Stock PNB PHILIPPINE NATIONAL BANK
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Financials Philippine National Bank

Equities

PNB

PHY7027H1583

Banks

End-of-day quote Philippines S.E.
Other stock markets
 06:00:00 2024-05-02 pm EDT 		5-day change 1st Jan Change
22.1 PHP +3.03% Intraday chart for Philippine National Bank +13.10% +19.46%
Mar. 22 Philippine National Bank Approves Executive Changes CI
Mar. 19 LT Group's Net Income Rises Marginally in 2023 MT

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 52,639 44,781 30,668 28,990 28,227 33,719 - -
Enterprise Value (EV) 1 52,639 44,781 30,668 28,990 28,227 33,719 33,719 33,719
P/E ratio 4.89 x 17.2 x 0.97 x 2.51 x 1.57 x 2.35 x 2.32 x 2.33 x
Yield - - - - - - - -
Capitalization / Revenue 1.28 x 0.98 x 0.4 x 0.56 x 0.49 x 0.6 x 0.58 x 0.55 x
EV / Revenue 1.28 x 0.98 x 0.4 x 0.56 x 0.49 x 0.6 x 0.58 x 0.55 x
EV / EBITDA - - - - - - - -
EV / FCF - - - - - - - -
FCF Yield - - - - - - - -
Price to Book 0.35 x 0.29 x 0.19 x 0.17 x 0.15 x 0.17 x 0.16 x 0.15 x
Nbr of stocks (in thousands) 1,525,765 1,525,765 1,525,765 1,525,765 1,525,765 1,525,765 - -
Reference price 2 34.50 29.35 20.10 19.00 18.50 22.10 22.10 22.10
Announcement Date 3/10/20 3/18/21 3/15/22 3/16/23 2/26/24 - - -
1PHP in Million2PHP
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net sales 1 41,112 45,552 76,996 52,079 57,360 56,446 57,910 61,149
EBITDA - - - - - - - -
EBIT 1 14,642 17,642 50,850 23,713 28,933 25,674 24,813 25,338
Operating Margin 35.61% 38.73% 66.04% 45.53% 50.44% 45.48% 42.85% 41.44%
Earnings before Tax (EBT) 1 12,232 759.7 37,971 16,515 21,973 18,639 18,589 18,786
Net income 1 9,681 2,615 31,631 11,532 17,966 14,334 14,515 14,448
Net margin 23.55% 5.74% 41.08% 22.14% 31.32% 25.39% 25.06% 23.63%
EPS 2 7.050 1.710 20.73 7.560 11.78 9.395 9.532 9.473
Free Cash Flow - - - - - - - -
FCF margin - - - - - - - -
FCF Conversion (EBITDA) - - - - - - - -
FCF Conversion (Net income) - - - - - - - -
Dividend per Share 2 - - - - - - - -
Announcement Date 3/10/20 3/18/21 3/15/22 3/16/23 2/26/24 - - -
1PHP in Million2PHP
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 Q3 2021 Q4 2022 Q1 2022 Q2 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4
Net sales 1 11,322 10,344 - 15,813 15,402 13,886 14,005 14,067 14,219 - - -
EBITDA - - - - - - - - - - - -
EBIT 1 4,894 4,008 - 7,974 7,462 6,912 7,503 7,056 6,312 - - -
Operating Margin 43.23% 38.75% - 50.43% 48.45% 49.78% 53.57% 50.16% 44.39% - - -
Earnings before Tax (EBT) 1 - - - 10,738 5,847 6,959 3,919 5,248 4,546 - - -
Net income 1 2,169 7,384 2,800 8,238 4,799 4,956 3,765 4,446 3,497 - - -
Net margin 19.16% 71.39% - 52.1% 31.16% 35.69% 26.88% 31.6% 24.59% - - -
EPS 2 - - 1.840 - - 3.250 2.470 2.920 2.292 2.574 2.591 2.273
Dividend per Share - - - - - - - - - - - -
Announcement Date 11/12/21 3/15/22 5/13/22 8/15/22 5/12/23 8/11/23 11/10/23 2/26/24 - - - -
1PHP in Million2PHP
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net Debt - - - - - - - -
Net Cash position - - - - - - - -
Leverage (Debt/EBITDA) - - - - - - - -
Free Cash Flow - - - - - - - -
ROE (net income / shareholders' equity) 7.1% 1.7% 20.4% 7.11% 10.2% 7.53% 7.09% 6.4%
ROA (Net income/ Total Assets) 1% 0.22% 2.61% 0.99% 1.53% 1.12% 1.07% 0.99%
Assets 1 968,148 1,188,479 1,210,973 1,167,948 1,177,855 1,278,697 1,355,239 1,461,900
Book Value Per Share 2 99.70 100.0 104.0 109.0 123.0 129.0 139.0 152.0
Cash Flow per Share - - - - - - - -
Capex - - - - - - - -
Capex / Sales - - - - - - - -
Announcement Date 3/10/20 3/18/21 3/15/22 3/16/23 2/26/24 - - -
1PHP in Million2PHP
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for Philippine National Bank

Trading Rating
Investor Rating
ESG Refinitiv
C+
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
BUY
Number of Analysts
4
Last Close Price
22.1 PHP
Average target price
25.72 PHP
Spread / Average Target
+16.40%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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Commercial Banks
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