 2024, at 15:00 Singapore Standard Time.お知らせ • Dec 28Philippine Savings Bank Announces Retirement of Emmanuel A. Tuazon as Senior Vice President and Marketing Group Head, Effective 1 January 2024Philippine Savings Bank announced the retirement of Senior Vice President and Marketing Group Head Emmanuel A. Tuazon effective 1 January 2024.お知らせ • Dec 15Philippine Savings Bank Announces Executive ChangesIn Board meeting held on December 14, 2023, the Philippine Savings Bank's Board of Directors approved the appointment of Senior Vice President & Controller/Finance Group Head, Ms. Leah M. Zamora, concurrently as the Bank's new Corporate Secretary effective 01 January 2024. She will serve the remaining unexpired term of incumbent Senior Vice President & Corporate Secretary Mr. Perfecto Ramon Z. Dimayuga, Jr., who will be retiring by 31 December 2023. Ms. Zamora has been with the Bank for 13 years since she joined in April 2010. As the incumbent Controller and Head of the Finance Group, she oversees the Group's Financial Planning Division (FPD), Financial Accounting Services Division (FASD) and Business Intelligence Division (BID). She is also a member of the Bank's Assets and Liabilities, IT Steering, Retirement, Outsourcing and Related Party Transactions Management committees. Prior to joining the Bank, she served as Vice President for Financial Planning and Analysis of GE Money Bank Philippines (now part of BDO Unibank). She graduated BS in Accountancy from the De La Salle University (DLSU) and is a Certified Public Accountant (CPA).Reported Earnings • Nov 09Third quarter 2023 earnings released: EPS: ₱2.81 (vs ₱2.38 in 3Q 2022)Third quarter 2023 results: EPS: ₱2.81 (up from ₱2.38 in 3Q 2022). Revenue: ₱3.60b (up 6.0% from 3Q 2022). Net income: ₱1.20b (up 18% from 3Q 2022). Profit margin: 33% (up from 30% in 3Q 2022). Over the last 3 years on average, earnings per share has increased by 49% per year but the company’s share price has only increased by 2% per year, which means it is significantly lagging earnings growth.Upcoming Dividend • Oct 31Upcoming dividend of ₱0.75 per share at 5.5% yieldEligible shareholders must have bought the stock before 07 November 2023. Payment date: 20 November 2023. Payout ratio is a comfortable 32% but the company is not cash flow positive. Trailing yield: 5.5%. Lower than top quartile of Filipino dividend payers (5.6%). Higher than average of industry peers (3.3%).お知らせ • Oct 20Philippine Savings Bank Approves Cash Dividend for the Third Quarter of 2023, Payable on November 20, 2023The Board of Directors of Philippine Savings Bank, in its meeting held on 19 October 2023, passed a resolution declaring regular Cash Dividend for the third quarter of 2023 amounting to PHP 0.75 per share. Payment Date is November 20, 2023 and Record Date is November 8, 2023.お知らせ • Sep 22Philippine Savings Bank Announces Board ChangesPhilippine Savings Bank in its meeting held on September 21, 2023, approved the following matters as endorsed by the Bank's Corporate Governance Committee (CGC): Election of Mr. Ronald Luis S. Goseco as Independent Director, subject to the required confirmation by the Bangko Sentral ng Pilipinas with his existing interlocking positions; and, Appointment of Mr. Goseco as Chairman of the Bank's Risk Oversight Committee and Member of the Audit and Related Party Transactions Committees. Mr. Goseco will serve the remaining unexpired term and fill in the vacant committee seats left by former Independent Director Higinio O. Macadaeg, Jr.お知らせ • Aug 25Philippine Savings Bank Appoints Elmer K. Mercado as the Bank's Deputy Treasurer from 01 September 2023 to 31 December 2023 and Treasurer/Treasury Group Head from 01 January 2024 to 31 August 2028Philippine Savings Bank in its meeting held on August 24, 2023, passed a resolution approving the appointment, via secondment, for a maximum period of five (5) years from 01 September 2023 to 31 August 2028, ofparent-Metrobank's First Vice President (FVP) Mr. Elmer K. Mercado as the Bank's Deputy Treasurer from 01 September 2023 to 31 December 2023 and Treasurer/Treasury Group Head from 01 January 2024 to 31 August 2028.Reported Earnings • Aug 14Second quarter 2023 earnings released: EPS: ₱2.79 (vs ₱2.22 in 2Q 2022)Second quarter 2023 results: EPS: ₱2.79 (up from ₱2.22 in 2Q 2022). Revenue: ₱3.46b (flat on 2Q 2022). Net income: ₱1.19b (up 26% from 2Q 2022). Profit margin: 34% (up from 28% in 2Q 2022). Over the last 3 years on average, earnings per share has increased by 35% per year but the company’s share price has only increased by 6% per year, which means it is significantly lagging earnings growth.Upcoming Dividend • Jul 25Upcoming dividend of ₱0.75 per share at 5.3% yieldEligible shareholders must have bought the stock before 01 August 2023. Payment date: 22 August 2023. Payout ratio is a comfortable 34% but the company is not cash flow positive. Trailing yield: 5.3%. Lower than top quartile of Filipino dividend payers (5.4%). Higher than average of industry peers (3.1%).お知らせ • Jul 23Philippine Savings Bank Approves the Declaration of Cash Dividends for Second Quarter of 2023, Payable on August 22, 2023Philippine Savings Bank has approved the declaration of cash dividends for second quarter of 2023. Amount of Cash Dividend Per Share, Php 0.75, Record Date is Aug. 4, 2023, Payment Date is August 22, 2023.お知らせ • Jul 18Philippine Savings Bank Announces Resignation of Higinio O. Macadaeg, Jr. as Independent DirectorPhilippine Savings Bank announced that Director Higinio O. Macadaeg, Jr. has tendered his resignation as independent director of Philippine Savings Bank due to personal reasons effective immediately. Mr. Macadaeg's resignation is not due to any disagreement with any Board policies and practices.Board Change • Jun 07Less than half of directors are independentFollowing the recent departure of a director, there are only 4 independent directors on the board. The company's board is composed of: 4 independent directors. 5 non-independent directors. Independent Director Rufino Luis Manotok was the last independent director to join the board, commencing their role in 2023. The company's minority of independent directors is a risk according to the Simply Wall St Risk Model.Reported Earnings • May 16First quarter 2023 earnings released: EPS: ₱2.29 (vs ₱2.08 in 1Q 2022)First quarter 2023 results: EPS: ₱2.29 (up from ₱2.08 in 1Q 2022). Revenue: ₱3.26b (down 7.4% from 1Q 2022). Net income: ₱976.9m (up 10% from 1Q 2022). Profit margin: 30% (up from 25% in 1Q 2022). The increase in margin was driven by lower expenses. Over the last 3 years on average, earnings per share has increased by 19% per year but the company’s share price has only increased by 8% per year, which means it is significantly lagging earnings growth.Upcoming Dividend • May 03Upcoming dividend of ₱0.75 per share at 5.4% yieldEligible shareholders must have bought the stock before 10 May 2023. Payment date: 29 May 2023. Payout ratio is a comfortable 35% but the company is paying out more than the cash it is generating. Trailing yield: 5.4%. Lower than top quartile of Filipino dividend payers (5.7%). Higher than average of industry peers (2.8%).Reported Earnings • Mar 22Full year 2022 earnings released: EPS: ₱8.62 (vs ₱3.61 in FY 2021)Full year 2022 results: EPS: ₱8.62 (up from ₱3.61 in FY 2021). Revenue: ₱13.7b (up 13% from FY 2021). Net income: ₱3.68b (up 139% from FY 2021). Profit margin: 27% (up from 13% in FY 2021). The increase in margin was primarily driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 3% per year but the company’s share price has increased by 19% per year, which means it is tracking significantly ahead of earnings growth.Upcoming Dividend • Jan 31Upcoming dividend of ₱0.75 per share at 5.3% yieldEligible shareholders must have bought the stock before 07 February 2023. Payment date: 27 February 2023. Payout ratio is a comfortable 41% and this is well supported by cash flows. Trailing yield: 5.3%. Lower than top quartile of Filipino dividend payers (5.4%). Higher than average of industry peers (2.3%).