Should You Buy Security Bank (SECB) Stock? A 2025 PH Investor's Guide
Is it the right time to buy Security Bank?
ScoreSecurity Bank (SECB) is emerging as a compelling player in the Philippine banking sector, currently trading around ₱75.75 with a healthy average daily volume of over 580,000 shares, indicating sustained investor engagement. The bank has recently made significant strategic moves, notably its landmark acquisition of a 25% stake in Home Credit Philippines, which powerfully positions it for accelerated growth in the high-potential consumer credit market. This, combined with its pioneering step as the first Philippine bank to join the IFC's Alliance for Green Commercial Banks, enhances its long-term appeal and ESG credentials. Market sentiment is decidedly optimistic, buoyed by strong first-quarter results that surpassed expectations and a robust 'Strong Buy' signal from technical indicators. With this positive momentum, the consensus among more than 12 national and international banks places the target price near ₱104, suggesting that current levels present a strategic entry point for investors looking for value and growth.
- ✅Strategic expansion into consumer credit via Home Credit.
- ✅Strong revenue growth, up 23% in the first quarter.
- ✅Attractive valuation with a low Price-to-Earnings ratio of 5.01.
- ✅Pioneering ESG leadership through green banking alliance.
- ✅Significant physical expansion planned with 72 new branches.
- ❌Capital ratios may face pressure from recent strategic acquisitions.
- ❌Increased provisions for potential credit losses require monitoring.
Score- ✅Strategic expansion into consumer credit via Home Credit.
- ✅Strong revenue growth, up 23% in the first quarter.
- ✅Attractive valuation with a low Price-to-Earnings ratio of 5.01.
- ✅Pioneering ESG leadership through green banking alliance.
- ✅Significant physical expansion planned with 72 new branches.
Is it the right time to buy Security Bank?
- ✅Strategic expansion into consumer credit via Home Credit.
- ✅Strong revenue growth, up 23% in the first quarter.
- ✅Attractive valuation with a low Price-to-Earnings ratio of 5.01.
- ✅Pioneering ESG leadership through green banking alliance.
- ✅Significant physical expansion planned with 72 new branches.
- ❌Capital ratios may face pressure from recent strategic acquisitions.
- ❌Increased provisions for potential credit losses require monitoring.
Score- ✅Strategic expansion into consumer credit via Home Credit.
- ✅Strong revenue growth, up 23% in the first quarter.
- ✅Attractive valuation with a low Price-to-Earnings ratio of 5.01.
- ✅Pioneering ESG leadership through green banking alliance.
- ✅Significant physical expansion planned with 72 new branches.
- What is Security Bank?
- The Price of Security Bank Stock
- Our full analysis on Security Bank stock
- How to buy Security Bank stock in the Philippines
- Our 7 tips for buying Security Bank stock
- The latest news about Security Bank
- FAQ
- On the same topic
Why trust HelloSafe ?
At HelloSafe, our expert has been tracking the performance of Security Bank for over three years. Every month, hundreds of thousands of users in the Philippines trust us to analyze market trends and identify the best investment opportunities. Our analyses are provided for informational purposes and do not constitute investment advice. In accordance with our ethical charter, we have never been, and will never be, paid by Security Bank.
What is Security Bank?
