3-1 Month Momentum % is the total return of the stock from 3-month ago to 1-month ago. As of today (2026-07-11), Union Bank Of The Philippines's 3-1 Month Momentum % is 1.01%.
The industry rank for Union Bank Of The Philippines's 3-1 Month Momentum % or its related term are showing as below:
PHS:UBP's 3-1 Month Momentum % is ranked better than 50.35% of 1567
companies
in the Banks industry
Industry Median: 0.96
vs PHS:UBP: 1.01
Union Bank Of The Philippines (PHS:UBP) 3-1 Month Momentum % Explanation
Momentum investing is a trading strategy in which investors buy securities that are rising and sell before the prices start to go back down. The 3-1 Month Momentum % measures the total return to a stock over the past three months, but ignores the previous month.
The reason why the most recent month’s return dropped related to the short-term reversal effect associated with momentum. There is an academic finding that short-term momentum actually has a reversal effect, whereby the previous winners (measured over the past months) do poorly the next month, while the previous losers do well the next month. In order to eliminate the short-term reversal effect, the previous month return was not included in this calculation.
Union Bank Of The Philippines 3-1 Month Momentum % Related Terms
Union Bank Of The Philippines 3-1 Month Momentum % Competitor Comparison
For the Banks - Regional subindustry, Union Bank Of The Philippines's 3-1 Month Momentum %, along with its competitors' market caps and 3-1 Month Momentum % 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 3-1 Month Momentum % vs Banks Industry
For the Banks industry and Financial Services sector, Union Bank Of The Philippines's 3-1 Month Momentum % distribution charts can be found below:
* The bar in red indicates where Union Bank Of The Philippines's 3-1 Month Momentum % falls into.
Union Bank Of The Philippines (PHS:UBP) 3-1 Month Momentum % Calculation
3-1 Month Momentum % is calculated as following:
3-1 Month Momentum %
=
( Price 1-month ago
/
Price 3-month ago
- 1 )
*
100 %
* 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 (PHS:UBP) has a 3-1 Month Momentum % of 1.01% as of Jul. 11, 2026. 3-1 Month Momentum measures the total return of the stock from 3-month ago to 1-month ago. View historical data on Union Bank Of The Philippines and its competitors. According to the industry distribution chart, Union Bank Of The Philippines ranks #778 out of 1567 companies in the Banks industry, placing it in the top 49.6%.
Is Union Bank Of The Philippines' 3-1 Month Momentum % too high?
Union Bank Of The Philippines' current 3-1 Month Momentum % is 1.01%. The Banks industry median 3-1 Month Momentum % is 0.96. Union Bank Of The Philippines' value of 1.01% is 5.2% above this industry median. Based on the distribution chart, Union Bank Of The Philippines ranks #778 out of 1567 companies in the Banks industry, which is above the industry midpoint. Overall, Union Bank Of The Philippines has a GF Score™ of 78/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Union Bank Of The Philippines' 3-1 Month Momentum % compare to competitors?
According to the Banks industry distribution chart, Union Bank Of The Philippines ranks #778 out of 1567 companies for 3-1 Month Momentum %. This puts Union Bank Of The Philippines in the upper half of its industry. The industry median 3-1 Month Momentum % is 0.96. Union Bank Of The Philippines' value of 1.01% is 5.2% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-1 Month Momentum % for a Banks company?
The median 3-1 Month Momentum % among Banks companies is 0.96, based on 1,567 companies in the industry. Companies in the top quartile (top 25%) have a 3-1 Month Momentum % significantly above this median, while those in the bottom quartile fall well below. However, 3-1 Month Momentum % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Union Bank Of The Philippines's current 3-1 Month Momentum % of 1.01% is 5.2% 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 3-1 Month Momentum % mean?
A high 3-1 Month Momentum % can signal that a stock is expensive relative to its fundamentals. 3-1 Month Momentum measures the total return of the stock from 3-month ago to 1-month ago. View historical data on Union Bank Of The Philippines and its competitors. For the Banks industry, the median 3-1 Month Momentum % is 0.96 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Union Bank Of The Philippines's current 3-1 Month Momentum % is 1.01%. 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 ₱37.85, compared to a current price of ₱24.00 — trading 36.6% below its estimated fair value. The current 3-1 Month Momentum % is 1.01% and 5.2% above the Banks industry median of 0.96. Union Bank Of The Philippines' overall GF Score™ is 78/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-1 Month Momentum % calculated?
3-1 Month Momentum % is calculated from a company's financial statements. For Union Bank Of The Philippines (PHS:UBP), the current 3-1 Month Momentum % is 1.01% as of Jul. 11, 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 ₱24.00 is trading 36.6% below its estimated GF Value™ of ₱37.85.
GuruFocus considers Union Bank Of The Philippines to be Significantly Undervalued.
Key valuation signals for PHS:UBP:
3-1 Month Momentum %: 1.01%
GF Value™: ₱37.85 vs. price of ₱24.00 (36.6% below fair value)
Industry Position: 5.2% above the Banks median (#778 of 1567)
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.
78GF Score
Get the complete analysis for PHS:UBP
3-1 Month Momentum % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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