お知らせ • Jan 27+ 1 more updatePhilippine Savings Bank, Annual General Meeting, Apr 27, 2023Philippine Savings Bank, Annual General Meeting, Apr 27, 2023, at 15:00 China Standard Time.Reported Earnings • Nov 16Third quarter 2022 earnings released: EPS: ₱2.38 (vs ₱0.89 in 3Q 2021)Third quarter 2022 results: EPS: ₱2.38 (up from ₱0.89 in 3Q 2021). Revenue: ₱3.40b (up 8.9% from 3Q 2021). Net income: ₱1.02b (up 167% from 3Q 2021). Profit margin: 30% (up from 12% in 3Q 2021). The increase in margin was primarily driven by lower expenses. Over the last 3 years on average, earnings per share has fallen by 15% per year but the company’s share price has increased by 2% per year, which means it is well ahead of earnings.Board Change • Nov 16Less than half of directors are independentThere is 1 new director who has joined the board in the last 3 years. The new board member was an independent director. The company's board is composed of: 1 new director. 4 experienced directors. 4 highly experienced directors. 4 independent directors (5 non-independent directors). Independent Director Francisco Magsajo was the last independent director to join the board, commencing their role in 2021. The following issues are considered to be risks according to the Simply Wall St Risk Model: Minority of independent directors. Insufficient board refreshment.Upcoming Dividend • Oct 26Upcoming dividend of ₱0.75 per shareEligible shareholders must have bought the stock before 02 November 2022. Payment date: 21 November 2022. Payout ratio is a comfortable 51% and this is well supported by cash flows. Trailing yield: 5.4%. Lower than top quartile of Filipino dividend payers (5.9%). Higher than average of industry peers (2.6%).お知らせ • Oct 21Philippine Savings Bank Declares Regular Cash Dividend for the Third Quarter of 2022, Payable on 21 November 2022The Board of Directors of Philippine Savings Bank, in its meeting held on 20 October 2022, passed a resolution declaring a 7.5% regular CashDividend for the third quarter of 2022 amounting to PHP 320.14 million equivalent to PHP 0.75 per share. This will be payable to all common stockholders as of the Record Date of 07 November 2022 and will be paid no later than the Payment Date of 21 November 2022.お知らせ • Aug 26+ 1 more updatePhilippine Savings Bank Promotes Edeza A. Que to Senior Vice President, Effective September 1, 2022The Board of Directors of Philippine Savings Bank, in its meeting held on August 25, 2022, passed a resolution approving the promotion of First Vice President Edeza A. Que to Senior Vice President effective of September 1, 2022. Currently, Ms. Que is the Chief Risk and Sustainability Officer (CRSO). Under her leadership, Risk Management Office (RMO) has consistently ensured the Bank's compliance with new regulatory issuances/circulars on risk management. RMO also ensures that the Bank's credit risk taking activities are optimized and in accordance with the prevailing market conditions. With regulatory mandates on Sustainability Reporting and Sustainable Finance, Ms. Que was tasked to lead the Bank's compliance and commitment to sustainability with her designation as CRSO in 2021. Ms. Que was instrumental in developing the Bank's Sustainable Finance Framework and Environmental and Social Risk Management Policy Manual.Reported Earnings • Aug 14Second quarter 2022 earnings released: EPS: ₱2.22 (vs ₱1.03 in 2Q 2021)Second quarter 2022 results: EPS: ₱2.22 (up from ₱1.03 in 2Q 2021). Revenue: ₱3.44b (up 25% from 2Q 2021). Net income: ₱948.3m (up 115% from 2Q 2021). Profit margin: 28% (up from 16% in 2Q 2021). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has fallen by 30% per year but the company’s share price has increased by 3% per year, which means it is well ahead of earnings.Upcoming Dividend • Jul 26Upcoming dividend of ₱0.75 per shareEligible shareholders must have bought the stock before 02 August 2022. Payment date: 22 August 2022. Payout ratio is a comfortable 64% and this is well supported by cash flows. Trailing yield: 5.3%. Within top quartile of Filipino dividend payers (5.1%). Higher than average of industry peers (1.5%).お知らせ • Jul 22Philippine Savings Bank Declares Regular Cash Dividend for the Second Quarter of 2022, Payable on 22 August 2022The Board of Directors of Philippine Savings Bank, in its meeting held on 21 July 2022, passed a resolution declaring a 7.5% Regular Cash Dividend for the second quarter of 2022 amounting to PHP 320.14 million equivalent to PHP 0.75 per share. This will be payable to all common stockholders as of the Record Date of 05 August 2022 and will be paid no later than the Payment Date of 22 August 2022.Reported Earnings • May 14First quarter 2022 earnings released: EPS: ₱2.08 (vs ₱1.03 in 1Q 2021)First quarter 2022 results: EPS: ₱2.08 (up from ₱1.03 in 1Q 2021). Revenue: ₱3.52b (up 32% from 1Q 2021). Net income: ₱887.7m (up 102% from 1Q 2021). Profit margin: 25% (up from 16% in 1Q 2021). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has fallen by 41% per year but the company’s share price has increased by 2% per year, which means it is well ahead of earnings.Board Change • Apr 27Less than half of directors are independentThere is 1 new director who has joined the board in the last 3 years. The new board member was an independent director. The company's board is composed of: 1 new director. 4 experienced directors. 4 highly experienced directors. 4 independent directors (5 non-independent directors). Independent Director Francisco Magsajo was the last independent director to join the board, commencing their role in 2021. The following issues are considered to be risks according to the Simply Wall St Risk Model: Minority of independent directors. Insufficient board refreshment.お知らせ • Apr 26Philippine Savings Bank Approves Cash Dividend for the First Quarter of 2022, Payable on May 25, 2022The Board of Directors of Philippine Savings Bank, in its meeting held on April 25, 2022, passed a resolution declaring a 7.5% Regular Cash Dividend for the first quarter of 2022 amounting to PHP 320.14 million equivalent to PHP 0.75 per share. This will be payable to all common stockholders as of the Record Date of 11 May 2022 and will be paid no later than the Payment Date of 25 May 2022.Reported Earnings • Nov 16Third quarter 2021 earnings released: EPS ₱0.89 (vs ₱0.09 in 3Q 2020)The company reported a strong third quarter result with improved earnings, revenues and profit margins. Third quarter 2021 results: Revenue: ₱3.12b (up 60% from 3Q 2020). Net income: ₱381.4m (up ₱344.6m from 3Q 2020). Profit margin: 12% (up from 1.9% in 3Q 2020). