Asia United BankPHS:AUB +0.56%66 Net Margin % is 51.63% as of Mar. 2026, which is 44% above its 10-year median of 35.81. GuruFocus rates PHS:AUB with a GF Score™ of 66/100 and a GF Value™ of ₱38.42 (Modestly Overvalued). Among 1,527 Banks companies, Asia United Bank ranks better than 95.87% on this metric.
The historical rank and industry rank for Asia United Bank's Net Margin % or its related term are showing as below:
PHS:AUB'
s Net Margin % Range Over the Past 10 Years
Min: 20.11 Med: 35.81 Max: 54.91
Current: 53.75
PHS:AUB's Net Margin % is ranked better than 95.87% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs PHS:AUB: 53.75
Asia United Bank (PHS:AUB) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Asia United Bank Net Margin % Related Terms
Asia United Bank Net Margin % Historical Data
* Premium members only.
The historical data trend for Asia United Bank's Net Margin % 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 Net Margin % Competitor Comparison
For the Banks - Regional subindustry, Asia United Bank's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Asia United Bank's Net Margin % distribution charts can be found below:
* The bar in red indicates where Asia United Bank's Net Margin % falls into.
* 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 (PHS:AUB) has a Net Margin % of 51.63% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Asia United Bank and its competitors. This is 44% above median its historical median of 35.81. Over the past decade, Asia United Bank's Net Margin % has ranged from 20.11 to 54.91. According to the industry distribution chart, Asia United Bank ranks #63 out of 1527 companies in the Banks industry, placing it in the top 4.1%.
Is Asia United Bank's Net Margin % too high?
Asia United Bank's current Net Margin % of 51.63% is 44% above median its 10-year median of 35.81. Over the past 10 years, this metric has ranged from a low of 20.11 to a high of 54.91. The Banks industry median Net Margin % is 26.95. Asia United Bank's value of 51.63% is 91.6% above this industry median. Based on the distribution chart, Asia United Bank ranks #63 out of 1527 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Asia United Bank has a GF Score™ of 66/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Asia United Bank's Net Margin % compare to competitors?
According to the Banks industry distribution chart, Asia United Bank ranks #63 out of 1527 companies for Net Margin %. This places Asia United Bank in the top 4% of its industry — outperforming the majority of peers. The industry median Net Margin % is 26.95. Asia United Bank's value of 51.63% is 91.6% above this benchmark. Historically, Asia United Bank's own Net Margin % has ranged from 20.11 to 54.91 over the past decade. While the company's 10-year median is 35.81 vs. the industry median of 26.95, 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.95, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Asia United Bank's current Net Margin % of 51.63% is 91.6% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Asia United Bank and its competitors. For the Banks industry, the median Net Margin % is 26.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Asia United Bank's current Net Margin % is 51.63%, which is 44% above median its own 10-year median of 35.81. 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 ₱38.42, compared to a current price of ₱44.60 — trading 16.1% above its estimated fair value. The current Net Margin % is 51.63%, which is 44% above median its 10-year median of 35.81 and 91.6% above the Banks industry median of 26.95. Asia United Bank's overall GF Score™ is 66/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Asia United Bank (PHS:AUB), the current Net Margin % is 51.63% 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 ₱44.60 is trading 16.1% above its estimated GF Value™ of ₱38.42.
GuruFocus considers Asia United Bank to be Modestly Overvalued.
Key valuation signals for PHS:AUB:
Net Margin %: 51.63% (44% above median its 10-year median of 35.81)
GF Value™: ₱38.42 vs. price of ₱44.60 (16.1% above fair value)
Industry Position: 91.6% above the Banks median (#63 of 1527)
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.
66GF Score
Get the complete analysis for PHS:AUB
Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
PHS:AUB has been successfully added to your 
