Security Bank Corporation (SYBJF) Stock Analysis
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Security Bank Corporation (SYBJF) trades at $0.99. Security Bank Corporation provides a range of banking and financial services to wholesale and retail clients in the Philippines. Market cap: $746M, Sector: Financial services.
Price as of Aug 21, 2026 · Last analyzed: Mar 16, 2026Analyst Coverage for SYBJF: SYBJF does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates SYBJF against Financial Services peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
Not enough scored data yet to form a council read on SYBJF.
How is this calculated? →Security Bank Corporation (SYBJF) Financial Services Profile
Security Bank Corporation, established in 1951 and headquartered in the Philippines, delivers comprehensive banking and financial solutions. With a focus on wholesale and retail clients, the company leverages its extensive network of branches and ATMs. It distinguishes itself through diverse financial offerings and a robust presence in the Philippine market.
What Is the Investment Thesis for SYBJF?
Security Bank Corporation presents a compelling investment case based on its established position in the Philippine banking sector and its diversified range of financial services. With a P/E ratio of 0.08 and a dividend yield of 4.48%, the company offers potential value and income. The bank's focus on both wholesale and retail clients provides a balanced revenue stream, while its expansion in digital banking and bancassurance products positions it for future growth. However, investors may want to evaluate the risks associated with the Philippine economy and the competitive landscape. The company's beta of 0.60 suggests lower volatility compared to the overall market. Ongoing: Continued expansion of digital banking services and strategic partnerships are expected to drive growth.
Based on FMP financials and quantitative analysis
SYBJF Key Highlights
Market Cap of $746M reflects the company's valuation in the Philippine banking sector.
- P/E Ratio of 0.08 indicates potential undervaluation compared to its earnings.
- Profit Margin of 12.4% demonstrates the company's ability to generate profit from its revenue.
- Gross Margin of 56.5% shows efficient cost management in its operations.
- Dividend Yield of 4.48% provides an attractive income stream for investors.
Who Are SYBJF's Competitors?
SYBJF is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| BSMAF Bursa Malaysia Berhad | $2.18 | +0.00% | $1.76B | 48 |
| DEFTF DeFi Technologies Inc. | $3.60 | -6.25% | $1.18B | 63 |
| HMCBF Home Capital Group Inc. | $32.52 | +0.34% | $1.24B | 48 |
| HYKUF The Hyakugo Bank, Ltd. | $4.70 | +0.00% | $1.13B | 53 |
| LAUCF Laurentian Bank of Canada | $17.77 | +0.00% | $1.41B | 48 |
| WASH Washington Trust Bancorp, Inc. | $39.19 | -2.39% | $747M | 91 |
| SHBI Shore Bancshares, Inc. | $23.14 | +0.43% | $774M | 95 |
| PFIS Peoples Financial Services Corp. | $70.02 | +0.53% | $701M | 92 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are SYBJF's Key Strengths?
Established presence in the Philippine banking sector.
- Diversified range of financial products and services.
- Extensive network of branches and ATMs.
- Strong relationships with corporate and retail clients.
What Are SYBJF's Weaknesses?
Exposure to the Philippine economy's volatility.
- Dependence on traditional banking channels.
- Limited international presence compared to larger competitors.
- Potential for increased competition from fintech companies.
What Could Drive SYBJF Stock Higher?
Expansion of digital banking services to attract younger customers.
- Strategic partnerships with insurance companies to boost bancassurance revenue.
- Growth in SME lending driven by government initiatives and economic development.
- Investment in cybersecurity to protect customer data and maintain trust.
- Geographic expansion into underserved areas to increase market reach.
What Are the Key Risks for SYBJF?
Financial-distress signal — its Altman Z-Score of 0.28 sits in the distress zone (elevated bankruptcy risk).
- Economic downturn in the Philippines could negatively impact loan growth and asset quality.
- Increasing competition from local and international banks could erode market share.
- Regulatory changes and compliance costs could reduce profitability.
- Cybersecurity threats and data breaches could damage reputation and result in financial losses.
- Limited liquidity in the OTC market could make it difficult to buy or sell shares.
What Are the Growth Opportunities for SYBJF?
- Expansion of Digital Banking Services: Security Bank can leverage the increasing adoption of digital banking in the Philippines to expand its customer base and reduce operational costs. The digital banking market is projected to grow significantly by 2028, driven by increasing internet penetration and smartphone usage. By investing in user-friendly mobile banking platforms and online services, Security Bank can attract younger, tech-savvy customers and enhance customer loyalty. Timeline: Ongoing.