| Indicator | Value | Analysis |
|---|---|---|
| 🏳️ Nationality | Philippines | Security Bank is a leading local bank with deep roots in the Philippine financial sector. |
| 💼 Market | Philippine Stock Exchange (PSE) | PSE listing provides good liquidity and transparency for Philippine investors. |
| 🏛️ ISIN code | PHY7571C1000 | Unique identifier ensuring reliable stock tracking for trading and reporting. |
| 👤 CEO | Sanjiv Vohra | Experienced leadership has driven digital and strategic transformation since 2019. |
| 🏢 Market cap | ₱57.08 billion | Reflects its position as one of the Philippines’ top seven largest banks. |
| 📈 Revenue | ₱15.4 billion (Q1 2025) | Strong revenue growth (+23% YoY) signals robust demand and expanding business activities. |
| 💹 EBITDA | Not disclosed | EBITDA specifics are missing, but rising net profit and interest income hint at efficiency. |
| 📊 P/E Ratio (Price/Earnings) | 5.01 | Attractive low P/E suggests undervaluation and upside for patient investors. |
The Price of Security Bank Stock
The price of Security Bank stock is rising this week. As of now, Security Bank trades at ₱75.75, with a 24-hour gain of ₱2.15 (+2.92%) and a slight weekly change of -0.47%. The company’s market capitalization stands at ₱57.08 billion, supported by an average daily volume of around 589,500 shares over the past three months. Currently, the stock features a low P/E Ratio of 5.01, a solid dividend yield of 3.96%, and a beta of 0.88. With these fundamentals, Security Bank’s stock demonstrates both attractive value and moderate volatility, making it a noteworthy choice for investors seeking opportunities in the Philippine banking sector.
Our full analysis on Security Bank stock
After closely reviewing Security Bank’s latest financial results and its performance trajectory over the past three years, we have synthesized insights from multiple sources—including financial indicators, proprietary technical models, market data, and competitive benchmarking. This rigorous, multi-layered approach provides a comprehensive look at Security Bank’s contemporary investment profile. So, why might Security Bank stock once again become a strategic entry point into the Philippine financial sector in 2025?
Recent performance and market context
Security Bank has demonstrated remarkable resilience in the Philippine equity landscape, closing at ₱75.75 per share with a 24-hour gain of ₱2.15 (+2.92%) and a steady market capitalization of ₱57.08 billion. While the weekly change stands at -0.47%, the broader picture reveals a striking 19.44% increase year-on-year—outpacing many industry peers. This upward trajectory is strongly anchored by several positive market events: the completion of a 25% stake acquisition in Home Credit Philippines, breaking into consumer finance at scale, and the bold move of joining the global Alliance for Green Commercial Banks, reinforcing the bank’s commitment to ESG leadership. The macroeconomic backdrop in the Philippines remains highly conducive for banking sector expansion, underpinned by robust domestic consumption, government-led infrastructure programs, and increasing digitalization across financial services.
Technical analysis
A holistic technical evaluation of Security Bank reveals a strongly bullish structure. The 14-day RSI sits high at 69.48, usually associated with robust buying pressure and momentum continuation. The MACD, at 1.46, and the broader set of momentum indicators—Stochastics and ADX—consistently issue buy signals. All main moving averages (20-, 50-, 100-, and 200-day) remain beneath the current market price, each providing clear ‘buy’ confirmations from their respective periods. Immediate support is firmly located at ₱74.65, while resistance is encountered near the intraday high of ₱76.45—an important breakout threshold to monitor. This configuration, alongside 12 moving average and 9 technical buy indicators, places Security Bank squarely in a “Strong Buy” consensus by automated and human market analysts alike. The technical structure suggests not only ongoing bullish momentum but also controlled volatility, as evidenced by a moderate beta of 0.88.
Fundamental analysis
From a fundamental standpoint, Security Bank is demonstrating rapid revenue acceleration and solid operational execution. First-quarter 2025 results show revenue reaching ₱15.4 billion—a year-on-year increase of 23%—and net profit growing by 7% to ₱2.8 billion, despite sectoral margin pressures. Earnings per share have risen to ₱15.16, and net interest income expanded by 11% to ₱11.9 billion, aided by a net interest margin now at 4.51%. The bank’s strong profitability is matched by capital discipline and efficiency, as well as a prudent payout ratio that delivers a healthy 3.96% dividend yield to shareholders.
