During the past 12 months, Union Bank Of The Philippines's average Book Value Per Share Growth Rate was 4.10% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 5.90% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 6.20% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 7.90% 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 book value growth rate using book value per share data.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Union Bank Of The Philippines was 16.20% per year. The lowest was 5.90% per year. And the median was 8.70% per year.
During the past 13 years, the highest P/B Ratio of Union Bank Of The Philippines was 1.51. The lowest was 0.40. And the median was 0.87.
Good Sign:
Union Bank Of The Philippines Inc stock PB Ratio (=0.4) is close to 10-year low of 0.4.
Union Bank Of The Philippines (PHS:UBP) Book Value per Share Explanation
Usually a company's book value and Tangible Book per Share may not reflect its true value. The assets may be carried on the balance sheets at the original cost minus depreciation. This may underestimate the true economic values of the assets. It also may over-estimate their true economic value because the assets can become obsolete.
For financial companies such as banks and insurance companies, their assets may be reported in current market value of the assets owned. Book values of financial companies are more accurate indicator of the economic value of the company.
Union Bank Of The Philippines Book Value per Share Related Terms
Union Bank Of The Philippines Book Value per Share Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Union Bank Of The Philippines Book Value per Share Chart
Union Bank Of The Philippines Book Value per Share Competitor Comparison
For the Banks - Regional subindustry, Union Bank Of The Philippines's PB Ratio, along with its competitors' market caps and PB Ratio 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.
Union Bank Of The Philippines PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Union Bank Of The Philippines's PB Ratio distribution charts can be found below:
* The bar in red indicates where Union Bank Of The Philippines's PB Ratio falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Union Bank Of The Philippines (PHS:UBP) has a Book Value per Share of ₱60.72 as of Mar. 2026. Book value per share gives the per-share value of a company's stockholder equity. View historical data on Union Bank Of The Philippines and its competitors.
Is Union Bank Of The Philippines' Book Value per Share too high?
Union Bank Of The Philippines' current Book Value per Share is ₱60.72. Overall, Union Bank Of The Philippines has a GF Score™ of 83/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Union Bank Of The Philippines' Book Value per Share compare to competitors?
Union Bank Of The Philippines' Book Value per Share of ₱60.72 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Book Value per Share for a Banks company?
A good Book Value per Share depends on the Banks industry context. However, Book Value per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Book Value per Share mean?
A high Book Value per Share can signal that a stock is expensive relative to its fundamentals. Book value per share gives the per-share value of a company's stockholder equity. View historical data on Union Bank Of The Philippines and its competitors. Union Bank Of The Philippines's current Book Value per Share is ₱60.72. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Union Bank Of The Philippines stock overvalued right now?
Based on GuruFocus' analysis, Union Bank Of The Philippines (PHS:UBP) is currently considered Significantly Undervalued. The stock's GF Value™ is ₱37.75, compared to a current price of ₱23.75 — trading 37.1% below its estimated fair value. The current Book Value per Share is ₱60.72. Union Bank Of The Philippines' overall GF Score™ is 83/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Book Value per Share calculated?
Book Value per Share is calculated from a company's financial statements. For Union Bank Of The Philippines (PHS:UBP), the current Book Value per Share is ₱60.72 as of Mar. 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 Union Bank Of The Philippines (PHS:UBP) Overvalued in 2026?
Based on GuruFocus' analysis, Union Bank Of The Philippines stock appears to be undervalued.
The current stock price of ₱23.75 is trading 37.1% below its estimated GF Value™ of ₱37.75.
GuruFocus considers Union Bank Of The Philippines to be Significantly Undervalued.
Key valuation signals for PHS:UBP:
Book Value per Share: ₱60.72
GF Value™: ₱37.75 vs. price of ₱23.75 (37.1% below fair value)
No single metric tells the full story. See the PHS:UBP stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Union Bank Of The Philippines Business Description
Union Bank Of The Philippines Inc is a company that provides commercial banking products and services. It offers loans and deposits, cash management, retail banking, foreign exchange, capital markets, corporate and consumer finance, investment management, and trust banking. The group's main operating business segments are Consumer Banking, Institutional Banking, Mass Market/Digital Banking, Trust and Insurance, Treasury Banking, and Headquarters. The majority share of groups revenue is generated from the Consumer Banking business segment, which principally handles individual customers' deposits and provides consumer-type loans, such as automobiles and mortgage financing, credit card facilities, and funds transfer facilities.
83GF Score
Get the complete analysis for PHS:UBP
Book Value per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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