Union Bank Of The PhilippinesPHS:UBP -1.21%77 PB Ratio is 0.40 as of Jun. 26, 2026, which is 54% below its 10-year median of 0.87. GuruFocus rates PHS:UBP with a GF Score™ of 77/100 and a GF Value™ of ₱37.70 (Significantly Undervalued). The stock has 1 warning sign investors should review. Among 1,516 Banks companies, Union Bank Of The Philippines ranks better than 91.75% on this metric.
Union Bank Of The Philippines Inc stock PB Ratio (=0.41) is close to 10-year low of 0.4.
The historical rank and industry rank for Union Bank Of The Philippines's PB Ratio or its related term are showing as below:
PHS:UBP'
s PB Ratio Range Over the Past 10 Years
Min: 0.4 Med: 0.87 Max: 1.51
Current: 0.41
During the past 13 years, Union Bank Of The Philippines's highest PB Ratio was 1.51. The lowest was 0.40. And the median was 0.87.
PHS:UBP's PB Ratio is ranked better than 91.75% of 1516
companies
in the Banks industry
Industry Median: 1.09
vs PHS:UBP: 0.41
During the past 12 months, Union Bank Of The Philippines's average Book Value Per Share Growth Rate was 4.10% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 5.90% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 6.20% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 7.90% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Union Bank Of The Philippines was 16.20% per year. The lowest was 5.90% per year. And the median was 8.70% per year.
Back to Basics: PB Ratio
Union Bank Of The Philippines (PHS:UBP) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Union Bank Of The Philippines PB Ratio Related Terms
Union Bank Of The Philippines PB Ratio Historical Data
* 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.
Union Bank Of The Philippines PB Ratio Competitor Comparison
For the Banks - Regional subindustry, Union Bank Of The Philippines's PB Ratio, along with its competitors' market caps and PB Ratio 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.
Union Bank Of The Philippines PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Union Bank Of The Philippines's PB Ratio distribution charts can be found below:
* The bar in red indicates where Union Bank Of The Philippines's PB Ratio falls into.
Union Bank Of The Philippines PB Ratio Calculation
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Union Bank Of The Philippines (PHS:UBP) has a PB Ratio of 0.40 as of Jun. 26, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Union Bank Of The Philippines and its competitors. This is 54% below median its historical median of 0.87. Over the past decade, Union Bank Of The Philippines' PB Ratio has ranged from 0.40 to 1.51. According to the industry distribution chart, Union Bank Of The Philippines ranks #125 out of 1516 companies in the Banks industry, placing it in the top 8.2%.
Is Union Bank Of The Philippines' PB Ratio too high?
Union Bank Of The Philippines' current PB Ratio of 0.40 is 54% below median its 10-year median of 0.87. Over the past 10 years, this metric has ranged from a low of 0.40 to a high of 1.51. The Banks industry median PB Ratio is 1.09. Union Bank Of The Philippines' value of 0.40 is 63.3% below this industry median. Based on the distribution chart, Union Bank Of The Philippines ranks #125 out of 1516 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Union Bank Of The Philippines has a GF Score™ of 77/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Union Bank Of The Philippines' PB Ratio compare to competitors?
According to the Banks industry distribution chart, Union Bank Of The Philippines ranks #125 out of 1516 companies for PB Ratio. This places Union Bank Of The Philippines in the top 8% of its industry — outperforming the majority of peers. The industry median PB Ratio is 1.09. Union Bank Of The Philippines' value of 0.40 is 63.3% below this benchmark. Historically, Union Bank Of The Philippines' own PB Ratio has ranged from 0.40 to 1.51 over the past decade. While the company's 10-year median is 0.87 vs. the industry median of 1.09, Union Bank Of The Philippines has consistently been below 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.09, based on 1,516 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Union Bank Of The Philippines's current PB Ratio of 0.40 is 63.3% below 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Union Bank Of The Philippines and its competitors. For the Banks industry, the median PB Ratio is 1.09 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Union Bank Of The Philippines's current PB Ratio is 0.40, which is 54% below median its own 10-year median of 0.87. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Union Bank Of The Philippines stock overvalued right now?
Based on GuruFocus' analysis, Union Bank Of The Philippines (PHS:UBP) is currently considered Significantly Undervalued. The stock's GF Value™ is ₱37.70, compared to a current price of ₱24.50 — trading 35% below its estimated fair value. The current PB Ratio is 0.40, which is 54% below median its 10-year median of 0.87 and 63.3% below the Banks industry median of 1.09. Union Bank Of The Philippines' overall GF Score™ is 77/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Union Bank Of The Philippines (PHS:UBP), the current PB Ratio is 0.40 as of Jun. 26, 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 Union Bank Of The Philippines (PHS:UBP) Overvalued in 2026?
Based on GuruFocus' analysis, Union Bank Of The Philippines stock appears to be undervalued.
The current stock price of ₱24.50 is trading 35% below its estimated GF Value™ of ₱37.70.
GuruFocus considers Union Bank Of The Philippines to be Significantly Undervalued.
Key valuation signals for PHS:UBP:
PB Ratio: 0.40 (54% below median its 10-year median of 0.87)
GF Value™: ₱37.70 vs. price of ₱24.50 (35% below fair value)
Industry Position: 63.3% below the Banks median (#125 of 1516)
No single metric tells the full story. See the PHS:UBP stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Union Bank Of The Philippines Business Description
Union Bank Of The Philippines Inc is a company that provides commercial banking products and services. It offers loans and deposits, cash management, retail banking, foreign exchange, capital markets, corporate and consumer finance, investment management, and trust banking. The group's main operating business segments are Consumer Banking, Institutional Banking, Mass Market/Digital Banking, Trust and Insurance, Treasury Banking, and Headquarters. The majority share of groups revenue is generated from the Consumer Banking business segment, which principally handles individual customers' deposits and provides consumer-type loans, such as automobiles and mortgage financing, credit card facilities, and funds transfer facilities.
77GF Score
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