Valuation remains a key catalyst: Security Bank’s P/E ratio of just 5.01 is widely seen as attractive, especially relative to sector averages and regional benchmarks. This low valuation, paired with ongoing top-line growth and a visible roadmap for continued lending expansion, suggests a favorable risk/reward dynamic for investors. Structural strengths underpinning this picture include:
- Category leadership as the 7th largest bank in the Philippines, with national brand recognition and trust.
- Rapid expansion into new retail and consumer lending markets, especially through the Home Credit Philippines partnership.
- Pioneering commitment to environmental initiatives, placing the bank at the forefront of ESG in Southeast Asia.
- Continuous modernization of its digital platforms and branch network to capture growth from new and existing customers.
Volume and liquidity
Security Bank enjoys healthy daily trading activity, averaging nearly 590,000 shares, reflecting robust market interest across institutional and retail clienteles. This sustained volume is an indicator of liquidity depth and price reliability. Furthermore, the dynamic float—supported by a disciplined ownership structure and increased analyst coverage—ensures that Security Bank remains responsive to fundamental and technical events in real time. Such conditions are essential for maintaining an accurate market valuation and enable efficient entry and exit points for investors of all sizes.
Catalysts and positive outlook
Several potent bullish catalysts could accelerate Security Bank’s growth trajectory through 2025 and beyond:
- Consumer Credit Expansion: The Home Credit acquisition marks a transformative event, giving Security Bank immediate access to one of the fastest-growing retail lending segments in the country, broadening margins, and fueling additional cross-selling opportunities.
- Digital Transformation: Heavy investments in technology, mobile banking, and client engagement platforms have positioned Security Bank to capture the rapidly expanding digital consumer base and drive down operational costs.
- ESG Initiatives: By joining the IFC-led Alliance for Green Commercial Banks, Security Bank is early-mover on ESG in the Philippines, likely increasing its appeal to global institutional investors and meeting the evolving expectations of Filipino consumers.
- Aggressive Branch Network Growth: A plan to open 72 new branches is set to further widen Security Bank’s reach, particularly into established and emerging urban centers.
- Sector Tailwinds: Renewed national economic momentum, consumer confidence, and a robust regulatory framework continue to fuel demand for loans, savings, and insurance products. The Philippine banking sector is widely projected to outperform as disposable income and housing investments increase.
Positive analyst sentiment reflects these drivers—an average price target of ₱104.12 signals a potential upside of about 37% from current levels. The consensus view is “Buy,” and with retail banking, digital transformation, and ESG front and center, Security Bank may enjoy an extended period of competitive outperformance.
Investment strategies
Security Bank’s current profile is highly conducive to a range of investment strategies:
- Short-term: Momentum traders will find opportunity in the current breakout run, with strong technical support near ₱74.65 and the potential for price surges on further positive news, such as quarterly updates or new partnership rollouts.
- Medium-term: Investors seeking three- to twelve-month horizons should consider the impact of continuous revenue growth, improving profitability from retail lending, and incremental gains as new branches come online. Catalysts such as product launches, earnings announcements, or demonstrated improvements in credit quality can yield attractive returns.
- Long-term: Those building a position in Philippine financials for multi-year growth will appreciate Security Bank’s visionary leadership, top-tier digital investment, and demonstrable commitment to sustainable finance—all of which support a foundation for compounding shareholder value. Historical resilience and the bank’s track record in value creation provide conviction for patient investors.
Ideal positioning may be achieved by accumulating on pullbacks toward technical floors or prior to major earnings and expansion milestones. With supportive volume and a positive divergence between key indicators and price levels, Security Bank offers strategic flexibility to both traders and long-term investors.
Is it the right time to buy Security Bank?
Every indicator—fundamental strength, technical momentum, liquidity, and macro sector tailwinds—seems to represent an excellent opportunity for investors seeking high-quality exposure to Philippine banking. Security Bank’s fundamentals justify renewed interest: attractive valuation, accelerating revenues, a competitive dividend yield, and a suite of forward-looking catalysts including strategic acquisitions, digital innovation, and green finance initiatives.
