Should I Buy Security Bank Stock in 2025? Expert Insights for PH Investors

What is Security Bank?

How much is Security Bank stock?

The price of Security Bank stock is unchanged this week. As of today, SECB trades at ₱63.50 per share, with a 24-hour change of 0.00% and a weekly decline of 3.8%. The bank’s market capitalization stands at ₱47.85 billion, and it maintains a 3-month average daily volume of 468,300 shares. The current P/E Ratio is 4.19, while the dividend yield is 4.72% and the stock beta sits at 0.59, indicating lower volatility than the overall market. Despite neutral to slightly bearish technical signals, Security Bank’s strong fundamentals may offer stable investment potential for risk-averse investors in the Philippines.

Our full analysis on Security Bank stock

Having thoroughly reviewed Security Bank’s latest financial disclosures alongside the stock’s three-year trajectory, our analytic process has correlated relevant financial metrics, technical indicators, and market data—integrating these with competitor benchmarking through our proprietary quant models. The data paints a dynamic picture of Security Bank Corporation’s pivotal positioning within the Philippine banking sector at a moment of strategic transformation. So, why might Security Bank stock once again become a strategic entry point into Philippine financials as 2025 unfolds?

Recent Performance and Market Context

Despite 2025’s initial turbulence in Philippine equities, Security Bank (SECB) demonstrates robust fundamentals coupled with tactical sector repositioning. The stock, currently priced at ₱63.50, has experienced short-term pressure—down 3.8% week-on-week and -11.81% over six months. However, this drawdown is contrasted by underlying operational momentum and signals of stabilization.

• Q1 2025 results revealed a striking 23% YoY revenue increase and 7% net profit growth, sharply outpacing sector averages.
• The acquisition of a 25% stake in HC Consumer Finance Philippines, Inc. (in alliance with strategic partner MUFG Bank) for ₱10.4 billion delivers direct exposure and diversification into high-yield consumer finance, a resilient market even amid economic volatility.
• A regular cash dividend of ₱1.50/share (4.72% yield) underscores both profitability and commitment to shareholder returns, further enhanced by prudent risk management.

• Philippine GDP growth remains buoyant (estimated at 6.3% for 2025).
• The BSP maintains a supportive monetary policy, with interest environment remaining competitive for loan book expansion.
• Accelerated digitization across finance provides tailwinds for banks investing in technology and customer acquisition, notably within burgeoning MSME and retail sectors.

Taken together, the stock’s recent price consolidation amid notably stronger earnings, prudent lending, and targeted strategic investments suggests Security Bank is transitioning from defensive posture toward a growth-oriented phase.

Technical Analysis

While technical momentum has been restrained in the short term, the underlying structure offers promising entry points for strategic investors:

• RSI (14) at 44.72 points to a stock neither oversold nor overbought, sitting close to a level where mean reversion and accumulation often materialize.
• MACD (-0.78) presents residual bearishness, yet proximity to key support levels (₱63.30-₱63.45) hints at a robust technical base, especially as recent trading has respected this floor.
• Moving averages: The 5- and 20-day MAs (₱63.46, ₱63.17) suggest near-term bullish inflection, setting up potential for a reversal should buying pressure emerge. Long-term MAs (50-, 100-, 200-day: trading above current price) signal that a breakout above ₱64.10 may catalyze institutional flows.
• Neutral to Slightly Bearish Outlook: With 7 sell vs. 5 buy signals among moving averages, the technical consensus is cautious—yet such periods historically precede accumulation phases for stocks with strong underlying fundamentals.
• Momentum Structure: The recent stabilization of price around key support, coupled with a low beta of 0.59, points to a phase where downside appears contained while upside catalysts are building.

Investors attuned to technical triggers may find this consolidation zone an attractive entry, particularly if SECB’s price action confirms a bounce above resistance at ₱64.10.

Fundamental Analysis

Security Bank’s financial profile stands out for resilience, value, and disciplined risk controls:

• Revenue Growth: Q1 revenue surged 23% YoY, propelled by strong net interest income (₱11.9 billion, +11% YoY) and a stellar 101% jump in non-interest income—a testament to successful efforts in diversifying beyond traditional lending.
• Profitability: The net profit for Q1 reached ₱2.8 billion (+7% YoY), while net interest margin held at 4.51%, remaining among the industry’s best.
• Valuation: SECB trades at a P/E of just 4.19—substantially below both the sector average and Philippine index constituents—implying deep value for investors seeking margin of safety and future rerating potential. The price-to-sales ratio (~1.5x) remains equally compelling given the bank’s growth trajectory.
• Dividend Yield: At 4.72%, Security Bank offers one of the more attractive yields in the sector, easily outpacing inflation and peer averages while leaving ample retention for reinvestment.
• Balance Sheet Strength: With total assets crossing ₱1.1 trillion (+25% YoY), deposits up 32% YoY, and capital adequacy at a robust 14.1%, Security Bank’s foundation is both defensive and scalable.
• Loan Portfolio: The strategic tilt toward retail and MSME loans (now 36% of total portfolio; +37% YoY) diversifies risk, enhances yields, and adapts to evolving consumption patterns in the Philippines.
• Asset Quality: A declining gross non-performing loan ratio (now at 3.10%, from 3.41%) and an NPL reserve cover of 79% reflect prudent risk management.