- Strategic Partnerships and Bancassurance: Collaborating with insurance companies to offer bancassurance products can generate additional revenue streams and enhance customer value. The bancassurance market in the Philippines is expected to grow, driven by increasing awareness of insurance products and the convenience of purchasing insurance through banks. Security Bank can leverage its existing customer base and branch network to promote bancassurance products. Timeline: Ongoing.
- Focus on SME Lending: Expanding its lending portfolio to small and medium-sized enterprises (SMEs) can drive loan growth and support economic development. SMEs are a significant contributor to the Philippine economy, and there is a growing demand for financing among these businesses. Security Bank can offer tailored loan products and financial advisory services to SMEs, fostering long-term relationships and generating sustainable growth. Timeline: Ongoing.
- Increased Investment in Cybersecurity: With the rise of cyber threats, investing in robust cybersecurity measures is crucial to protect customer data and maintain trust. The cybersecurity market in the Philippines is growing, driven by increasing awareness of cyber risks and regulatory requirements. Security Bank can enhance its cybersecurity infrastructure and implement advanced threat detection and prevention systems. Timeline: Ongoing.
- Geographic Expansion: Expanding its branch network and ATM presence in underserved areas of the Philippines can increase its market reach and customer base. While digital banking is growing, many Filipinos still prefer traditional banking channels, especially in rural areas. Security Bank can strategically open new branches and deploy ATMs in these areas to capture new customers and provide convenient banking services. Timeline: Ongoing.
What Are SYBJF's Competitive Advantages?
- Established brand reputation in the Philippine banking sector.
- Extensive network of branches and ATMs across the Philippines.
- Diversified range of financial products and services.
- Strong relationships with corporate and institutional clients.
What Does SYBJF Do?
Security Bank Corporation was founded in 1951 and has grown to become a major player in the Philippine banking sector. Headquartered in Makati City, the company provides a wide array of financial products and services to both wholesale and retail clients. Its operations are divided into four key segments: Financial Markets, Wholesale Banking, Retail Banking, and All Other. The Financial Markets segment offers services such as money market transactions, foreign exchange, financial derivatives, securities distribution, asset management, and trust and fiduciary services. The Wholesale Banking segment focuses on providing services to corporate, institutional, public sector, small-and-medium enterprise, and middle market clients, including relationship management, trade finance, cash management, deposit-taking, leasing, structured financing, and advisory services. The Retail Banking segment caters to individual, retail, and small business customers, offering deposit-taking and servicing activities, commercial and consumer loans, credit card facilities, and bancassurance products. As of December 31, 2021, Security Bank operated a network of 316 online branches and 699 automated teller machines, demonstrating its extensive reach across the Philippines.
What Products and Services Does SYBJF Offer?
- Provides money market and foreign exchange services.
- Offers financial derivatives and securities distribution.
- Manages assets and provides trust and fiduciary services.
- Provides relationship management and trade financing.
- Offers cash management and deposit-taking services.
- Provides commercial and consumer loans.
- Offers credit card facilities and bancassurance products.
- Provides investment banking and financial services.
How Does SYBJF Make Money?
- Generates revenue through interest income from loans.
- Earns fees from financial services such as asset management and investment banking.
- Profits from trading activities in financial markets.
- Collects fees from credit card services and bancassurance products.
What Industry Does SYBJF Operate In?
Security Bank Corporation operates within the Philippine banking industry, which is characterized by increasing competition and evolving regulatory landscape. The industry is experiencing growth in digital banking and mobile payments, driven by increasing internet penetration and smartphone adoption. Security Bank competes with both local and international banks, including Bank of the Philippine Islands and Metropolitan Bank and Trust Company. The Philippine economy's growth and stability significantly impact the banking sector's performance. The company's focus on both wholesale and retail banking positions it to capitalize on diverse market segments.
Who Are SYBJF's Key Customers?
- Corporate clients seeking wholesale banking services.
- Institutional investors participating in financial markets.
- Small and medium-sized enterprises requiring financing.
- Retail customers seeking personal banking services.
- High-net-worth individuals seeking wealth management services.
Forward Outlook
Wall Street analysts project Security Bank Corporation revenue of about $72.01B for fiscal 2026, with EPS near $16.39.
Financial Health
Security Bank Corporation's Piotroski F-Score is 7/9, a 9-point checklist of profitability, leverage and efficiency — signaling solid underlying fundamentals. Its Altman Z-Score of 0.28 places it in the distress zone, a signal of elevated financial risk.
Key Financial Metrics
Return on equity for Security Bank Corporation stands at 7.6%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 1.0%, showing how much profit it generates from its asset base. SYBJF trades at a trailing price-to-earnings ratio of 0.07, below the Financial Services sector average of ~18x. Its free cash flow yield is 86.4%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.98 means current liabilities exceed short-term assets, a liquidity point worth watching.