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has fallen by 49% per year but the company’s share price has only fallen by 6% per year, which means it has not declined as severely as earnings.Upcoming Dividend • Oct 27Upcoming dividend of ₱0.75 per shareEligible shareholders must have bought the stock before 03 November 2021. Payment date: 22 November 2021. Trailing yield: 5.2%. Within top quartile of Filipino dividend payers (4.0%). Higher than average of industry peers (1.0%).Upcoming Dividend • Jul 27Upcoming dividend of ₱0.75 per shareEligible shareholders must have bought the stock before 03 August 2021. Payment date: 23 August 2021. Trailing yield: 5.2%. Within top quartile of Filipino dividend payers (4.2%). Higher than average of industry peers (1.1%).Reported Earnings • May 12First quarter 2021 earnings released: EPS ₱1.03 (vs ₱1.59 in 1Q 2020)The company reported a poor first quarter result with weaker earnings, revenues and profit margins. First quarter 2021 results: Revenue: ₱2.68b (down 11% from 1Q 2020). Net income: ₱438.5m (down 32% from 1Q 2020). Profit margin: 16% (down from 22% in 1Q 2020). Over the last 3 years on average, earnings per share has fallen by 36% per year but the company’s share price has only fallen by 9% per year, which means it has not declined as severely as earnings.Valuation Update With 7 Day Price Move • May 07Investor sentiment improved over the past weekAfter last week's 37% share price gain to ₱77.00, the stock trades at a trailing P/E ratio of 29.7x. Average trailing P/E is 14x in the Mortgage industry in Asia. Total returns to shareholders of 28% over the past three years.お知らせ • Apr 28Philippine Savings Bank Approves Cash Dividend for the First Quarter of 2021, Payable on 26 May 2021The Board of Directors of Philippine Savings Bank, in its meeting held on 26 April 2021, passed a resolution declaring a 7.5% Regular Cash Dividend for the first quarter of 2021 amounting to PHO 320.14 million equivalent to PHP 0.75 per share. This will be payable to all common stockholders as of the Record Date of 11 May 2021 and will be paid no later than the Payment Date of 26 May 2021.Reported Earnings • Mar 19Full year 2020 earnings released: EPS ₱2.60 (vs ₱7.21 in FY 2019)The company reported a poor full year result with weaker earnings, revenues and profit margins. Full year 2020 results: Revenue: ₱10.2b (down 18% from FY 2019). Net income: ₱1.11b (down 63% from FY 2019). Profit margin: 11% (down from 24% in FY 2019). Net interest margin (NIM): 7.26% (up from 5.82% in FY 2019). Cost-to-income ratio: 55.2% (down from 61.3% in FY 2019). Non-performing loans: 6.95% (up from 3.61% in FY 2019). Over the last 3 years on average, earnings per share has fallen by 27% per year but the company’s share price has only fallen by 10% per year, which means it has not declined as severely as earnings.お知らせ • Jan 22Philippine Savings Bank, Annual General Meeting, Apr 26, 2021Philippine Savings Bank, Annual General Meeting, Apr 26, 2021, at 15:00 Singapore Standard Time.Is New 90 Day High Low • Jan 06New 90-day high: ₱54.70The company is up 6.0% from its price of ₱51.80 on 09 October 2020. The Filipino market is up 21% over the last 90 days, indicating the company underperformed over that time. It also underperformed the Mortgage industry, which is up 33% over the same period.Is New 90 Day High Low • Dec 18New 90-day high: ₱54.25The company is up 9.0% from its price of ₱49.95 on 18 September 2020. The Filipino market is up 23% over the last 90 days, indicating the company underperformed over that time. It also underperformed the Mortgage industry, which is up 39% over the same period.Is New 90 Day High Low • Dec 04New 90-day high: ₱53.55The company is up 8.0% from its price of ₱49.70 on 04 September 2020. The Filipino market is up 21% over the last 90 days, indicating the company underperformed over that time. It also underperformed the Mortgage industry, which is up 23% over the same period.Reported Earnings • Nov 14Third quarter 2020 earnings released: EPS ₱0.09The company reported a poor third quarter result with weaker earnings, revenues and profit margins. Third quarter 2020 results: Revenue: ₱1.96b (down 40% from 3Q 2019). Net income: ₱36.8m (down 96% from 3Q 2019). Profit margin: 1.9% (down from 25% in 3Q 2019). The decrease in margin was driven by lower revenue. Over the last 3 years on average, earnings per share has fallen by 18% per year whereas the company’s share price has fallen by 13% per year.Is New 90 Day High Low • Nov 12New 90-day high: ₱53.50The company is up 12% from its price of ₱47.70 on 14 August 2020. The Filipino market is up 14% over the last 90 days, indicating the company underperformed over that time. It also underperformed the Mortgage industry, which is up 26% over the same period.Is New 90 Day High Low • Oct 23New 90-day high: ₱52.45The company is up 10.0% from its price of ₱47.50 on 24 July 2020. The Filipino market is up 6.0% over the last 90 days, indicating the company outperformed over that time. However, its price trend is similar to the Mortgage industry, which is also up 10.0% over the same period.株主還元PSBPH BanksPH 市場7D-0.8%0.3%-0.8%1Y-9.9%-12.0%-1.9%株主還元を見る業界別リターン: PSB過去 1 年間で-12 % の収益を上げたPH Banks業界を上回りました。リターン対市場: PSBは、過去 1 年間で-1.9 % のリターンを上げたPH市場を下回りました。価格変動Is PSB's price volatile compared to industry and market?PSB volatilityPSB Average Weekly Movement1.9%Banks Industry Average Movement3.7%Market Average Movement5.1%10% most volatile stocks in PH Market10.1%10% least volatile stocks in PH Market2.6%安定した株価: PSB 、 PH市場と比較して、過去 3 か月間で大きな価格変動はありませんでした。時間の経過による変動: PSBの 週次ボラティリティ ( 2% ) は過去 1 年間安定しています。会社概要設立従業員CEO（最高経営責任者ウェブサイト1959n/aJose Vicente Aldewww.psbank.com.phフィリピン貯蓄銀行は主にフィリピンで貯蓄銀行業務と住宅ローン銀行業務を行っている。消費者銀行業務、法人銀行業務、支店銀行業務、財務部門を通じて事業を展開している。普通預金、当座預金、定期預金商品を提供している。また、自動車ローン、住宅ローン、住宅クレジット・ライン、住宅建設ローン、中小企業向けタームローン、中小企業向けビジネス・クレジット・ライン、中小企業向けクレジット・ライン、スタンバイ・クレジット・ライン認証、国内手形購入ライン、フレックス・パーソナル・ローンも提供している。さらに、マネー・マーケット・ファンド、投資家管理口座、エスクロー・エージェント・サービス、個人管理信託、福利厚生・退職金管理などの投資商品・サービス、保険商品・サービス、Eバンキング、デビット・マスターカード、プリペイド・マスターカード、クレジット・マスターカード、ATM、代金回収、送金、銀行・東京金融取引所認証サービスなどのその他の商品・サービスも提供している。さらに、信託、トレーディング、トレジャリーサービスも提供している。同社は1959年に設立され、フィリピンのマカティ市に本社を置く。フィリピン・セービングス・バンクはメトロポリタン・バンク＆トラスト・カンパニーの子会社として運営されている。もっと見るPhilippine Savings Bank 基礎のまとめPhilippine Savings Bank の収益と売上を時価総額と比較するとどうか。PSB 基礎統計学時価総額₱22.50b収益（TTM）₱3.24b売上高(TTM)₱13.34b7.0xPER（株価収益率0.5xPBR（株価純資産倍率PSB は割高か？公正価値と評価分析を参照収益と収入最新の決算報告書（TTM）に基づく主な収益性統計PSB 損益計算書（TTM）収益₱13.34b売上原価₱113.64m売上総利益₱13.23bその他の費用₱9.99b収益₱3.24b直近の収益報告Mar 31, 2026次回決算日該当なし一株当たり利益（EPS）7.58グロス・マージン99.15%純利益率24.25%有利子負債／自己資本比率10.8%PSB の長期的なパフォーマンスは？過去の実績と比較を見る配当金5.7%現在の配当利回り40%配当性向PSB 配当は確実ですか？PSB 配当履歴とベンチマークを見るPSB 、いつまでに購入すれば配当金を受け取れますか？Philippine Savings Bank 配当日配当落ち日Jul 30 2026配当支払日Aug 17 2026配当落ちまでの日数4 days配当支払日までの日数14 daysPSB 配当は確実ですか？PSB 配当履歴とベンチマークを見るView Valuation企業分析と財務データの現状データ最終更新日（UTC時間）企業分析2026/08/01 15:46終値2026/07/31 00:00収益2026/03/31年間収益2025/12/31データソース企業分析に使用したデータはS&P Global Market Intelligence LLC のものです。本レポートを作成するための分析モデルでは、以下のデータを使用しています。データは正規化されているため、ソースが利用可能になるまでに時間がかかる場合があります。パッケージデータタイムフレーム米国ソース例会社財務10年損益計算書キャッシュ・フロー計算書貸借対照表SECフォーム10-KSECフォーム10-Qアナリストのコンセンサス予想+プラス3年予想財務アナリストの目標株価アナリストリサーチレポートBlue Matrix市場価格30年株価配当、分割、措置ICEマーケットデータSECフォームS-1所有権10年トップ株主インサイダー取引SECフォーム4SECフォーム13Dマネジメント10年リーダーシップ・チーム取締役会SECフォーム10-KSECフォームDEF 14A主な進展10年会社からのお知らせSECフォーム8-K* 米国証券を対象とした例であり、非米国証券については、同等の規制書式および情報源を使用。特に断りのない限り、すべての財務データは1年ごとの期間に基づいていますが、四半期ごとに更新されます。これは、TTM（Trailing Twelve Month）またはLTM（Last Twelve Month）データとして知られています。詳細はこちら。分析モデルとスノーフレークこのレポートを生成するために使用した分析モデルの詳細は、当社のGitHubページでご覧いただけます。また、レポートの活用方法に関するガイドやYouTubeのチュートリアルも用意しています。シンプリー・ウォールストリート分析モデルを設計・構築した世界トップクラスのチームについてご紹介します。業界およびセクターの指標私たちの業界とセクションの指標は、Simply Wall Stによって6時間ごとに計算されます。アナリスト筋Philippine Savings Bank 0 これらのアナリストのうち、弊社レポートのインプットとして使用した売上高または利益の予想を提出したのは、 。アナリストの投稿は一日中更新されます。0
Declared Dividend • Jul 20First quarter dividend of ₱0.75 announcedDividend of ₱0.75 is the same as last year. Ex-date: 30th July 2026 Payment date: 17th August 2026 Dividend yield will be 5.7%, which is higher than the industry average of 3.1%. Sustainability & Growth The dividend has increased by an average of 1.1% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. Earnings per share has grown by 29% over the last 5 years. Unless this trend reverses, it should provide support to the dividend and adequate earnings cover.
