Asia United Bank (PHS:AUB) Cyclically Adjusted Book per Share: ₱31.41 (As of Mar. 2026)


PHS:AUB Asia United Bank Corp PHS:AUB
66 GF Score
Price ₱44.60
GF Value ₱38.42
Valuation Modestly Overvalued
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What is Asia United Bank Cyclically Adjusted Book per Share?

Asia United Bank PHS:AUB +0.56% 66 Cyclically Adjusted Book per Share is ₱31.41 as of Mar. 2026. GuruFocus rates PHS:AUB with a GF Score™ of 66/100 and a GF Value™ of ₱38.42 (Modestly Overvalued).

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

Asia United Bank's adjusted book value per share for the three months ended in Mar. 2026 was ₱48.495. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is ₱31.41 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Asia United Bank's average Cyclically Adjusted Book Growth Rate was 13.20% per year. During the past 3 years, the average Cyclically Adjusted Book Growth Rate was 0.20% per year. During the past 5 years, the average Cyclically Adjusted Book Growth Rate was -8.00% 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 Cyclically Adjusted Book Growth Rate using Cyclically Adjusted Book per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Book Growth Rate of Asia United Bank was 0.20% per year. The lowest was -17.00% per year. And the median was -10.70% per year.

As of today (2026-06-27), Asia United Bank's current stock price is ₱44.60. Asia United Bank's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2026 was ₱31.41. Asia United Bank's Cyclically Adjusted PB Ratio of today is 1.42.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Asia United Bank was 1.83. The lowest was 0.33. And the median was 0.64.


Asia United Bank  (PHS:AUB) Cyclically Adjusted Book per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Book per Share may underestimate the company's equity. Cyclically Adjusted PB Ratio can seem to be too high even the actual PB Ratio is low.

For the Cyclically Adjusted PB Ratio, the book value of the past 10 years are inflation-adjusted and averaged. The result is used for P/B calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PB Ratio is also called CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

Asia United Bank's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=44.60/31.41
=1.42

* 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.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Asia United Bank was 1.83. The lowest was 0.33. And the median was 0.64.


Be Aware

Cyclically Adjusted PB Ratio works better for cyclical companies. It gives you a better idea on the company's real book value.


Asia United Bank Cyclically Adjusted Book per Share Related Terms


Asia United Bank Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for Asia United Bank's Cyclically Adjusted Book per Share can be seen below:

* 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.

Asia United Bank Cyclically Adjusted Book per Share Chart

Asia United Bank Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Book per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 37.59 29.95 24.18 26.81 30.14

Asia United Bank Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted Book per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 27.75 28.62 29.48 30.14 31.41

Asia United Bank Cyclically Adjusted Book per Share Competitor Comparison

For the Banks - Regional subindustry, Asia United Bank's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted 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.


Asia United Bank Cyclically Adjusted PB Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Asia United Bank's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where Asia United Bank's Cyclically Adjusted PB Ratio falls into.


PHS:AUB
66GF Score
Asia United Bank Corp PHS:AUB
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Asia United Bank Cyclically Adjusted Book per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

What is Cyclically Adjusted Book per Share? How do we calculate Cyclically Adjusted Book per Share?

Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Book per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the book value per share from 2001 through 2010.

We adjusted the 2001 book value per share data with the total inflation from 2001 through 2010 to the equivalent book value in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's book value is $1 a share in 2001, then the 2001's equivalent book value in 2010 is $1.4 a share. If Wal-Mart's book value is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 book value in 2010 is $1.35. So on and so forth, you get the equivalent book value per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Asia United Bank's adjusted Book Value per Share data for the three months ended in Mar. 2026 was:

Adj_Book= Book Value per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=48.495/330.2130*330.2130
=48.495

Current CPI (Mar. 2026) = 330.2130.

Asia United Bank Quarterly Data

Book Value per Share CPI Adj_Book
201606 15.538 241.018 21.288
201609 15.801 241.428 21.612
201612 16.214 241.432 22.176
201703 16.717 243.801 22.642
201706 17.216 244.955 23.208
201709 18.215 246.819 24.369
201712 18.308 246.524 24.523
201803 18.838 249.554 24.927
201806 18.352 251.989 24.049
201809 18.887 252.439 24.706
201812 19.968 251.233 26.245
201903 21.344 254.202 27.726
201906 21.600 256.143 27.846
201909 22.429 256.759 28.846
201912 22.676 256.974 29.139
202003 23.177 258.115 29.651
202006 23.548 257.797 30.163
202009 24.464 260.280 31.037
202012 24.098 260.474 30.550
202103 24.224 264.877 30.199
202106 24.764 271.696 30.098
202109 25.319 274.310 30.479
202112 26.002 278.802 30.797
202203 26.177 287.504 30.066
202206 25.738 296.311 28.683
202209 25.988 296.808 28.913
202212 27.281 296.797 30.353
202303 29.432 301.836 32.199
202306 29.951 305.109 32.415
202309 31.094 307.789 33.359
202312 33.441 306.746 35.999
202403 34.665 312.332 36.650
202406 35.279 314.175 37.080
202409 38.766 315.301 40.599
202412 39.938 315.605 41.787
202503 42.399 319.799 43.780
202506 44.476 322.561 45.531
202509 45.039 324.800 45.790
202512 47.472 324.054 48.374
202603 48.495 330.213 48.495

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.

What does a Cyclically Adjusted Book per Share of ₱31.41 mean?
Asia United Bank (PHS:AUB) has a Cyclically Adjusted Book per Share of ₱31.41 as of Mar. 2026. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Asia United Bank and its competitors.
Is Asia United Bank's Cyclically Adjusted Book per Share too high?
Asia United Bank's current Cyclically Adjusted Book per Share is ₱31.41. Overall, Asia United Bank has a GF Score™ of 66/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Asia United Bank's Cyclically Adjusted Book per Share compare to competitors?
Asia United Bank's Cyclically Adjusted Book per Share of ₱31.41 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 Cyclically Adjusted Book per Share for a Banks company?
A good Cyclically Adjusted Book per Share depends on the Banks industry context. However, Cyclically Adjusted Book 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 Cyclically Adjusted Book per Share mean?
A high Cyclically Adjusted Book per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Asia United Bank and its competitors. Asia United Bank's current Cyclically Adjusted Book per Share is ₱31.41. 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 ₱38.42, compared to a current price of ₱44.60 — trading 16.1% above its estimated fair value. The current Cyclically Adjusted Book per Share is ₱31.41. Asia United Bank's overall GF Score™ is 66/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Book per Share calculated?
Cyclically Adjusted Book per Share is calculated from a company's financial statements. For Asia United Bank (PHS:AUB), the current Cyclically Adjusted Book per Share is ₱31.41 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 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 ₱44.60 is trading 16.1% above its estimated GF Value™ of ₱38.42. GuruFocus considers Asia United Bank to be Modestly Overvalued.

Key valuation signals for PHS:AUB:

  • Cyclically Adjusted Book per Share: ₱31.41
  • GF Value™: ₱38.42 vs. price of ₱44.60 (16.1% above fair value)
  • GF Score™: 66/100

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 Business Description

Address No. 17 ADB Avenue, Joy-Nostalg Center, Ortigas Center, Pasig City, PHL, 1600
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.
66GF Score

Get the complete analysis for PHS:AUB

Cyclically Adjusted Book per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₱44.60
Price
₱38.42
GF Value