Security Bank Corporation (SYBJF) Valuation Context
Valued at $746M, SYBJF is classified as a small-cap stock.
Company Profile
Security Bank Corporation operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Makati City, PH. The company is led by CEO Meng Teck Lee. SYBJF has traded publicly since 2009.
SYBJF Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Established presence in the Philippine banking sector.
- Diversified range of financial products and services.
- Extensive network of branches and ATMs.
- Strong relationships with corporate and retail clients.
Bear Case
- Exposure to the Philippine economy's volatility.
- Dependence on traditional banking channels.
- Limited international presence compared to larger competitors.
- Potential for increased competition from fintech companies.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · August 2026
SYBJF Latest News
No recent news available for SYBJF.
SYBJF Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for SYBJF.
Price Targets
Wall Street price target analysis for SYBJF.
SYBJF MoonshotScore
What does this score mean?
The MoonshotScore rates SYBJF 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: Meng Teck Lee
CEO
Meng Teck Lee serves as the CEO of Security Bank Corporation, leading a workforce of 8684 employees. Information regarding his detailed career history, education, and previous roles is not available in the provided data. However, his leadership role indicates significant experience in the banking and financial services sector. His responsibilities include overseeing the strategic direction of the company and ensuring its operational efficiency.
Track Record: Specific achievements, strategic decisions, and company milestones under Meng Teck Lee's leadership are not available in the provided data. However, as CEO, he is responsible for guiding the company's growth and maintaining its competitive position in the Philippine banking market. His leadership is crucial for navigating the evolving regulatory landscape and capitalizing on growth opportunities in digital banking and other areas.
SYBJF OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that Security Bank Corporation may not meet the minimum financial standards required for higher tiers like OTCQX or OTCQB. Companies in this tier may have limited reporting requirements, which can make it more difficult for investors to obtain reliable information. Trading on the OTC Other tier carries higher risks compared to exchanges like the NYSE or NASDAQ due to less stringent listing standards and potentially lower liquidity.
- OTC Tier: OTC Other
- Limited financial disclosure increases information asymmetry.
- Lower liquidity can lead to difficulty in buying or selling shares.
- Higher price volatility due to lower trading volume.
- Potential for fraud or manipulation due to less regulatory oversight.
- OTC market stocks may be subject to delisting or trading suspensions.
- Verify the company's registration and legal status.
- Obtain and review available financial statements.
- Assess the company's business model and competitive position.
- Evaluate the management team's experience and track record.
- Understand the risks associated with the OTC market.
- Consult with a financial advisor before investing.
- Monitor news and regulatory filings related to the company.
- Established history of operations since 1951.
- Presence of a recognized CEO, Meng Teck Lee.
- Operation of a network of 316 online branches and 699 ATMs.
- Provision of a wide range of banking and financial services.
- Listing on the OTC market, indicating some level of public availability.
SYBJF Financial Services Stock FAQ
What does Security Bank Corporation do?
Security Bank Corporation provides a comprehensive suite of banking and financial services to both wholesale and retail clients in the Philippines. Its services include deposit accounts, loans, credit cards, investment products, and trust services. The company operates through various segments, including Financial Markets, Wholesale Banking, and Retail Banking, offering tailored solutions to meet the diverse needs of its customers.
What are the main risks for SYBJF?
The main risks for Security Bank Corporation include exposure to the Philippine economy's volatility, increasing competition from local and international banks, regulatory changes and compliance costs, and cybersecurity threats. As an OTC-listed stock, SYBJF also faces risks related to limited liquidity and potential for price volatility.
What are the key factors to evaluate for SYBJF?
Evaluate SYBJF on fundamentals, analyst consensus, and risk factors. Security Bank Corporation presents a compelling investment case based on its established position in the Philippine banking sector and its diversified range of financial services. Not financial advice.
How frequently does SYBJF data refresh on this page?
SYBJF's price was last updated on Aug 21, 2026 and refreshes on page view during U.S. market hours — it is not a real-time exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven SYBJF's recent stock price performance?
Security Bank Corporation (SYBJF) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Established presence in the Philippine banking sector. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider SYBJF overvalued or undervalued right now?
Security Bank Corporation (SYBJF) has no trailing P/E available here, so lean on price-to-sales and cash flow in the Financials tab. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
How do I research SYBJF before investing?
Before investing in Security Bank Corporation (SYBJF), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) analyst consensus ratings and price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Why might investors consider adding SYBJF to a portfolio?
Key strength of Security Bank Corporation (SYBJF): Established presence in the Philippine banking sector. Weigh rewards against risks and diversify. Not financial advice.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Information is based on available data as of 2026-03-16.
- AI analysis is pending for SYBJF, which may provide additional insights.
- OTC market investments carry higher risks compared to exchange-listed stocks.