Asia United Bank (PHS:AUB) GF Value Rank: 3 (As of Jul. 06, 2026) — 50% Below Median


PHS:AUB Asia United Bank Corp PHS:AUB
65 GF Score
Price ₱51.00
GF Value ₱38.43
Valuation Significantly Overvalued
! 4 Warning Signs
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What is Asia United Bank GF Value Rank?

Asia United Bank PHS:AUB -2.67% 65 GF Value Rank is 3 as of Jul. 06, 2026, which is 50% below its 10-year median of 6.00. GuruFocus rates PHS:AUB with a GF Score™ of 65/100 and a GF Value™ of ₱38.43 (Significantly Overvalued). The stock has 4 warning signs investors should review.

Asia United Bank has the GF Value Rank of 3.

GF Value Rank evaluates the exclusive GuruFocus valuation and performance of a stock, rated on a scale from 1 to 10. It is determined by the price-to-GF-Value (P/GF Value) ratio, a proprietary metric calculated based on historical multiples along with an adjustment factor based on a company's past returns and growth and future estimates of the business' performance.

GuruFocus found that for valuation, we cannot simply give stocks a better GF Value rank simply because they have a lower P/GF Value ratio. Backtesting shows that over the long term, the two worst-performing groups are the most expensive group (with the highest P/GF Value ratio) and the least expensive group (with the lowest P/GF Value ratio).

We can understand why the most expensive group underperforms. We were initially puzzled by the underperformance of the least expensive group, but we realized there is a reason why some stocks are super cheap. If they look too undervalued, it is often because the businesses behind them are poor quality. The market realized this and gave them low valuations. In a way, the market is efficient.

After multiple backtesting analyses, we granted the stocks in third-cheapest percentile the highest GF Value rank, as they have performed the best over a full market cycle. Stock performance is actually not as sensitive to valuation as it is to growth and profitability. On average, the companies in the 20%-50% valuation groups have similar performances. Therefore, we should avoid the most expensive and the least expensive stocks. We can be more tolerant of valuation.

A higher score indicates a stock with a relatively low valuation and substantial potential for outperformance. Conversely, a lower score often reflects stocks that are either highly overvalued or deeply undervalued, both of which tend to underperform.

Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.

Asia United Bank GF Value Rank Related Terms

Asia United Bank GF Value Rank Competitor Comparison

For the Banks - Regional subindustry, Asia United Bank's GF Value Rank, along with its competitors' market caps and GF Value Rank 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 GF Value Rank vs Banks Industry

For the Banks industry and Financial Services sector, Asia United Bank's GF Value Rank distribution charts can be found below:

* The bar in red indicates where Asia United Bank's GF Value Rank falls into.


PHS:AUB
65GF Score
Asia United Bank Corp PHS:AUB
GF Value Rank is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about GF Value Rank →
What does a GF Value Rank of 3 mean?
Asia United Bank (PHS:AUB) has a GF Value Rank of 3 as of Jul. 06, 2026. GF Value Rank is given based on historical multiples along with past returns, growth and future estimates of the business' performance. View historical data on Asia United Bank and its competitors. This is 50% below median its historical median of 6.00. Over the past decade, Asia United Bank's GF Value Rank has ranged from 1.00 to 10.00.
Is Asia United Bank's GF Value Rank too high?
Asia United Bank's current GF Value Rank of 3 is 50% below median its 10-year median of 6.00. Over the past 10 years, this metric has ranged from a low of 1.00 to a high of 10.00. Overall, Asia United Bank has a GF Score™ of 65/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Asia United Bank's GF Value Rank compare to competitors?
Asia United Bank's GF Value Rank of 3 can be compared against companies in the Banks industry. Historically, Asia United Bank's own GF Value Rank has ranged from 1.00 to 10.00 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 GF Value Rank for a Banks company?
A good GF Value Rank depends on the Banks industry context. However, GF Value Rank 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 GF Value Rank mean?
A high GF Value Rank can signal that a stock is expensive relative to its fundamentals. GF Value Rank is given based on historical multiples along with past returns, growth and future estimates of the business' performance. View historical data on Asia United Bank and its competitors. Asia United Bank's current GF Value Rank is 3, which is 50% below median its own 10-year median of 6.00. 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 Significantly Overvalued. The stock's GF Value™ is ₱38.43, compared to a current price of ₱51.00 — trading 32.7% above its estimated fair value. The current GF Value Rank is 3, which is 50% below median its 10-year median of 6.00. Asia United Bank's overall GF Score™ is 65/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is GF Value Rank calculated?
GF Value Rank is calculated from a company's financial statements. For Asia United Bank (PHS:AUB), the current GF Value Rank is 3 as of Jul. 06, 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 ₱51.00 is trading 32.7% above its estimated GF Value™ of ₱38.43. GuruFocus considers Asia United Bank to be Significantly Overvalued.

Key valuation signals for PHS:AUB:

  • GF Value Rank: 3 (50% below median its 10-year median of 6.00)
  • GF Value™: ₱38.43 vs. price of ₱51.00 (32.7% above fair value)
  • GF Score™: 65/100 with 4 warning signs

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 Business Description

Address No. 17 ADB Avenue, Joy-Nostalg Center, Ortigas Center, Pasig City, PHL, 1600
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.
65GF Score

Get the complete analysis for PHS:AUB

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

₱51.00
Price
₱38.43
GF Value