Buy Or Sell Opportunity • Jun 11Now 21% undervalued after recent price dropOver the last 90 days, the stock has fallen 6.2% to ₱53.00. The fair value is estimated to be ₱66.92, however this is not to be taken as a buy recommendation but rather should be used as a guide only.
Reported Earnings • May 16First quarter 2026 earnings released: EPS: ₱2.21 (vs ₱2.84 in 1Q 2025)First quarter 2026 results: EPS: ₱2.21 (down from ₱2.84 in 1Q 2025). Revenue: ₱3.38b (down 6.1% from 1Q 2025). Net income: ₱944.3m (down 22% from 1Q 2025). Profit margin: 28% (down from 34% in 1Q 2025). The decrease in margin was primarily driven by lower revenue. Over the last 3 years on average, earnings per share has fallen by 2% per year whereas the company’s share price has remained flat.
Board Change • May 01High number of new directorsThere are 5 new directors who have joined the board in the last 3 years. Independent Director Teh Opinion was the last director to join the board, commencing their role in 2026. The company’s lack of board continuity is considered a risk according to the Simply Wall St Risk Model.
Declared Dividend • Apr 26Fourth quarter dividend of ₱0.75 announcedDividend of ₱0.75 is the same as last year. Ex-date: 8th May 2026 Payment date: 25th May 2026 Dividend yield will be 5.3%, which is higher than the industry average of 3.1%. Sustainability & Growth The dividend has increased by an average of 1.1% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. Earnings per share has grown by 26% over the last 5 years. Unless this trend reverses, it should provide support to the dividend and adequate earnings cover.
Buy Or Sell Opportunity • Apr 23Now 21% undervalued after recent price dropOver the last 90 days, the stock has fallen 3.6% to ₱55.80. The fair value is estimated to be ₱70.62, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has been flat over the last 3 years. Earnings per share has grown by 4.1%.
Declared Dividend • Jul 20First quarter dividend of ₱0.75 announcedDividend of ₱0.75 is the same as last year. Ex-date: 30th July 2026 Payment date: 17th August 2026 Dividend yield will be 5.7%, which is higher than the industry average of 3.1%. Sustainability & Growth The dividend has increased by an average of 1.1% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. Earnings per share has grown by 29% over the last 5 years. Unless this trend reverses, it should provide support to the dividend and adequate earnings cover.
Buy Or Sell Opportunity • Jun 11Now 21% undervalued after recent price dropOver the last 90 days, the stock has fallen 6.2% to ₱53.00. The fair value is estimated to be ₱66.92, however this is not to be taken as a buy recommendation but rather should be used as a guide only.
Reported Earnings • May 16First quarter 2026 earnings released: EPS: ₱2.21 (vs ₱2.84 in 1Q 2025)First quarter 2026 results: EPS: ₱2.21 (down from ₱2.84 in 1Q 2025). Revenue: ₱3.38b (down 6.1% from 1Q 2025). Net income: ₱944.3m (down 22% from 1Q 2025). Profit margin: 28% (down from 34% in 1Q 2025). The decrease in margin was primarily driven by lower revenue. Over the last 3 years on average, earnings per share has fallen by 2% per year whereas the company’s share price has remained flat.
Board Change • May 01High number of new directorsThere are 5 new directors who have joined the board in the last 3 years. Independent Director Teh Opinion was the last director to join the board, commencing their role in 2026. The company’s lack of board continuity is considered a risk according to the Simply Wall St Risk Model.
Declared Dividend • Apr 26Fourth quarter dividend of ₱0.75 announcedDividend of ₱0.75 is the same as last year. Ex-date: 8th May 2026 Payment date: 25th May 2026 Dividend yield will be 5.3%, which is higher than the industry average of 3.1%. Sustainability & Growth The dividend has increased by an average of 1.1% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. Earnings per share has grown by 26% over the last 5 years. Unless this trend reverses, it should provide support to the dividend and adequate earnings cover.
Buy Or Sell Opportunity • Apr 23Now 21% undervalued after recent price dropOver the last 90 days, the stock has fallen 3.6% to ₱55.80. The fair value is estimated to be ₱70.62, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has been flat over the last 3 years. Earnings per share has grown by 4.1%.
Buy Or Sell Opportunity • Apr 08Now 21% undervaluedThe stock has been flat over the last 90 days, currently trading at ₱56.20. The fair value is estimated to be ₱70.70, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has been flat over the last 3 years. Earnings per share has grown by 4.1%.
Reported Earnings • Mar 17Full year 2025 earnings released: EPS: ₱8.20 (vs ₱12.20 in FY 2024)Full year 2025 results: EPS: ₱8.20 (down from ₱12.20 in FY 2024). Revenue: ₱13.6b (down 10% from FY 2024). Net income: ₱3.50b (down 33% from FY 2024). Profit margin: 26% (down from 34% in FY 2024). The decrease in margin was primarily driven by lower revenue. Over the last 3 years on average, earnings per share has increased by 4% per year whereas the company’s share price has remained flat.
Buy Or Sell Opportunity • Mar 11Now 20% undervaluedOver the last 90 days, the stock has risen 3.7% to ₱57.00. The fair value is estimated to be ₱71.55, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 2.9% over the last 3 years. Earnings per share has grown by 11%.
Buy Or Sell Opportunity • Feb 24Now 20% undervaluedOver the last 90 days, the stock has risen 3.6% to ₱56.80. The fair value is estimated to be ₱71.11, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 2.9% over the last 3 years. Earnings per share has grown by 11%.
Declared Dividend • Jan 18Third quarter dividend of ₱0.75 announcedDividend of ₱0.75 is the same as last year. Ex-date: 29th January 2026 Payment date: 16th February 2026 Dividend yield will be 5.2%, which is higher than the industry average of 3.1%. Sustainability & Growth The dividend has increased by an average of 1.1% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. Earnings per share has grown by 13% over the last 5 years. Unless this trend reverses, it should provide support to the dividend and adequate earnings cover.
