United Overseas BankHAM:UOB -0.87%77 Median PS Value is €24.88 as of Jun. 27, 2026, which is 100% below its 10-year median of 0.91. GuruFocus rates HAM:UOB with a GF Score™ of 77/100 and a GF Value™ of €22.87 (Modestly Overvalued). The stock has 9 warning signs investors should review. Among 1,042 Banks companies, United Overseas Bank ranks better than 53.07% on this metric.
This valuation method assumes that the stock valuation will revert to its historical (10-Year) median in terms of PS Ratio. The reason we use PS Ratio instead of PE Ratio or PB Ratio is because PS Ratio is independent of profit margin, and can be applied to a broader range of situations.
The historical rank and industry rank for United Overseas Bank's Median PS Value or its related term are showing as below:
HAM:UOB'
s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.73 Med: 0.91 Max: 1.09
Current: 1.06
During the past 13 years, the highest Price to Median PS Value of United Overseas Bank was 1.09. The lowest was 0.73. And the median was 0.91.
HAM:UOB's Price-to-Median-PS-Value is ranked better than 53.07% of 1042
companies
in the Banks industry
Industry Median: 1.11
vs HAM:UOB: 1.06
United Overseas Bank (HAM:UOB) Median PS Value Explanation
This valuation method assumes that the stock valuation will revert to its historical (10-Year) mean in terms of PS Ratio. The reason we use PS Ratio instead of PE Ratio or PB Ratio
is because PS Ratio is independent of profit margin, and can be applied to a broader range of situations.
It also assumes that over time the profit margin is constant. If a company increases its profit margin to a sustainable level, this value might under-estimate its value. If it has permanent declined profit margins, this may over-estimate the company's value.
United Overseas Bank's Price to Median PS Value for today is calculated as
Price to Median PS Value
=
Share Price
/
Median PS Value
=
26.31
/
24.88
=
1.06
* 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.
United Overseas Bank Median PS Value Related Terms
United Overseas Bank Median PS Value Historical Data
* Premium members only.
The historical data trend for United Overseas Bank's Median PS Value 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.
For the Banks - Regional subindustry, United Overseas Bank's Price-to-Median-PS-Value, along with its competitors' market caps and Price-to-Median-PS-Value 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 Price-to-Median-PS-Value vs Banks Industry
For the Banks industry and Financial Services sector, United Overseas Bank's Price-to-Median-PS-Value distribution charts can be found below:
* The bar in red indicates where United Overseas Bank's Price-to-Median-PS-Value falls into.
10-Year Median PS Ratio is 4.4797.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. United Overseas Bank's Revenue per Share for the trailing twelve months (TTM) ended in Dec. 2025 was €5.554.
* 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.
United Overseas Bank (HAM:UOB) has a Median PS Value of €24.88 as of Jun. 27, 2026. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on United Overseas Bank and its competitors. This is 2634% above median its historical median of 0.91. Over the past decade, United Overseas Bank's Median PS Value has ranged from 0.73 to 1.09. According to the industry distribution chart, United Overseas Bank ranks #489 out of 1042 companies in the Banks industry, placing it in the top 46.9%.
Is United Overseas Bank's Median PS Value too high?
United Overseas Bank's current Median PS Value of €24.88 is 2634% above median its 10-year median of 0.91. Over the past 10 years, this metric has ranged from a low of 0.73 to a high of 1.09. Based on the distribution chart, United Overseas Bank ranks #489 out of 1042 companies in the Banks industry, which is above the industry midpoint. Overall, United Overseas Bank has a GF Score™ of 77/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does United Overseas Bank's Median PS Value compare to PNC and USB?
According to the Banks industry distribution chart, United Overseas Bank ranks #489 out of 1042 companies for Median PS Value. This puts United Overseas Bank in the upper half of its industry. The industry median Median PS Value is 1.11. Historically, United Overseas Bank's own Median PS Value has ranged from 0.73 to 1.09 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 Median PS Value for a Banks company?
The median Median PS Value among Banks companies is 1.11, based on 1,042 companies in the industry. Companies in the top quartile (top 25%) have a Median PS Value significantly above this median, while those in the bottom quartile fall well below. However, Median PS Value 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 Median PS Value mean?
A high Median PS Value can signal that a stock is expensive relative to its fundamentals. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on United Overseas Bank and its competitors. For the Banks industry, the median Median PS Value is 1.11 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Overseas Bank's current Median PS Value is €24.88, which is 2634% above median its own 10-year median of 0.91. 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 €22.87, compared to a current price of €26.31 — trading 15% above its estimated fair value. The current Median PS Value is €24.88, which is 2634% above median its 10-year median of 0.91. United Overseas Bank's overall GF Score™ is 77/100 with 9 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Median PS Value calculated?
Median PS Value is calculated from a company's financial statements. For United Overseas Bank (HAM:UOB), the current Median PS Value is €24.88 as of Jun. 27, 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 €26.31 is trading 15% above its estimated GF Value™ of €22.87.
GuruFocus considers United Overseas Bank to be Modestly Overvalued.
Key valuation signals for HAM:UOB:
Median PS Value: €24.88 (2634% above median its 10-year median of 0.91)
GF Value™: €22.87 vs. price of €26.31 (15% 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.
77GF Score
Get the complete analysis for HAM:UOB
Median PS Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
HAM:UOB has been successfully added to your 