Coupled with its ongoing digital transformation and strong franchise brand, Security Bank is leveraging structural advantages that support premium valuation multiples and sustainable growth.

Volume and Liquidity

• Trading Volume: An average daily turnover of over 468,000 shares signals sustained market confidence and facilitates tactical positioning without undue slippage risk.
• Float and Valuation Dynamics: The presence of a substantial institutional shareholder base (notably MUFG from Japan) introduces robustness to SECB’s investor profile, while the moderate float allows for dynamic reaction to positive earnings surprises or sectoral momentum shifts.

Security Bank’s liquidity profile ensures efficient entry/exit points for both private and institutional investors, underpinning its attractiveness as a liquid, value-driven blue-chip.

Catalysts and Positive Outlook

Security Bank is poised for outperformance through multiple vectors:

• Strategic Expansion: The recent acquisition in consumer finance expands the bank’s footprint in high-margin lending, while the ongoing push into MSME and retail segments opens broader avenues for growth, especially in underserved areas.
• Digital Initiatives: Significant technology investments are laying the groundwork for scalable operations and deepening customer engagement, reinforcing market share gains against both incumbents and fintech disruptors.
• Leadership and Governance: Strong continuity is ensured with the appointment of Cirilo P. Noel as Chairman and ongoing stewardship by Sanjiv Vohra as CEO. A diverse board structure promotes agility and governance best practice.
• Analyst Consensus: Market analysts project annual earnings growth in excess of 12.5%, and prevailing price targets imply a potential upside of up to 67.5% from current levels—suggesting the market may be underappreciating Security Bank’s forward earnings power.
• ESG and Sustainable Finance: Security Bank’s alignment with best practices, notably in governance and strategic partnerships (e.g., with MUFG), positions it to benefit from rising investor prioritization of ESG credentials, further attracting medium- and long-term capital inflows.
• Sector Tailwinds: Accelerating digital adoption, expected regulatory support, and resilient domestic demand make Philippine banking among the most attractive regional plays.

As these catalysts mature, investor recognition of Security Bank’s value prerogative is likely to follow.

Investment Strategies

Short-Term Entry

• The share price is hovering near strong support, with oversold technical conditions and muted volatility making it a compelling tactical allocation for traders anticipating a technical rebound.
• A breach above ₱64.10 may confirm momentum reversal, supported by robust daily liquidity.

Medium-Term Perspective

• Anticipation of further clarity on digital transformation outcomes, continued loan growth, and forthcoming quarterly results could drive valuation rerating. Positioning now enables participation before consensus upgrades and dividend declarations amplify investor interest.

Long-Term View

• For those seeking sustained value creation, Security Bank’s commitment to innovation, sound financials, and deepening retail/MSME penetration form a diversified, defensive, and growth-centric foundation.
• Participation at current levels offers exposure to well-covered dividends, secular Philippine banking sector growth, and a proven management team steering a transformative strategy.

Ideal Positioning: For investors awaiting the convergence of technical support and strategic transformation, current pricing near multi-year support coincides with the inflection point of Security Bank’s multi-pronged growth plan.

Is it the Right Time to Buy Security Bank?

Security Bank’s unique blend of compelling valuation, robust dividend yield, strong asset quality, and sector leadership positions it as one of the more promising opportunities in the Philippine blue-chip universe. The confluence of superior fundamentals, favorable macro context, and imminent growth catalysts makes the present consolidation period potentially optimal for investors seeking standout value and growth.

While the stock’s short-term price action has tracked lateral, the fundamentals justify renewed interest. Increasing retail and MSME lending, focused digital investments, and accretive partnerships continue to strengthen the core business, while technical signals suggest downside appears limited.

In sum, for investors seeking access to the next phase of Philippine banking innovation, Security Bank seems to represent an excellent opportunity—balancing defensive attributes with substantial upside potential. As growth headwinds subside and sector tailwinds gain force, Security Bank may be entering a new bullish phase that warrants close consideration within a diversified investment portfolio.

For those confident in the Philippine financial sector’s resilience, Security Bank stands ready to reward both conviction and patience in the period ahead.

How to buy Security Bank stock in the PH?

Buying Security Bank (SECB) stock online is both simple and secure for Filipino investors when you use a reputable, regulated broker. Today, you have two main options: you can purchase shares directly (spot buying) and own them in your name, or trade Security Bank’s price movements via contracts for difference (CFDs), which offer flexibility and leverage but do not confer actual ownership. Both methods are accessible to retail investors—but they serve different investment goals and risk profiles. To help you choose the best option, we provide a broker comparison further down this page.