お知らせ • Jan 16+ 1 more updatePhilippine Savings Bank, Annual General Meeting, Apr 23, 2026Philippine Savings Bank, Annual General Meeting, Apr 23, 2026.
Reported Earnings • Nov 18Third quarter 2025 earnings released: EPS: ₱1.60 (vs ₱3.37 in 3Q 2024)Third quarter 2025 results: EPS: ₱1.60 (down from ₱3.37 in 3Q 2024). Revenue: ₱3.27b (down 14% from 3Q 2024). Net income: ₱681.4m (down 53% from 3Q 2024). Profit margin: 21% (down from 38% in 3Q 2024). The decrease in margin was primarily driven by lower revenue. Over the last 3 years on average, earnings per share has increased by 11% per year but the company’s share price has fallen by 3% per year, which means it is significantly lagging earnings.
Buy Or Sell Opportunity • Nov 07Now 24% undervalued after recent price dropOver the last 90 days, the stock has fallen 9.9% to ₱52.55. The fair value is estimated to be ₱68.79, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 3.4% over the last 3 years. Earnings per share has grown by 19%.
Declared Dividend • Oct 26Second quarter dividend of ₱0.75 announcedDividend of ₱0.75 is the same as last year. Ex-date: 7th November 2025 Payment date: 24th November 2025 Dividend yield will be 5.3%, which is higher than the industry average of 3.1%. Sustainability & Growth The dividend has increased by an average of 1.1% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. Earnings per share has grown by 10% over the last 5 years. Unless this trend reverses, it should provide support to the dividend and adequate earnings cover.
Reported Earnings • Aug 16Second quarter 2025 earnings released: EPS: ₱2.23 (vs ₱3.19 in 2Q 2024)Second quarter 2025 results: EPS: ₱2.23 (down from ₱3.19 in 2Q 2024). Revenue: ₱3.38b (down 6.6% from 2Q 2024). Net income: ₱953.6m (down 30% from 2Q 2024). Profit margin: 28% (down from 38% in 2Q 2024). The decrease in margin was primarily driven by higher expenses. Over the last 3 years on average, earnings per share has increased by 19% per year but the company’s share price has remained flat, which means it is significantly lagging earnings.
Declared Dividend • Jul 27First quarter dividend of ₱0.75 announcedDividend of ₱0.75 is the same as last year. Ex-date: 7th August 2025 Payment date: 26th August 2025 Dividend yield will be 5.1%, which is higher than the industry average of 3.1%. Sustainability & Growth The dividend has increased by an average of 1.1% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. Earnings per share has grown by 11% over the last 5 years. Unless this trend reverses, it should provide support to the dividend and adequate earnings cover.
Reported Earnings • May 17First quarter 2025 earnings released: EPS: ₱2.84 (vs ₱2.82 in 1Q 2024)First quarter 2025 results: EPS: ₱2.84 (up from ₱2.82 in 1Q 2024). Revenue: ₱3.60b (down 4.7% from 1Q 2024). Net income: ₱1.21b (flat on 1Q 2024). Profit margin: 34% (up from 32% in 1Q 2024). The increase in margin was driven by lower expenses. Over the last 3 years on average, earnings per share has increased by 25% per year but the company’s share price has only increased by 1% per year, which means it is significantly lagging earnings growth.
Declared Dividend • Apr 27Fourth quarter dividend of ₱0.75 announcedDividend of ₱0.75 is the same as last year. Ex-date: 9th May 2025 Payment date: 26th May 2025 Dividend yield will be 5.1%, which is higher than the industry average of 3.1%. Sustainability & Growth The dividend has increased by an average of 1.1% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. Earnings per share has grown by 11% over the last 5 years. Unless this trend reverses, it should provide support to the dividend and adequate earnings cover.
お知らせ • Apr 25Philippine Savings Bank Declares Regular Cash Dividend for the First Quarter 2025, Payable on 26 May 2025The Board of Directors of Philippine Savings Bank, in its meeting held 24 April 2025, passed a resolution declaring a 7.5% Regular Cash Dividend for the first quarter 2025 amounting to PHP 320.14 million equivalent to PHP 0.75 per share. This will be payable to all common stockholders as of the Record Date of 12 May 2025 and will be paid no later than the Payment Date of 26 May 2025.
Reported Earnings • Mar 18Full year 2024 earnings released: EPS: ₱12.20 (vs ₱10.62 in FY 2023)Full year 2024 results: EPS: ₱12.20 (up from ₱10.62 in FY 2023). Revenue: ₱15.1b (up 10% from FY 2023). Net income: ₱5.21b (up 15% from FY 2023). Profit margin: 35% (up from 33% in FY 2023). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 32% per year but the company’s share price has only increased by 2% per year, which means it is significantly lagging earnings growth.
Declared Dividend • Jan 19Third quarter dividend of ₱0.75 announcedDividend of ₱0.75 is the same as last year. Ex-date: 31st January 2025 Payment date: 17th February 2025 Dividend yield will be 5.1%, which is higher than the industry average of 3.1%. Sustainability & Growth The dividend has increased by an average of 1.1% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. Earnings per share has grown by 10% over the last 5 years. Unless this trend reverses, it should provide support to the dividend and adequate earnings cover.
お知らせ • Jan 17+ 2 more updatesPhilippine Savings Bank, Annual General Meeting, Apr 24, 2025Philippine Savings Bank, Annual General Meeting, Apr 24, 2025, at 15:00 W. Australia Standard Time. Location: tba, Philippines
Reported Earnings • Nov 17Third quarter 2024 earnings released: EPS: ₱3.37 (vs ₱2.81 in 3Q 2023)Third quarter 2024 results: EPS: ₱3.37 (up from ₱2.81 in 3Q 2023). Revenue: ₱3.78b (up 4.9% from 3Q 2023). Net income: ₱1.44b (up 20% from 3Q 2023). Profit margin: 38% (up from 33% in 3Q 2023). The increase in margin was primarily driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 39% per year but the company’s share price has only increased by 1% per year, which means it is significantly lagging earnings growth.
Declared Dividend • Oct 20Second quarter dividend of ₱0.75 announcedDividend of ₱0.75 is the same as last year. Ex-date: 31st October 2024 Payment date: 18th November 2024 Dividend yield will be 5.0%, which is higher than the industry average of 3.1%. Sustainability & Growth The dividend has increased by an average of 1.1% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. Earnings per share has grown by 7.8% over the last 5 years. Unless this trend reverses, it should provide support to the dividend and adequate earnings cover.
お知らせ • Oct 18Philippine Savings Bank Announces 7.5% Regular Cash Dividend for the Third Quarter 2024, Payable on November 18, 2024The Board of Directors of Philippine Savings Bank, in its meeting held on 17 October 2024, passed a resolution declaring a 7.5% Regular Cash Dividend for the third quarter 2024 amounting to PHP 320.14 million equivalent to PHP 0.75 per share. This will be payable to all common stockholders as of the Record Date of 04 November 2024 and will be paid no later than the Payment Date of 18 November 2024.
Reported Earnings • Aug 16Second quarter 2024 earnings released: EPS: ₱3.19 (vs ₱2.79 in 2Q 2023)Second quarter 2024 results: EPS: ₱3.19 (up from ₱2.79 in 2Q 2023). Revenue: ₱3.62b (up 4.7% from 2Q 2023). Net income: ₱1.36b (up 14% from 2Q 2023). Profit margin: 38% (up from 34% in 2Q 2023). Over the last 3 years on average, earnings per share has increased by 46% per year but the company’s share price has remained flat, which means it is significantly lagging earnings.
Declared Dividend • Jul 29First quarter dividend of ₱0.75 announcedDividend of ₱0.75 is the same as last year. Ex-date: 8th August 2024 Payment date: 27th August 2024 Dividend yield will be 5.4%, which is higher than the industry average of 3.1%. Sustainability & Growth The dividend has increased by an average of 1.1% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. Earnings per share has grown by 4.7% over the last 5 years. Unless this trend reverses, it should provide support to the dividend and adequate earnings cover.