The stock may well be entering a new bullish phase, supported by strong analyst confidence, a compelling growth pipeline, and disciplined operational management. For investors in the Philippine market looking to couple income generation with capital appreciation potential, Security Bank stands out as a forward-thinking, resilient, and opportunity-rich choice.
Security Bank’s recent performance, robust expansion strategy, and transformative deals illustrate why exposure to this stock may be crucial for those preparing to capitalize on the next phase of Philippine banking sector growth.
How to buy Security Bank stock in the Philippines
Buying Security Bank stock online is simple, practical, and secure—especially when done through a regulated broker in the Philippines. You can choose between buying actual shares (spot buying) or trading the stock via Contracts for Difference (CFDs). Spot buying lets investors own real shares for the long term, while CFDs offer flexibility and leverage for more dynamic strategies. For a detailed comparison of online brokers offering these options, see the comprehensive comparison further down the page.
Spot buying
A cash purchase means you buy real Security Bank shares and become a direct shareholder listed in the company registry. You’ll typically pay a fixed commission per order (usually between ₱20 and ₱250 depending on the broker, or around $5 when converted).
Gain scenario
If the Security Bank share price is $1.30 (about ₱75.75 PHP), you can buy around 769 shares with a $1,000 stake, including a brokerage fee of around $5.
If the share price rises by 10%, your shares are now worth $1,100.
Result: +$100 gross gain, i.e. +10% on your investment.
Spot buying is ideal for those looking to invest long-term and benefit from potential dividends or stock appreciation.
Trading via CFD
CFD trading allows you to speculate on Security Bank share price movements without owning the actual shares. Instead, you enter a contract with your broker based on the underlying price. Fees include the spread between buy and sell price, plus potential overnight financing if you hold positions open for more than a day.
Gain scenario
You open a CFD position on Security Bank shares, with 5x leverage. This gives you a market exposure of $5,000.
If the stock rises by 8%, your position gains 8% × 5 = 40%. Result: +$400 gain, on a bet of $1,000 (excluding fees).
CFDs suit active investors or traders looking to take advantage of short-term price movements with greater flexibility and leverage.
Final advice
Before investing, always compare the fees, commissions, and trading conditions of different online brokers. The best method depends on your personal goals, risk tolerance, and investment horizon—refer to our broker comparison lower on the page to find the right option for you.
Compare the best brokers in the Philippines!Compare brokersOur 7 tips for buying Security Bank stock
| 📊 Step | 📝 Specific tip for Security Bank |
|---|---|
| Analyze the market | Review recent banking trends and Security Bank’s quarterly results for signs of momentum or stable growth. |
| Choose the right trading platform | Use a trusted PH broker with access to PSE and competitive rates for smooth Security Bank transactions. |
| Define your investment budget | Allocate only the amount you can afford to invest, keeping Security Bank’s dividend as a potential income booster. |
| Choose a strategy (short or long term) | Consider holding long term to benefit from Security Bank’s robust expansion and improving digital capabilities. |
| Monitor news and financial results | Stay updated on Security Bank’s acquisitions, new ESG initiatives, and quarterly earnings for timely insights. |
| Use risk management tools | Set stop-loss levels to manage volatility, especially around economic events or major Security Bank announcements. |
| Sell at the right time | Plan to sell after major rallies or positive corporate events to optimize your Security Bank investment returns. |
The latest news about Security Bank
Security Bank outperforms the PSEi with a 2.92% gain and strong technical “Buy” signals. The stock price rose by ₱2.15 in the past 24 hours to ₱75.75, notably outperforming the local index, supported by a global “Strong Buy” technical rating based on 12 moving averages and 9 other technical indicators all in positive territory.
Q1 2025 financial results show robust revenue growth of 23% and net income up 7% year-on-year. Quarterly revenue surged to ₱15.4 billion and net income reached ₱2.8 billion, exceeding analyst expectations and underlining the bank’s accelerating performance in a context of economic recovery in the Philippines.
