RCB Stock Overview
Rizal Commercial Banking Corporation provides a range of banking and financial products and services in the Philippines and internationally.
Rizal Commercial Banking Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||₱19.60|
|52 Week High||₱28.50|
|52 Week Low||₱17.42|
|1 Month Change||-2.97%|
|3 Month Change||-6.00%|
|1 Year Change||12.00%|
|3 Year Change||-30.25%|
|5 Year Change||-66.50%|
|Change since IPO||384.90%|
Recent News & Updates
|RCB||PH Banks||PH Market|
Return vs Industry: RCB exceeded the PH Banks industry which returned -0.7% over the past year.
Return vs Market: RCB exceeded the PH Market which returned -9.5% over the past year.
|RCB Average Weekly Movement||3.8%|
|Banks Industry Average Movement||3.9%|
|Market Average Movement||5.2%|
|10% most volatile stocks in PH Market||10.1%|
|10% least volatile stocks in PH Market||3.1%|
Stable Share Price: RCB is less volatile than 75% of PH stocks over the past 3 months, typically moving +/- 4% a week.
Volatility Over Time: RCB's weekly volatility (4%) has been stable over the past year.
About the Company
Rizal Commercial Banking Corporation provides a range of banking and financial products and services in the Philippines and internationally. It operates through Retail, Corporate, Small and Medium Enterprises, Treasury, and Others segments. The company accepts savings and checking accounts, time deposits, and foreign currency deposits.
Rizal Commercial Banking Fundamentals Summary
|RCB fundamental statistics|
Is RCB overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|RCB income statement (TTM)|
|Cost of Revenue||₱0|
Last Reported Earnings
Mar 31, 2022
Next Earnings Date
|Earnings per share (EPS)||3.27|
|Net Profit Margin||21.02%|
How did RCB perform over the long term?See historical performance and comparison
3.2%Current Dividend Yield
Is RCB undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score 2/6
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Below Fair Value
Significantly Below Fair Value
Key Valuation Metric
Which metric is best to use when looking at relative valuation for RCB?
Other financial metrics that can be useful for relative valuation.
|What is RCB's n/a Ratio?|
Price to Earnings Ratio vs Peers
How does RCB's PE Ratio compare to its peers?
|RCB PE Ratio vs Peers|
|Company||PE||Estimated Growth||Market Cap|
Price-To-Earnings vs Peers: RCB is good value based on its Price-To-Earnings Ratio (6x) compared to the peer average (30.8x).
Price to Earnings Ratio vs Industry
How does RCB's PE Ratio compare vs other companies in the Banks Industry?
Price-To-Earnings vs Industry: RCB is good value based on its Price-To-Earnings Ratio (6x) compared to the PH Banks industry average (7.2x)
Price to Earnings Ratio vs Fair Ratio
What is RCB's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.
|Current PE Ratio||6x|
|Fair PE Ratio||n/a|
Price-To-Earnings vs Fair Ratio: Insufficient data to calculate RCB's Price-To-Earnings Fair Ratio for valuation analysis.
Share Price vs Fair Value
What is the Fair Price of RCB when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: RCB (₱19.6) is trading above our estimate of fair value (₱3.62)
Significantly Below Fair Value: RCB is trading above our estimate of fair value.
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate RCB's PEG Ratio to determine if it is good value.
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How is Rizal Commercial Banking forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Future Growth Score0/6
Future Growth Score 0/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Forecasted Banks industry annual growth in earnings
In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Rizal Commercial Banking has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.
This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.
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- Check out Rizal Commercial Banking's track record over time to understand how much the company has returned to shareholders and its earnings growth rate in the past.
How has Rizal Commercial Banking performed over the past 5 years?
Past Performance Score4/6
Past Performance Score 4/6
Growing Profit Margin
Earnings vs Industry
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: RCB has a high level of non-cash earnings.
Growing Profit Margin: RCB's current net profit margins (21%) are higher than last year (12.6%).
Past Earnings Growth Analysis
Earnings Trend: RCB's earnings have grown by 7.9% per year over the past 5 years.
Accelerating Growth: RCB's earnings growth over the past year (90.1%) exceeds its 5-year average (7.9% per year).
Earnings vs Industry: RCB earnings growth over the past year (90.1%) exceeded the Banks industry 45.8%.
Return on Equity
High ROE: RCB's Return on Equity (7%) is considered low.
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How is Rizal Commercial Banking's financial position? (This company is analysed differently as a bank or financial institution)
Financial Health Score4/6
Financial Health Score 4/6
Allowance for Bad Loans
Low Risk Liabilities
Low Risk Deposits
Level of Bad Loans
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: RCB's Assets to Equity ratio (8.8x) is low.
Allowance for Bad Loans: RCB has a low allowance for bad loans (60%).
Low Risk Liabilities: 79% of RCB's liabilities are made up of primarily low risk sources of funding.
Loan Level: RCB has an appropriate level of Loans to Assets ratio (50%).
Low Risk Deposits: RCB's Loans to Deposits ratio (71%) is appropriate.
Level of Bad Loans: RCB has a high level of bad loans (6.1%).
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What is Rizal Commercial Banking current dividend yield, its reliability and sustainability?
Dividend Score 2/6
Future Dividend Coverage
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: RCB's dividend (3.15%) is higher than the bottom 25% of dividend payers in the PH market (1.53%).
High Dividend: RCB's dividend (3.15%) is low compared to the top 25% of dividend payers in the PH market (5.02%).
Stability and Growth of Payments
Stable Dividend: RCB's dividend payments have been volatile in the past 10 years.
Growing Dividend: RCB's dividend payments have fallen over the past 10 years.
Current Payout to Shareholders
Earnings Coverage: With its low payout ratio (18.8%), RCB's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years or that it will be covered by earnings.
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How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Eugene Acevedo (57 yo)
Mr. Eugene Sering Acevedo has been President and Chief Executive Officer at Rizal Commercial Banking Corporation since July 1, 2019 and has been its Executive Director since July 1, 2019. Mr. Acevedo serve...
Experienced Management: RCB's management team is considered experienced (3.4 years average tenure).
Experienced Board: RCB's board of directors are considered experienced (7.2 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have been diluted in the past year, with total shares outstanding growing by 5.3%.
Rizal Commercial Banking Corporation's employee growth, exchange listings and data sources
- Name: Rizal Commercial Banking Corporation
- Ticker: RCB
- Exchange: PSE
- Founded: 1960
- Industry: Diversified Banks
- Sector: Banks
- Implied Market Cap: ₱40.750b
- Shares outstanding: 2.04b
- Website: https://www.rcbc.com
Number of Employees
- Rizal Commercial Banking Corporation
- Yuchengco Tower
- RCBC Plaza
- Makati City
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/06/24 00:00|
|End of Day Share Price||2022/06/24 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.