お知らせ • Jul 26Philippine Savings Bank Declares Regular Cash Dividend for the Second Quarter of 2024, Payable on August 27, 2024The Board of Directors of Philippine Savings Bank, in its meeting held on 25 July 2024, passed a resolution declaring a 7.5% Regular Cash Dividend for the second quarter 2024 amounting to PHP 320.14 million equivalent to PHP 0.75 per share. This will be payable to all common stockholders as of the Record Date of 09 August 2024 and will be paid no later than the Payment Date of 27 August 2024.
Reported Earnings • May 16First quarter 2024 earnings released: EPS: ₱2.82 (vs ₱2.29 in 1Q 2023)First quarter 2024 results: EPS: ₱2.82 (up from ₱2.29 in 1Q 2023). Revenue: ₱3.78b (up 16% from 1Q 2023). Net income: ₱1.20b (up 23% from 1Q 2023). Profit margin: 32% (up from 30% in 1Q 2023). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 52% per year but the company’s share price has only increased by 1% per year, which means it is significantly lagging earnings growth.
Board Change • May 07Less than half of directors are independentFollowing the recent departure of a director, there are only 4 independent directors on the board. The company's board is composed of: 4 independent directors. 6 non-independent directors. Independent Director Ronald Luis Goseco was the last independent director to join the board, commencing their role in 2023. The company's minority of independent directors is a risk according to the Simply Wall St Risk Model.
Declared Dividend • Apr 29Fourth quarter dividend of ₱0.75 announcedDividend of ₱0.75 is the same as last year. Ex-date: 10th May 2024 Payment date: 27th May 2024 Dividend yield will be 5.5%, which is higher than the industry average of 3.1%. Sustainability & Growth The dividend has increased by an average of 1.1% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. Earnings per share has grown by 2.4% over the last 5 years. Unless this trend reverses, it should provide support to the dividend and adequate earnings cover.
お知らせ • Apr 27Philippine Savings Bank Declares Cash Dividend for the First Quarter of 2024, Payable on May 27, 2024The Board of Directors of Philippine Savings Bank, in its meeting held on 25 April 2024, passed a resolution declaring a 7.5% regular cash dividend for the first quarter 2024 amounting to PHP 320.14 million equivalent to PHP 0.75 per share. This will be payable to all common stockholders as of the record date of 13 May 2024 and will be paid no later than the payment date of 27 May 2024.
Reported Earnings • Mar 20Full year 2023 earnings released: EPS: ₱10.61 (vs ₱8.62 in FY 2022)Full year 2023 results: EPS: ₱10.61 (up from ₱8.62 in FY 2022). Revenue: ₱13.7b (flat on FY 2022). Net income: ₱4.53b (up 23% from FY 2022). Profit margin: 33% (up from 27% in FY 2022). Over the last 3 years on average, earnings per share has increased by 55% per year but the company’s share price has fallen by 2% per year, which means it is significantly lagging earnings.
お知らせ • Jan 31Philippine Savings Bank Announces Resignation Ma. Soledad D.S. De Leon as A Member of the Board of Directors and as A Member of the Trust Committee and the Related Party Transactions CommitteeBoard of Directors of Philippine Savings Bank, in its special meeting held on, 31 January 2024, accepted the resignation of Director Ma. Soledad D.S. De Leon as a member of the Board of Directors and as a member of the Trust Committee and the Related Party Transactions Committee. The said resignation is due to personal reasons and effective immediately.
Upcoming Dividend • Jan 25Upcoming dividend of ₱0.75 per share at 5.4% yieldEligible shareholders must have bought the stock before 01 February 2024. Payment date: 19 February 2024. Payout ratio is a comfortable 31% but the company is not cash flow positive. Trailing yield: 5.4%. Lower than top quartile of Filipino dividend payers (5.6%). Higher than average of industry peers (3.3%).
お知らせ • Jan 19+ 1 more updatePhilippine Savings Bank, Annual General Meeting, Apr 25, 2024Philippine Savings Bank, Annual General Meeting, Apr 25, 2024, at 15:00 Singapore Standard Time.
お知らせ • Dec 28Philippine Savings Bank Announces Retirement of Emmanuel A. Tuazon as Senior Vice President and Marketing Group Head, Effective 1 January 2024Philippine Savings Bank announced the retirement of Senior Vice President and Marketing Group Head Emmanuel A. Tuazon effective 1 January 2024.
お知らせ • Dec 15Philippine Savings Bank Announces Executive ChangesIn Board meeting held on December 14, 2023, the Philippine Savings Bank's Board of Directors approved the appointment of Senior Vice President & Controller/Finance Group Head, Ms. Leah M. Zamora, concurrently as the Bank's new Corporate Secretary effective 01 January 2024. She will serve the remaining unexpired term of incumbent Senior Vice President & Corporate Secretary Mr. Perfecto Ramon Z. Dimayuga, Jr., who will be retiring by 31 December 2023. Ms. Zamora has been with the Bank for 13 years since she joined in April 2010. As the incumbent Controller and Head of the Finance Group, she oversees the Group's Financial Planning Division (FPD), Financial Accounting Services Division (FASD) and Business Intelligence Division (BID). She is also a member of the Bank's Assets and Liabilities, IT Steering, Retirement, Outsourcing and Related Party Transactions Management committees. Prior to joining the Bank, she served as Vice President for Financial Planning and Analysis of GE Money Bank Philippines (now part of BDO Unibank). She graduated BS in Accountancy from the De La Salle University (DLSU) and is a Certified Public Accountant (CPA).
Reported Earnings • Nov 09Third quarter 2023 earnings released: EPS: ₱2.81 (vs ₱2.38 in 3Q 2022)Third quarter 2023 results: EPS: ₱2.81 (up from ₱2.38 in 3Q 2022). Revenue: ₱3.60b (up 6.0% from 3Q 2022). Net income: ₱1.20b (up 18% from 3Q 2022). Profit margin: 33% (up from 30% in 3Q 2022). Over the last 3 years on average, earnings per share has increased by 49% per year but the company’s share price has only increased by 2% per year, which means it is significantly lagging earnings growth.
Upcoming Dividend • Oct 31Upcoming dividend of ₱0.75 per share at 5.5% yieldEligible shareholders must have bought the stock before 07 November 2023. Payment date: 20 November 2023. Payout ratio is a comfortable 32% but the company is not cash flow positive. Trailing yield: 5.5%. Lower than top quartile of Filipino dividend payers (5.6%). Higher than average of industry peers (3.3%).
お知らせ • Oct 20Philippine Savings Bank Approves Cash Dividend for the Third Quarter of 2023, Payable on November 20, 2023The Board of Directors of Philippine Savings Bank, in its meeting held on 19 October 2023, passed a resolution declaring regular Cash Dividend for the third quarter of 2023 amounting to PHP 0.75 per share. Payment Date is November 20, 2023 and Record Date is November 8, 2023.
お知らせ • Sep 22Philippine Savings Bank Announces Board ChangesPhilippine Savings Bank in its meeting held on September 21, 2023, approved the following matters as endorsed by the Bank's Corporate Governance Committee (CGC): Election of Mr. Ronald Luis S. Goseco as Independent Director, subject to the required confirmation by the Bangko Sentral ng Pilipinas with his existing interlocking positions; and, Appointment of Mr. Goseco as Chairman of the Bank's Risk Oversight Committee and Member of the Audit and Related Party Transactions Committees. Mr. Goseco will serve the remaining unexpired term and fill in the vacant committee seats left by former Independent Director Higinio O. Macadaeg, Jr.
お知らせ • Aug 25Philippine Savings Bank Appoints Elmer K. Mercado as the Bank's Deputy Treasurer from 01 September 2023 to 31 December 2023 and Treasurer/Treasury Group Head from 01 January 2024 to 31 August 2028Philippine Savings Bank in its meeting held on August 24, 2023, passed a resolution approving the appointment, via secondment, for a maximum period of five (5) years from 01 September 2023 to 31 August 2028, ofparent-Metrobank's First Vice President (FVP) Mr. Elmer K. Mercado as the Bank's Deputy Treasurer from 01 September 2023 to 31 December 2023 and Treasurer/Treasury Group Head from 01 January 2024 to 31 August 2028.