Security Bank completes its largest acquisition, securing a 25% stake in Home Credit Philippines. With a ₱10.4 billion investment, the bank significantly expands into consumer finance, positioning itself for long-term growth in the retail lending market—a key segment in the evolving Philippine financial services landscape.
Security Bank becomes first Philippine bank to join the Alliance for Green Commercial Banks led by the IFC. This global ESG initiative aligns the bank with international sustainability standards and boosts its environmental and social governance profile, increasing its appeal to both local and foreign institutional investors.
Analysts maintain a positive outlook with a consensus “Buy” rating and a 12-month target price of ₱104.12. Reflecting a 37.45% upside from current levels, the consensus captures not only Security Bank’s strong fundamentals and dividend policy (3.96% yield), but also confidence in its sector positioning and innovation momentum.
FAQ
What is the latest dividend for Security Bank stock?
Security Bank currently pays a dividend. The latest declared dividend is ₱3.00 per share, providing a yield that has remained steady in recent years. Dividends are typically paid annually, with the last payment date in May 2025. The bank’s distribution policy emphasizes stable income for shareholders, supported by strong profitability and growth in its core businesses.
What is the forecast for Security Bank stock in 2025, 2026, and 2027?
The projected value for Security Bank stock is ₱98.48 at the end of 2025, ₱113.63 at the end of 2026, and ₱151.50 at the end of 2027. These forecasts reflect favorable analyst outlooks, recent strategic acquisitions such as Home Credit Philippines, and strong sector momentum within the Philippine banking industry.
Should I sell my Security Bank shares?
Based on the company’s currently attractive valuation and positive growth trajectory, holding Security Bank shares may be a prudent choice. The stock’s solid fundamentals, strong recent results, and ongoing strategic initiatives—such as digital transformation and expansion in consumer finance—are supportive for medium- to long-term investors. Security Bank’s history of performance and resilient sector presence further reinforce a hold approach.
How are dividends and capital gains from Security Bank taxed in the Philippines?
Dividends paid by Security Bank to Philippine residents are subject to a 10% final withholding tax, while capital gains from sales of listed shares incur a 0.6% stock transaction tax. Security Bank shares are fully eligible for standard local investment accounts, and there are no special tax-advantaged schemes such as ISA or 401(k) available in the country. Ensure you comply with all local tax rules for investor reporting.
What is the latest dividend for Security Bank stock?
Security Bank currently pays a dividend. The latest declared dividend is ₱3.00 per share, providing a yield that has remained steady in recent years. Dividends are typically paid annually, with the last payment date in May 2025. The bank’s distribution policy emphasizes stable income for shareholders, supported by strong profitability and growth in its core businesses.
What is the forecast for Security Bank stock in 2025, 2026, and 2027?
The projected value for Security Bank stock is ₱98.48 at the end of 2025, ₱113.63 at the end of 2026, and ₱151.50 at the end of 2027. These forecasts reflect favorable analyst outlooks, recent strategic acquisitions such as Home Credit Philippines, and strong sector momentum within the Philippine banking industry.
Should I sell my Security Bank shares?
Based on the company’s currently attractive valuation and positive growth trajectory, holding Security Bank shares may be a prudent choice. The stock’s solid fundamentals, strong recent results, and ongoing strategic initiatives—such as digital transformation and expansion in consumer finance—are supportive for medium- to long-term investors. Security Bank’s history of performance and resilient sector presence further reinforce a hold approach.
How are dividends and capital gains from Security Bank taxed in the Philippines?
Dividends paid by Security Bank to Philippine residents are subject to a 10% final withholding tax, while capital gains from sales of listed shares incur a 0.6% stock transaction tax. Security Bank shares are fully eligible for standard local investment accounts, and there are no special tax-advantaged schemes such as ISA or 401(k) available in the country. Ensure you comply with all local tax rules for investor reporting.
On the same topic
