Asia United Bank (PHS:AUB) Cyclically Adjusted FCF per Share: ₱6.62 (As of Mar. 2026)


PHS:AUB Asia United Bank Corp PHS:AUB
68 GF Score
Price ₱52.80
GF Value ₱38.43
Valuation Significantly Overvalued
! 4 Warning Signs
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What is Asia United Bank Cyclically Adjusted FCF per Share?

Asia United Bank PHS:AUB -0.19% 68 Cyclically Adjusted FCF per Share is ₱6.62 as of Mar. 2026. GuruFocus rates PHS:AUB with a GF Score™ of 68/100 and a GF Value™ of ₱38.43 (Significantly Overvalued). The stock has 4 warning signs investors should review.

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 FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

Asia United Bank's adjusted free cash flow per share for the three months ended in Mar. 2026 was ₱-4.423. Add all the adjusted free cash flow per share for the past 10 years together and divide the count will get our Cyclically Adjusted FCF per Share, which is ₱6.62 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Asia United Bank's average Cyclically Adjusted FCF Growth Rate was 4.60% per year. During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was -11.50% per year. During the past 5 years, the average Cyclically Adjusted FCF Growth Rate was -9.00% 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 FCF Growth Rate using Cyclically Adjusted FCF per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted FCF Growth Rate of Asia United Bank was -10.90% per year. The lowest was -12.40% per year. And the median was -11.50% per year.

As of today (2026-07-02), Asia United Bank's current stock price is ₱52.80. Asia United Bank's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2026 was ₱6.62. Asia United Bank's Cyclically Adjusted Price-to-FCF of today is 7.98.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Asia United Bank was 8.00. The lowest was 1.12. And the median was 1.77.


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

If a company grows much fast than inflation, Cyclically Adjusted FCF per Share may underestimate the company's free cash flow. Cyclically Adjusted Price-to-FCF can seem to be too high even the actual Price-to-Free-Cash-Flow is low.

For the Cyclically Adjusted Price-to-FCF, the free cash flow per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/FCF calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted Price-to-FCF is also called CAPFCF 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 Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

Asia United Bank's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=52.80/6.62
=7.98

* 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 Price-to-FCF of Asia United Bank was 8.00. The lowest was 1.12. And the median was 1.77.


Be Aware

Cyclically Adjusted Price-to-FCF works better for cyclical companies. It gives you a better idea on the company's real free cash flow value.


Asia United Bank Cyclically Adjusted FCF per Share Related Terms


Asia United Bank Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for Asia United Bank's Cyclically Adjusted FCF 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 FCF per Share Chart

Asia United Bank Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted FCF per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 10.99 11.62 8.12 7.38 8.06

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 FCF 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 6.33 7.95 8.23 8.06 6.62

Asia United Bank Cyclically Adjusted FCF per Share Competitor Comparison

For the Banks - Regional subindustry, Asia United Bank's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF 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 Price-to-FCF vs Banks Industry

For the Banks industry and Financial Services sector, Asia United Bank's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where Asia United Bank's Cyclically Adjusted Price-to-FCF falls into.


PHS:AUB
68GF Score
Asia United Bank Corp PHS:AUB
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Asia United Bank Cyclically Adjusted FCF 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 FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

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

Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow 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 FCF per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the free cash flow per share from 2001 through 2010.

We adjusted the 2001 free cash flow per share data with the total inflation from 2001 through 2010 to the equivalent free cash flow in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's free cash flow is $1 a share in 2001, then the 2001's equivalent free cash flow in 2010 is $1.4 a share. If Wal-Mart's free cash flow is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 free cash flow in 2010 is $1.35. So on and so forth, you get the equivalent free cash flow per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted FCF 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 Free Cash Flow per Share data for the three months ended in Mar. 2026 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=-4.423/330.2130*330.2130
=-4.423

Current CPI (Mar. 2026) = 330.2130.

Asia United Bank Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201606 -3.889 241.018 -5.328
201609 -2.252 241.428 -3.080
201612 4.537 241.432 6.205
201703 3.157 243.801 4.276
201706 3.452 244.955 4.653
201709 -2.030 246.819 -2.716
201712 -9.540 246.524 -12.779
201803 1.240 249.554 1.641
201806 6.121 251.989 8.021
201809 7.021 252.439 9.184
201812 0.066 251.233 0.087
201903 -1.896 254.202 -2.463
201906 8.308 256.143 10.710
201909 13.371 256.759 17.196
201912 -16.151 256.974 -20.754
202003 2.674 258.115 3.421
202006 3.392 257.797 4.345
202009 16.386 260.280 20.789
202012 11.900 260.474 15.086
202103 5.257 264.877 6.554
202106 8.464 271.696 10.287
202109 -9.608 274.310 -11.566
202112 -3.789 278.802 -4.488
202203 3.489 287.504 4.007
202206 1.271 296.311 1.416
202209 -2.000 296.808 -2.225
202212 8.090 296.797 9.001
202303 -8.396 301.836 -9.185
202306 -3.776 305.109 -4.087
202309 14.211 307.789 15.246
202312 1.474 306.746 1.587
202403 0.077 312.332 0.081
202406 1.969 314.175 2.070
202409 -6.126 315.301 -6.416
202412 -7.348 315.605 -7.688
202503 -8.893 319.799 -9.183
202506 11.443 322.561 11.714
202509 8.482 324.800 8.623
202512 -3.594 324.054 -3.662
202603 -4.423 330.213 -4.423

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

What does a Cyclically Adjusted FCF per Share of ₱6.62 mean?
Asia United Bank (PHS:AUB) has a Cyclically Adjusted FCF per Share of ₱6.62 as of Mar. 2026. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Asia United Bank and its competitors.
Is Asia United Bank's Cyclically Adjusted FCF per Share too high?
Asia United Bank's current Cyclically Adjusted FCF per Share is ₱6.62. Overall, Asia United Bank has a GF Score™ of 68/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Asia United Bank's Cyclically Adjusted FCF per Share compare to competitors?
Asia United Bank's Cyclically Adjusted FCF per Share of ₱6.62 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 FCF per Share for a Banks company?
A good Cyclically Adjusted FCF per Share depends on the Banks industry context. However, Cyclically Adjusted FCF 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 FCF per Share mean?
A high Cyclically Adjusted FCF per Share can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Asia United Bank and its competitors. Asia United Bank's current Cyclically Adjusted FCF per Share is ₱6.62. 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 Significantly Overvalued. The stock's GF Value™ is ₱38.43, compared to a current price of ₱52.80 — trading 37.4% above its estimated fair value. The current Cyclically Adjusted FCF per Share is ₱6.62. Asia United Bank's overall GF Score™ is 68/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted FCF per Share calculated?
Cyclically Adjusted FCF per Share is calculated from a company's financial statements. For Asia United Bank (PHS:AUB), the current Cyclically Adjusted FCF per Share is ₱6.62 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 ₱52.80 is trading 37.4% above its estimated GF Value™ of ₱38.43. GuruFocus considers Asia United Bank to be Significantly Overvalued.

Key valuation signals for PHS:AUB:

  • Cyclically Adjusted FCF per Share: ₱6.62
  • GF Value™: ₱38.43 vs. price of ₱52.80 (37.4% above fair value)
  • GF Score™: 68/100 with 4 warning signs

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.
68GF Score

Get the complete analysis for PHS:AUB

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

₱52.80
Price
₱38.43
GF Value