Reported Earnings • Aug 14Second quarter 2023 earnings released: EPS: ₱2.79 (vs ₱2.22 in 2Q 2022)Second quarter 2023 results: EPS: ₱2.79 (up from ₱2.22 in 2Q 2022). Revenue: ₱3.46b (flat on 2Q 2022). Net income: ₱1.19b (up 26% from 2Q 2022). Profit margin: 34% (up from 28% in 2Q 2022). Over the last 3 years on average, earnings per share has increased by 35% per year but the company’s share price has only increased by 6% per year, which means it is significantly lagging earnings growth.
Upcoming Dividend • Jul 25Upcoming dividend of ₱0.75 per share at 5.3% yieldEligible shareholders must have bought the stock before 01 August 2023. Payment date: 22 August 2023. Payout ratio is a comfortable 34% but the company is not cash flow positive. Trailing yield: 5.3%. Lower than top quartile of Filipino dividend payers (5.4%). Higher than average of industry peers (3.1%).
お知らせ • Jul 23Philippine Savings Bank Approves the Declaration of Cash Dividends for Second Quarter of 2023, Payable on August 22, 2023Philippine Savings Bank has approved the declaration of cash dividends for second quarter of 2023. Amount of Cash Dividend Per Share, Php 0.75, Record Date is Aug. 4, 2023, Payment Date is August 22, 2023.
お知らせ • Jul 18Philippine Savings Bank Announces Resignation of Higinio O. Macadaeg, Jr. as Independent DirectorPhilippine Savings Bank announced that Director Higinio O. Macadaeg, Jr. has tendered his resignation as independent director of Philippine Savings Bank due to personal reasons effective immediately. Mr. Macadaeg's resignation is not due to any disagreement with any Board policies and practices.
Board Change • Jun 07Less than half of directors are independentFollowing the recent departure of a director, there are only 4 independent directors on the board. The company's board is composed of: 4 independent directors. 5 non-independent directors. Independent Director Rufino Luis Manotok was the last independent director to join the board, commencing their role in 2023. The company's minority of independent directors is a risk according to the Simply Wall St Risk Model.
Reported Earnings • May 16First quarter 2023 earnings released: EPS: ₱2.29 (vs ₱2.08 in 1Q 2022)First quarter 2023 results: EPS: ₱2.29 (up from ₱2.08 in 1Q 2022). Revenue: ₱3.26b (down 7.4% from 1Q 2022). Net income: ₱976.9m (up 10% from 1Q 2022). Profit margin: 30% (up from 25% in 1Q 2022). The increase in margin was driven by lower expenses. Over the last 3 years on average, earnings per share has increased by 19% per year but the company’s share price has only increased by 8% per year, which means it is significantly lagging earnings growth.
Upcoming Dividend • May 03Upcoming dividend of ₱0.75 per share at 5.4% yieldEligible shareholders must have bought the stock before 10 May 2023. Payment date: 29 May 2023. Payout ratio is a comfortable 35% but the company is paying out more than the cash it is generating. Trailing yield: 5.4%. Lower than top quartile of Filipino dividend payers (5.7%). Higher than average of industry peers (2.8%).
Reported Earnings • Mar 22Full year 2022 earnings released: EPS: ₱8.62 (vs ₱3.61 in FY 2021)Full year 2022 results: EPS: ₱8.62 (up from ₱3.61 in FY 2021). Revenue: ₱13.7b (up 13% from FY 2021). Net income: ₱3.68b (up 139% from FY 2021). Profit margin: 27% (up from 13% in FY 2021). The increase in margin was primarily driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 3% per year but the company’s share price has increased by 19% per year, which means it is tracking significantly ahead of earnings growth.
Upcoming Dividend • Jan 31Upcoming dividend of ₱0.75 per share at 5.3% yieldEligible shareholders must have bought the stock before 07 February 2023. Payment date: 27 February 2023. Payout ratio is a comfortable 41% and this is well supported by cash flows. Trailing yield: 5.3%. Lower than top quartile of Filipino dividend payers (5.4%). Higher than average of industry peers (2.3%).
お知らせ • Jan 27+ 1 more updatePhilippine Savings Bank, Annual General Meeting, Apr 27, 2023Philippine Savings Bank, Annual General Meeting, Apr 27, 2023, at 15:00 China Standard Time.
Reported Earnings • Nov 16Third quarter 2022 earnings released: EPS: ₱2.38 (vs ₱0.89 in 3Q 2021)Third quarter 2022 results: EPS: ₱2.38 (up from ₱0.89 in 3Q 2021). Revenue: ₱3.40b (up 8.9% from 3Q 2021). Net income: ₱1.02b (up 167% from 3Q 2021). Profit margin: 30% (up from 12% in 3Q 2021). The increase in margin was primarily driven by lower expenses. Over the last 3 years on average, earnings per share has fallen by 15% per year but the company’s share price has increased by 2% per year, which means it is well ahead of earnings.
Board Change • Nov 16Less than half of directors are independentThere is 1 new director who has joined the board in the last 3 years. The new board member was an independent director. The company's board is composed of: 1 new director. 4 experienced directors. 4 highly experienced directors. 4 independent directors (5 non-independent directors). Independent Director Francisco Magsajo was the last independent director to join the board, commencing their role in 2021. The following issues are considered to be risks according to the Simply Wall St Risk Model: Minority of independent directors. Insufficient board refreshment.
Upcoming Dividend • Oct 26Upcoming dividend of ₱0.75 per shareEligible shareholders must have bought the stock before 02 November 2022. Payment date: 21 November 2022. Payout ratio is a comfortable 51% and this is well supported by cash flows. Trailing yield: 5.4%. Lower than top quartile of Filipino dividend payers (5.9%). Higher than average of industry peers (2.6%).
お知らせ • Oct 21Philippine Savings Bank Declares Regular Cash Dividend for the Third Quarter of 2022, Payable on 21 November 2022The Board of Directors of Philippine Savings Bank, in its meeting held on 20 October 2022, passed a resolution declaring a 7.5% regular CashDividend for the third quarter of 2022 amounting to PHP 320.14 million equivalent to PHP 0.75 per share. This will be payable to all common stockholders as of the Record Date of 07 November 2022 and will be paid no later than the Payment Date of 21 November 2022.
お知らせ • Aug 26+ 1 more updatePhilippine Savings Bank Promotes Edeza A. Que to Senior Vice President, Effective September 1, 2022The Board of Directors of Philippine Savings Bank, in its meeting held on August 25, 2022, passed a resolution approving the promotion of First Vice President Edeza A. Que to Senior Vice President effective of September 1, 2022. Currently, Ms. Que is the Chief Risk and Sustainability Officer (CRSO). Under her leadership, Risk Management Office (RMO) has consistently ensured the Bank's compliance with new regulatory issuances/circulars on risk management. RMO also ensures that the Bank's credit risk taking activities are optimized and in accordance with the prevailing market conditions. With regulatory mandates on Sustainability Reporting and Sustainable Finance, Ms. Que was tasked to lead the Bank's compliance and commitment to sustainability with her designation as CRSO in 2021. Ms. Que was instrumental in developing the Bank's Sustainable Finance Framework and Environmental and Social Risk Management Policy Manual.
Reported Earnings • Aug 14Second quarter 2022 earnings released: EPS: ₱2.22 (vs ₱1.03 in 2Q 2021)Second quarter 2022 results: EPS: ₱2.22 (up from ₱1.03 in 2Q 2021). Revenue: ₱3.44b (up 25% from 2Q 2021). Net income: ₱948.3m (up 115% from 2Q 2021). Profit margin: 28% (up from 16% in 2Q 2021). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has fallen by 30% per year but the company’s share price has increased by 3% per year, which means it is well ahead of earnings.
