United Overseas Bank (HAM:UOB) Moat Score: 6/10 (As of Jul. 04, 2026)


HAM:UOB United Overseas Bank Ltd HAM:UOB
78 GF Score
Price €27.24
GF Value €22.43
Valuation Modestly Overvalued
! 9 Warning Signs
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What is United Overseas Bank Moat Score?

United Overseas Bank HAM:UOB +0.78% 78 Moat Score is 6 as of Jul. 04, 2026. GuruFocus rates HAM:UOB with a GF Score™ of 78/100 and a GF Value™ of €22.43 (Modestly Overvalued). The stock has 9 warning signs investors should review. Among 1,611 Banks companies, United Overseas Bank ranks better than 97.83% on this metric.

United Overseas Bank has the Moat Score of 6, which implies that the company might have Narrow Moat - Strong narrow moat, clearly distinguishable but not wide.

United Overseas Bank has Narrow Moat: United Overseas Bank has a strong narrow moat due to its significant market share in Southeast Asia, brand strength, and customer loyalty. It benefits from economies of scale and regulatory barriers, but lacks the global dominance for a wide moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes United Overseas Bank might have Narrow Moat - Strong narrow moat, clearly distinguishable but not wide.

United Overseas Bank  (HAM:UOB) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

United Overseas Bank Moat Score Related Terms

HAM:UOB vs PNC, USB: Moat Score Comparison

For the Banks - Regional subindustry, United Overseas Bank's Moat Score, along with its competitors' market caps and Moat 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, United Overseas Bank's Moat Score distribution charts can be found below:

* The bar in red indicates where United Overseas Bank's Moat Score falls into.


HAM:UOB
78GF Score
United Overseas Bank Ltd HAM:UOB
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 6 mean?
United Overseas Bank (HAM:UOB) has a Moat Score of 6 as of Jul. 04, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, United Overseas Bank ranks #35 out of 1611 companies in the Banks industry, placing it in the top 2.2%.
Is United Overseas Bank's Moat Score too high?
United Overseas Bank's current Moat Score is 6. Based on the distribution chart, United Overseas Bank ranks #35 out of 1611 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, United Overseas Bank has a GF Score™ of 78/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does United Overseas Bank's Moat Score compare to PNC and USB?
According to the Banks industry distribution chart, United Overseas Bank ranks #35 out of 1611 companies for Moat Score. This places United Overseas Bank in the top 2% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. United Overseas Bank's current Moat Score is 6. 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 €22.43, compared to a current price of €27.24 — trading 21.4% above its estimated fair value. The current Moat Score is 6. United Overseas Bank's overall GF Score™ is 78/100 with 9 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For United Overseas Bank (HAM:UOB), the current Moat Score is 6 as of Jul. 04, 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 21.4% above its estimated GF Value™ of €22.43. GuruFocus considers United Overseas Bank to be Modestly Overvalued.

Key valuation signals for HAM:UOB:

  • Moat Score: 6
  • GF Value™: €22.43 vs. price of €27.24 (21.4% above fair value)
  • GF Score™: 78/100 with 9 warning signs

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 Business Description

Address 80 Raffles Place, UOB Plaza, Singapore, SGP, 048624
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.
78GF Score

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€27.24
Price
€22.43
GF Value