Rizal Commercial Banking Corporation

PSE:RCB Stock Report

Market Cap: ₱56.6b

Rizal Commercial Banking Past Earnings Performance

Past criteria checks 5/6

Rizal Commercial Banking has been growing earnings at an average annual rate of 9.7%, while the Banks industry saw earnings growing at 15.8% annually. Revenues have been growing at an average rate of 11% per year. Rizal Commercial Banking's return on equity is 7.3%, and it has net margins of 21.8%.

Key information

9.67%

Earnings growth rate

5.94%

EPS growth rate

Banks Industry Growth13.51%
Revenue growth rate11.03%
Return on equity7.25%
Net Margin21.80%
Last Earnings Update31 Mar 2026

Recent past performance updates

Recent updates

Revenue & Expenses Breakdown

How Rizal Commercial Banking makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

PSE:RCB Revenue, expenses and earnings (PHP Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
31 Mar 2648,89310,66016,4170
31 Dec 2548,3269,81416,1620
30 Sep 2549,01710,38914,9800
30 Jun 2547,5659,30614,7800
31 Mar 2546,2698,63414,5920
31 Dec 2445,0718,42414,4930
30 Sep 2444,0908,27915,5490
30 Jun 2444,3339,36314,9500
31 Mar 2441,9978,63214,5350
31 Dec 2342,93011,15013,2580
30 Sep 2338,5259,71613,7340
30 Jun 2338,85611,63313,4370
31 Mar 2341,36413,57013,2800
31 Dec 2238,21711,04312,8300
30 Sep 2238,58410,07212,4020
30 Jun 2235,2657,89212,4210
31 Mar 2231,6576,65412,4530
31 Dec 2131,3816,11812,5350
30 Sep 2129,4626,03513,0830
30 Jun 2127,9344,91412,9070
31 Mar 2127,7953,50012,5680
31 Dec 2028,5384,70012,6570
30 Sep 2028,0884,87712,4450
30 Jun 2030,0575,83612,5090
31 Mar 2029,8506,39012,5950
31 Dec 1929,0775,38712,4140
30 Sep 1929,1005,62312,5430
30 Jun 1926,7934,81912,3820
31 Mar 1925,6694,49212,2780
31 Dec 1824,5964,32012,0770
30 Sep 1824,1414,11211,9290
30 Jun 1823,5904,12411,6980
31 Mar 1823,6364,43911,5420
31 Dec 1722,9664,30811,4130
30 Sep 1721,8183,77411,1280
30 Jun 1721,4023,60610,8700
31 Mar 1720,6693,06910,5590
31 Dec 1621,0513,86810,3210
30 Sep 1621,0914,05110,2360
30 Jun 1620,8974,2699,9000
31 Mar 1620,4034,3869,5550
31 Dec 1520,1074,1879,2380
30 Sep 1520,3303,8389,0670

Quality Earnings: RCB has high quality earnings.

Growing Profit Margin: RCB's current net profit margins (21.8%) are higher than last year (18.7%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: RCB's earnings have grown by 9.7% per year over the past 5 years.

Accelerating Growth: RCB's earnings growth over the past year (23.5%) exceeds its 5-year average (9.7% per year).

Earnings vs Industry: RCB earnings growth over the past year (23.5%) exceeded the Banks industry 5.5%.

Return on Equity

High ROE: RCB's Return on Equity (7.3%) is considered low.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/07/18 20:27
End of Day Share Price 2026/07/17 00:00
Earnings2026/03/31
Annual Earnings2025/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

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.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Rizal Commercial Banking Corporation is covered by 6 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Alfred DyCLSA
null nullCLSA
null nullDBS Bank Ltd