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Asia United BankPHS:AUB 64 3-Year Book Growth Rate is 20.30% as of Jun. 2026, which is 111% above its 10-year median of 9.60. GuruFocus rates PHS:AUB with a GF Score™ of 64/100 and a GF Value™ of ₱39.48 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,495 Banks companies, Asia United Bank ranks better than 89.5% on this metric.
During the past 12 months, Asia United Bank's average Book Value per Share Growth Rate was 8.70% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 20.30% per year.
During the past 5 years, the average Book Value per Share Growth Rate was 15.00% per year.
During the past 10 years, the average Book Value per Share Growth Rate was 12.00% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
During the past 13 years, the highest 3-Year average Book Value per Share Growth Rate of Asia United Bank was 20.30% per year. The lowest was -49.60% per year. And the median was 9.60% per year.
Asia United Bank (PHS:AUB) 3-Year Book Growth Rate Explanation
Book Value per Share is the ratio of equity available to common shareholders divided by the shares outstanding. Book value per share effectively indicates a firm's net asset value on a per-share basis. It can be used by investors to gauge whether a stock price is undervalued by comparing it to the firm's market value per share. Theoretically, it is what the shareholders will receive if the company is liquidated.
Asia United Bank 3-Year Book Growth Rate Related Terms
Asia United Bank 3-Year Book Growth Rate Competitor Comparison
For the Banks - Regional subindustry, Asia United Bank's 3-Year Book Growth Rate, along with its competitors' market caps and 3-Year Book Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Asia United Bank 3-Year Book Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, Asia United Bank's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where Asia United Bank's 3-Year Book Growth Rate falls into.
Asia United Bank 3-Year Book Growth Rate Calculation
This is the 3-year average growth rate of Book Value per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
What does a 3-Year Book Growth Rate of 20.30% mean?
Asia United Bank (PHS:AUB) has a 3-Year Book Growth Rate of 20.30% as of Jun. 2026. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Asia United Bank and its competitors. This is 111% above median its historical median of 9.60. According to the industry distribution chart, Asia United Bank ranks #157 out of 1495 companies in the Banks industry, placing it in the top 10.5%.
Is Asia United Bank's 3-Year Book Growth Rate too high?
Asia United Bank's current 3-Year Book Growth Rate of 20.30% is 111% above median its 10-year median of 9.60. The Banks industry median 3-Year Book Growth Rate is 8.80. Asia United Bank's value of 20.30% is 130.7% above this industry median. Based on the distribution chart, Asia United Bank ranks #157 out of 1495 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Asia United Bank has a GF Score™ of 64/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Asia United Bank's 3-Year Book Growth Rate compare to competitors?
According to the Banks industry distribution chart, Asia United Bank ranks #157 out of 1495 companies for 3-Year Book Growth Rate. This places Asia United Bank in the top 11% of its industry — outperforming the majority of peers. The industry median 3-Year Book Growth Rate is 8.80. Asia United Bank's value of 20.30% is 130.7% above this benchmark. While the company's 10-year median is 9.60 vs. the industry median of 8.80, Asia United Bank has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Book Growth Rate for a Banks company?
The median 3-Year Book Growth Rate among Banks companies is 8.80, based on 1,495 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Book Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Book Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Asia United Bank's current 3-Year Book Growth Rate of 20.30% is 130.7% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year Book Growth Rate mean?
A high 3-Year Book Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Asia United Bank and its competitors. For the Banks industry, the median 3-Year Book Growth Rate is 8.80 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Asia United Bank's current 3-Year Book Growth Rate is 20.30%, which is 111% above median its own 10-year median of 9.60. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Asia United Bank stock overvalued right now?
Based on GuruFocus' analysis, Asia United Bank (PHS:AUB) is currently considered Modestly Overvalued. The stock's GF Value™ is ₱39.48, compared to a current price of ₱49.20 — trading 24.6% above its estimated fair value. The current 3-Year Book Growth Rate is 20.30%, which is 111% above median its 10-year median of 9.60 and 130.7% above the Banks industry median of 8.80. Asia United Bank's overall GF Score™ is 64/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Book Growth Rate calculated?
3-Year Book Growth Rate is calculated from a company's financial statements. For Asia United Bank (PHS:AUB), the current 3-Year Book Growth Rate is 20.30% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Asia United Bank (PHS:AUB) Overvalued in 2026?
Based on GuruFocus' analysis, Asia United Bank stock appears to be overvalued.
The current stock price of ₱49.20 is trading 24.6% above its estimated GF Value™ of ₱39.48.
GuruFocus considers Asia United Bank to be Modestly Overvalued.
Key valuation signals for PHS:AUB:
3-Year Book Growth Rate: 20.30% (111% above median its 10-year median of 9.60)
GF Value™: ₱39.48 vs. price of ₱49.20 (24.6% above fair value)
Industry Position: 130.7% above the Banks median (#157 of 1495)
No single metric tells the full story. See the PHS:AUB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Asia United Bank Corp is a banking service provider in the Philippines. It offers banking and financial products to corporate and individual customers. It functions through five divisions. Commercial Banking provides lending, trade, and cash management services to corporate and institutional customers. The Consumer Banking segment offers banking services to retail customers. The Treasury segment functions include managing the group's reserve and liquidity position and maintaining its balance sheet by investing in sovereign and corporate debt instruments. The Branch Banking segment, which is the key revenue driver, offers retail deposit products. The Others segment includes the group's income from trust activities, remittances, investment banking, and gains on foreclosed properties.
64GF Score
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