United Overseas Bank has the GF Score of 80, which implies that the company
is
Likely to have average performance.
The GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation, which has been found to be closely correlated to the long-term performances of stocks by backtesting from 2006 to 2021. The stocks with a higher GF Score generally generate higher returns than those with lower GF Scores. Therefore, when picking stocks, investors should invest in companies with high GF Scores. The GF Score ranges from 0 to 100, with 100 as the highest rank.
GF Score takes following five key aspects into consideration:
Each one of these components is ranked and the ranks also have positive correlation with the long term performances of stocks. The GF score is calculated using the five key aspects of analysis. Through backtesting, we know that each of these key aspects has a different impact on the stock price performance. Thus, they are weighted differently when calculating the total score. The Profitability Rank and the Growth Rank are weighted fully, while other parameters have less weight.
Based on research and backtesting result, GuruFocus believes United Overseas Bank
is
Likely to have average performance.
Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.
United Overseas Bank (HAM:UOB) GF Score Explanation
Based on the historical long-term performances among five valuation aspects, the GF Score is found to be closely correlated to the long-term performances of stocks. It ranges from 0 to 100, with 100 as the highest. GuruFocus divided GF Score into following 5 categories:
GF Score
Performance Potential and All-in-One Screener Examples (1)
(1) These are some simple examples. You can access our GF Score filter under All-in-One Screener’s Fundamental tab.
United Overseas Bank GF Score Related Terms
HAM:UOB vs PNC, USB: GF Score Comparison
For the Banks - Regional subindustry, United Overseas Bank's GF Score, along with its competitors' market caps and GF Score 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.
United Overseas Bank GF Score vs Banks Industry
For the Banks industry and Financial Services sector, United Overseas Bank's GF Score distribution charts can be found below:
* The bar in red indicates where United Overseas Bank's GF Score falls into.
United Overseas Bank (HAM:UOB) has a GF Score of 80 as of Jul. 05, 2026. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on United Overseas Bank and its competitors. This is near median its historical median of 77.00. Over the past decade, United Overseas Bank's GF Score has ranged from 74.00 to 82.00.
Is United Overseas Bank's GF Score too high?
United Overseas Bank's current GF Score of 80 is near median its 10-year median of 77.00. Over the past 10 years, this metric has ranged from a low of 74.00 to a high of 82.00. Overall, United Overseas Bank has a GF Score™ of 80/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does United Overseas Bank's GF Score compare to PNC and USB?
United Overseas Bank's GF Score of 80 can be compared against companies in the Banks industry. Historically, United Overseas Bank's own GF Score has ranged from 74.00 to 82.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good GF Score for a Banks company?
A good GF Score depends on the Banks industry context. However, GF Score 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 GF Score mean?
A high GF Score can signal that a stock is expensive relative to its fundamentals. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on United Overseas Bank and its competitors. United Overseas Bank's current GF Score is 80, which is near median its own 10-year median of 77.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is United Overseas Bank stock overvalued right now?
Based on GuruFocus' analysis, United Overseas Bank (HAM:UOB) is currently considered Modestly Overvalued. The stock's GF Value™ is €22.98, compared to a current price of €27.24 — trading 18.5% above its estimated fair value. The current GF Score is 80, which is near median its 10-year median of 77.00. United Overseas Bank's overall GF Score™ is 80/100 with 9 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is GF Score calculated?
GF Score is calculated from a company's financial statements. For United Overseas Bank (HAM:UOB), the current GF Score is 80 as of Jul. 05, 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 United Overseas Bank (HAM:UOB) Overvalued in 2026?
Based on GuruFocus' analysis, United Overseas Bank stock appears to be overvalued.
The current stock price of €27.24 is trading 18.5% above its estimated GF Value™ of €22.98.
GuruFocus considers United Overseas Bank to be Modestly Overvalued.
Key valuation signals for HAM:UOB:
GF Score: 80 (near median its 10-year median of 77.00)
GF Value™: €22.98 vs. price of €27.24 (18.5% above fair value)
No single metric tells the full story. See the HAM:UOB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
United Overseas Bank is a diversified financial institution based in Singapore. Its regional reach spans Greater China and Southeast Asia. Key countries include Malaysia, Thailand, and Indonesia. Singapore, its core market, makes up around 50% of its total assets. The group offers a wide range of services, including consumer, commercial and corporate, and investment banking; corporate finance; treasury services; and wealth management, insurance, and brokerage services.
80GF Score
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