Upcoming Dividend • Jul 26Upcoming dividend of ₱0.75 per shareEligible shareholders must have bought the stock before 02 August 2022. Payment date: 22 August 2022. Payout ratio is a comfortable 64% and this is well supported by cash flows. Trailing yield: 5.3%. Within top quartile of Filipino dividend payers (5.1%). Higher than average of industry peers (1.5%).
お知らせ • Jul 22Philippine Savings Bank Declares Regular Cash Dividend for the Second Quarter of 2022, Payable on 22 August 2022The Board of Directors of Philippine Savings Bank, in its meeting held on 21 July 2022, passed a resolution declaring a 7.5% Regular Cash Dividend for the second quarter of 2022 amounting to PHP 320.14 million equivalent to PHP 0.75 per share. This will be payable to all common stockholders as of the Record Date of 05 August 2022 and will be paid no later than the Payment Date of 22 August 2022.
Reported Earnings • May 14First quarter 2022 earnings released: EPS: ₱2.08 (vs ₱1.03 in 1Q 2021)First quarter 2022 results: EPS: ₱2.08 (up from ₱1.03 in 1Q 2021). Revenue: ₱3.52b (up 32% from 1Q 2021). Net income: ₱887.7m (up 102% from 1Q 2021). Profit margin: 25% (up from 16% in 1Q 2021). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has fallen by 41% per year but the company’s share price has increased by 2% per year, which means it is well ahead of earnings.
Board Change • Apr 27Less than half of directors are independentThere is 1 new director who has joined the board in the last 3 years. The new board member was an independent director. The company's board is composed of: 1 new director. 4 experienced directors. 4 highly experienced directors. 4 independent directors (5 non-independent directors). Independent Director Francisco Magsajo was the last independent director to join the board, commencing their role in 2021. The following issues are considered to be risks according to the Simply Wall St Risk Model: Minority of independent directors. Insufficient board refreshment.
お知らせ • Apr 26Philippine Savings Bank Approves Cash Dividend for the First Quarter of 2022, Payable on May 25, 2022The Board of Directors of Philippine Savings Bank, in its meeting held on April 25, 2022, passed a resolution declaring a 7.5% Regular Cash Dividend for the first quarter of 2022 amounting to PHP 320.14 million equivalent to PHP 0.75 per share. This will be payable to all common stockholders as of the Record Date of 11 May 2022 and will be paid no later than the Payment Date of 25 May 2022.
Reported Earnings • Nov 16Third quarter 2021 earnings released: EPS ₱0.89 (vs ₱0.09 in 3Q 2020)The company reported a strong third quarter result with improved earnings, revenues and profit margins. Third quarter 2021 results: Revenue: ₱3.12b (up 60% from 3Q 2020). Net income: ₱381.4m (up ₱344.6m from 3Q 2020). Profit margin: 12% (up from 1.9% in 3Q 2020). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has fallen by 49% per year but the company’s share price has only fallen by 6% per year, which means it has not declined as severely as earnings.
Upcoming Dividend • Oct 27Upcoming dividend of ₱0.75 per shareEligible shareholders must have bought the stock before 03 November 2021. Payment date: 22 November 2021. Trailing yield: 5.2%. Within top quartile of Filipino dividend payers (4.0%). Higher than average of industry peers (1.0%).
Upcoming Dividend • Jul 27Upcoming dividend of ₱0.75 per shareEligible shareholders must have bought the stock before 03 August 2021. Payment date: 23 August 2021. Trailing yield: 5.2%. Within top quartile of Filipino dividend payers (4.2%). Higher than average of industry peers (1.1%).
Reported Earnings • May 12First quarter 2021 earnings released: EPS ₱1.03 (vs ₱1.59 in 1Q 2020)The company reported a poor first quarter result with weaker earnings, revenues and profit margins. First quarter 2021 results: Revenue: ₱2.68b (down 11% from 1Q 2020). Net income: ₱438.5m (down 32% from 1Q 2020). Profit margin: 16% (down from 22% in 1Q 2020). Over the last 3 years on average, earnings per share has fallen by 36% per year but the company’s share price has only fallen by 9% per year, which means it has not declined as severely as earnings.
Valuation Update With 7 Day Price Move • May 07Investor sentiment improved over the past weekAfter last week's 37% share price gain to ₱77.00, the stock trades at a trailing P/E ratio of 29.7x. Average trailing P/E is 14x in the Mortgage industry in Asia. Total returns to shareholders of 28% over the past three years.
お知らせ • Apr 28Philippine Savings Bank Approves Cash Dividend for the First Quarter of 2021, Payable on 26 May 2021The Board of Directors of Philippine Savings Bank, in its meeting held on 26 April 2021, passed a resolution declaring a 7.5% Regular Cash Dividend for the first quarter of 2021 amounting to PHO 320.14 million equivalent to PHP 0.75 per share. This will be payable to all common stockholders as of the Record Date of 11 May 2021 and will be paid no later than the Payment Date of 26 May 2021.
Reported Earnings • Mar 19Full year 2020 earnings released: EPS ₱2.60 (vs ₱7.21 in FY 2019)The company reported a poor full year result with weaker earnings, revenues and profit margins. Full year 2020 results: Revenue: ₱10.2b (down 18% from FY 2019). Net income: ₱1.11b (down 63% from FY 2019). Profit margin: 11% (down from 24% in FY 2019). Net interest margin (NIM): 7.26% (up from 5.82% in FY 2019). Cost-to-income ratio: 55.2% (down from 61.3% in FY 2019). Non-performing loans: 6.95% (up from 3.61% in FY 2019). Over the last 3 years on average, earnings per share has fallen by 27% per year but the company’s share price has only fallen by 10% per year, which means it has not declined as severely as earnings.
お知らせ • Jan 22Philippine Savings Bank, Annual General Meeting, Apr 26, 2021Philippine Savings Bank, Annual General Meeting, Apr 26, 2021, at 15:00 Singapore Standard Time.
Is New 90 Day High Low • Jan 06New 90-day high: ₱54.70The company is up 6.0% from its price of ₱51.80 on 09 October 2020. The Filipino market is up 21% over the last 90 days, indicating the company underperformed over that time. It also underperformed the Mortgage industry, which is up 33% over the same period.
Is New 90 Day High Low • Dec 18New 90-day high: ₱54.25The company is up 9.0% from its price of ₱49.95 on 18 September 2020. The Filipino market is up 23% over the last 90 days, indicating the company underperformed over that time. It also underperformed the Mortgage industry, which is up 39% over the same period.
Is New 90 Day High Low • Dec 04New 90-day high: ₱53.55The company is up 8.0% from its price of ₱49.70 on 04 September 2020. The Filipino market is up 21% over the last 90 days, indicating the company underperformed over that time. It also underperformed the Mortgage industry, which is up 23% over the same period.
Reported Earnings • Nov 14Third quarter 2020 earnings released: EPS ₱0.09The company reported a poor third quarter result with weaker earnings, revenues and profit margins. Third quarter 2020 results: Revenue: ₱1.96b (down 40% from 3Q 2019). Net income: ₱36.8m (down 96% from 3Q 2019). Profit margin: 1.9% (down from 25% in 3Q 2019). The decrease in margin was driven by lower revenue. Over the last 3 years on average, earnings per share has fallen by 18% per year whereas the company’s share price has fallen by 13% per year.
Is New 90 Day High Low • Nov 12New 90-day high: ₱53.50The company is up 12% from its price of ₱47.70 on 14 August 2020. The Filipino market is up 14% over the last 90 days, indicating the company underperformed over that time. It also underperformed the Mortgage industry, which is up 26% over the same period.
Is New 90 Day High Low • Oct 23New 90-day high: ₱52.45The company is up 10.0% from its price of ₱47.50 on 24 July 2020. The Filipino market is up 6.0% over the last 90 days, indicating the company outperformed over that time. However, its price trend is similar to the Mortgage industry, which is also up 10.0% over the same period.