Spot buying

A cash (spot) purchase involves buying actual Security Bank shares listed on the Philippine Stock Exchange (PSE). These shares will be registered in your name, and you’ll be entitled to dividends and voting rights as a shareholder. Most PH brokers charge a fixed commission per order—this typically ranges from ₱20 to ₱50 plus a small percentage of the trade value (often 0.25%).

Example: Buying Security Bank shares

If Security Bank’s share price is ₱63.50 and you invest $1,000 (about ₱57,000), you can buy approximately 897 shares, allowing for an estimated brokerage fee of around $5 (₱285).
✔️ Gain scenario:
If the share price rises by 10%, your shares are now worth $1,100.
Result: +$100 gross gain, or +10% on your investment.

Trading via CFD

CFD (Contract for Difference) trading lets you speculate on Security Bank’s share price without actually owning the shares. CFDs can be opened with online brokers offering international stock CFDs, and allow you to amplify your exposure using leverage (such as 5x). CFD providers typically make money via the “spread” (difference between buy/sell prices) and overnight financing fees if you hold positions beyond a trading day.

Example: Trading Security Bank via CFD

Suppose you open a CFD on Security Bank with $1,000 and 5x leverage. You’ll gain market exposure to $5,000 worth of SECB shares.
✔️ Gain scenario:
If the stock rises by 8%, your position earns 8% × 5 = 40%.
Result: +$400 gain on a $1,000 stake (excluding spread and potential overnight fees).

Final advice

Before investing, it’s essential to compare broker fees, commissions, and trading conditions—these have a direct impact on your returns, especially over the long term. The best method for you depends on your objectives: choose spot buying for ownership and dividends, or CFDs for flexible trading with leverage. You’ll find our up-to-date broker comparison further down the page to help you decide with confidence.

Our 7 tips for buying Security Bank stock

The latest news about Security Bank

Security Bank reports robust Q1 2025 results with 23% revenue growth and 7% net profit increase year-on-year. The bank announced total revenues of ₱15.4 billion and a net profit of ₱2.8 billion for the first quarter, driven by strong net interest income and a doubling in non-interest income. Notably, net interest income rose 11% to ₱11.9 billion, while non-interest income soared 101% year-on-year to ₱3.5 billion. Return on equity improved to 7.92%, up from 7.71% a year ago, reflecting greater profitability and effective capital deployment, reinforcing Security Bank’s resilience in the competitive Philippine financial sector.

Security Bank completed the strategic acquisition of a 25% stake in HC Consumer Finance Philippines, Inc. in May 2025. This PHP 10.4 billion deal, executed with MUFG Bank, Ltd., is expected to fuel Security Bank’s expansion in the growing consumer finance segment, enhancing its product suite and lending capabilities. The acquisition strengthens the bank’s alliance with MUFG and positions Security Bank as a more formidable player in retail and consumer lending solutions in the Philippines, directly contributing to its transformation strategy and long-term earnings potential.

Security Bank’s capital and liquidity positions significantly improved, maintaining buffers well above regulatory requirements. Capital adequacy ratio rose to 14.1% and Common Equity Tier 1 to 13.2%, both up from the previous quarter, while the liquidity coverage ratio stands at an impressive 179% and net stable funding ratio at 136%. These metrics underline financial stability and allow Security Bank to withstand market shocks or economic uncertainties, instilling confidence among analysts and investors in the Philippine market regarding the bank’s risk management and operational robustness.

Retail and MSME lending surged by 37% year-on-year, now making up 36% of total loans as part of portfolio rebalancing. This fast growth in retail and MSME segments outpaces that of wholesale loans, highlighting Security Bank’s emphasis on democratizing access to credit and tapping high-growth market segments in the Philippines. The shift towards a more balanced portfolio not only diversifies risks but also capitalizes on untapped opportunities as more Filipinos and micro, small, and medium enterprises seek accessible financing, creating a sustainable base for future earnings.

Analyst consensus forecasts annual earnings growth of 12.5% with strong price upside potential and an attractive dividend yield. Expert coverage signals a favorable outlook, projecting 12.5% annual earnings growth and price targets offering potential upside of up to 67.5% from current levels. Combined with a low price-to-earnings ratio of 4.19 and a competitive dividend yield of 4.72%, Security Bank stands out as an appealing choice for value and income investors in the Philippine stock market, particularly as the bank continues to execute on its transformation initiatives and digital investments.

FAQ

P. Laurore

Finance expert

Co-founder of HelloSafe and holder of a Master's degree in finance, Pauline has recognised expertise in personal finance, which she uses to help users better understand and optimise their financial choices. At HelloSafe, Pauline plays a key role in designing clear, educational content on savings, investments and personal finance. Passionate about financial education, Pauline strives, with every piece of content she oversees, to provide reliable, transparent and unbiased information for independent and informed financial management. To this end, she has tested over 100 trading platforms to help internet users make the right choices.