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Asia United BankPHS:AUB -1.80%64 3-Year EPS without NRI Growth Rate is 10.40% as of Jun. 2026, which is 24% below its 10-year median of 13.60. GuruFocus rates PHS:AUB with a GF Score™ of 64/100 and a GF Value™ of ₱39.47 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,410 Banks companies, Asia United Bank ranks better than 58.16% on this metric.
During the past 12 months, Asia United Bank's average EPS without NRI Growth Rate was 4.70% per year.
During the past 3 years, the average EPS without NRI Growth Rate was 10.40% per year.
During the past 5 years, the average EPS without NRI Growth Rate was 33.60% per year.
During the past 10 years, the average EPS without NRI Growth Rate was 22.90% 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 average EPS without NRI growth rate.
During the past 13 years, the highest 3-Year average EPS without NRI Growth Rate of Asia United Bank was 40.70% per year. The lowest was -57.60% per year. And the median was 13.60% per year.
Asia United Bank (PHS:AUB) 3-Year EPS without NRI Growth Rate Explanation
EPS without NRI is the amount of earnings without non-recurring items per outstanding share of the company's stock.
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists Earnings per share without Non-Recurring Items, which better reflects the company's underlying performance.
Asia United Bank 3-Year EPS without NRI Growth Rate Related Terms
Asia United Bank 3-Year EPS without NRI Growth Rate Competitor Comparison
For the Banks - Regional subindustry, Asia United Bank's 3-Year EPS without NRI Growth Rate, along with its competitors' market caps and 3-Year EPS without NRI 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 EPS without NRI Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, Asia United Bank's 3-Year EPS without NRI Growth Rate distribution charts can be found below:
* The bar in red indicates where Asia United Bank's 3-Year EPS without NRI Growth Rate falls into.
Asia United Bank 3-Year EPS without NRI Growth Rate Calculation
This is the 3-year average growth rate of EPS without NRI. 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 EPS without NRI growth rate.
What does a 3-Year EPS without NRI Growth Rate of 10.40% mean?
Asia United Bank (PHS:AUB) has a 3-Year EPS without NRI Growth Rate of 10.40% as of Jun. 2026. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Asia United Bank and its competitors. This is 24% below median its historical median of 13.60. According to the industry distribution chart, Asia United Bank ranks #590 out of 1410 companies in the Banks industry, placing it in the top 41.8%.
Is Asia United Bank's 3-Year EPS without NRI Growth Rate too high?
Asia United Bank's current 3-Year EPS without NRI Growth Rate of 10.40% is 24% below median its 10-year median of 13.60. The Banks industry median 3-Year EPS without NRI Growth Rate is 7.50. Asia United Bank's value of 10.40% is 38.7% above this industry median. Based on the distribution chart, Asia United Bank ranks #590 out of 1410 companies in the Banks industry, which is above the industry midpoint. 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 EPS without NRI Growth Rate compare to competitors?
According to the Banks industry distribution chart, Asia United Bank ranks #590 out of 1410 companies for 3-Year EPS without NRI Growth Rate. This puts Asia United Bank in the upper half of its industry. The industry median 3-Year EPS without NRI Growth Rate is 7.50. Asia United Bank's value of 10.40% is 38.7% above this benchmark. While the company's 10-year median is 13.60 vs. the industry median of 7.50, 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 EPS without NRI Growth Rate for a Banks company?
The median 3-Year EPS without NRI Growth Rate among Banks companies is 7.50, based on 1,410 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EPS without NRI Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EPS without NRI 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 EPS without NRI Growth Rate of 10.40% is 38.7% 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 EPS without NRI Growth Rate mean?
A high 3-Year EPS without NRI Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Asia United Bank and its competitors. For the Banks industry, the median 3-Year EPS without NRI Growth Rate is 7.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Asia United Bank's current 3-Year EPS without NRI Growth Rate is 10.40%, which is 24% below median its own 10-year median of 13.60. 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 ₱39.47, compared to a current price of ₱49.10 — trading 24.4% above its estimated fair value. The current 3-Year EPS without NRI Growth Rate is 10.40%, which is 24% below median its 10-year median of 13.60 and 38.7% above the Banks industry median of 7.50. 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 EPS without NRI Growth Rate calculated?
3-Year EPS without NRI Growth Rate is calculated from a company's financial statements. For Asia United Bank (PHS:AUB), the current 3-Year EPS without NRI Growth Rate is 10.40% 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 ₱49.10 is trading 24.4% above its estimated GF Value™ of ₱39.47.
GuruFocus considers Asia United Bank to be Modestly Overvalued.
Key valuation signals for PHS:AUB:
3-Year EPS without NRI Growth Rate: 10.40% (24% below median its 10-year median of 13.60)
GF Value™: ₱39.47 vs. price of ₱49.10 (24.4% above fair value)
Industry Position: 38.7% above the Banks median (#590 of 1410)
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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3-Year EPS without NRI Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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