Asia United BankPHS:AUB -2.67%65 Return-on-Tangible-Asset is 3.01% as of Mar. 2026, which is 79% above its 10-year median of 1.68. 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. Among 1,530 Banks companies, Asia United Bank ranks better than 95.23% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. Asia United Bank's annualizedNet Income for the quarter that ended in Mar. 2026 was ₱12,791 Mil. Asia United Bank's average total tangible assets for the quarter that ended in Mar. 2026 was ₱424,871 Mil. Therefore, Asia United Bank's annualized Return-on-Tangible-Asset for the quarter that ended in Mar. 2026 was 3.01%.
The historical rank and industry rank for Asia United Bank's Return-on-Tangible-Asset or its related term are showing as below:
PHS:AUB'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 1.05 Med: 1.68 Max: 3.13
Current: 3.12
During the past 13 years, Asia United Bank's highest Return-on-Tangible-Asset was 3.13%. The lowest was 1.05%. And the median was 1.68%.
PHS:AUB's Return-on-Tangible-Asset is ranked better than 95.23% of 1530
companies
in the Banks industry
Industry Median: 0.99
vs PHS:AUB: 3.12
Asia United Bank (PHS:AUB) Return-on-Tangible-Asset Explanation
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
Asia United Bank Return-on-Tangible-Asset Related Terms
Asia United Bank Return-on-Tangible-Asset Historical Data
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The historical data trend for Asia United Bank's Return-on-Tangible-Asset 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 Return-on-Tangible-Asset Competitor Comparison
For the Banks - Regional subindustry, Asia United Bank's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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 Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Asia United Bank's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Asia United Bank's Return-on-Tangible-Asset 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
What does a Return-on-Tangible-Asset of 3.01% mean?
Asia United Bank (PHS:AUB) has a Return-on-Tangible-Asset of 3.01% as of Mar. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Asia United Bank and its competitors. This is 79% above median its historical median of 1.68. Over the past decade, Asia United Bank's Return-on-Tangible-Asset has ranged from 1.05 to 3.13. According to the industry distribution chart, Asia United Bank ranks #73 out of 1530 companies in the Banks industry, placing it in the top 4.8%.
Is Asia United Bank's Return-on-Tangible-Asset too high?
Asia United Bank's current Return-on-Tangible-Asset of 3.01% is 79% above median its 10-year median of 1.68. Over the past 10 years, this metric has ranged from a low of 1.05 to a high of 3.13. The Banks industry median Return-on-Tangible-Asset is 0.99. Asia United Bank's value of 3.01% is 204% above this industry median. Based on the distribution chart, Asia United Bank ranks #73 out of 1530 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 65/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Asia United Bank's Return-on-Tangible-Asset compare to competitors?
According to the Banks industry distribution chart, Asia United Bank ranks #73 out of 1530 companies for Return-on-Tangible-Asset. This places Asia United Bank in the top 5% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Asset is 0.99. Asia United Bank's value of 3.01% is 204% above this benchmark. Historically, Asia United Bank's own Return-on-Tangible-Asset has ranged from 1.05 to 3.13 over the past decade. While the company's 10-year median is 1.68 vs. the industry median of 0.99, 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 Return-on-Tangible-Asset for a Banks company?
The median Return-on-Tangible-Asset among Banks companies is 0.99, based on 1,530 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Asia United Bank's current Return-on-Tangible-Asset of 3.01% is 204% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Asia United Bank and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 0.99 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Asia United Bank's current Return-on-Tangible-Asset is 3.01%, which is 79% above median its own 10-year median of 1.68. 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 Return-on-Tangible-Asset is 3.01%, which is 79% above median its 10-year median of 1.68 and 204% above the Banks industry median of 0.99. 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 Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For Asia United Bank (PHS:AUB), the current Return-on-Tangible-Asset is 3.01% 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 ₱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:
Return-on-Tangible-Asset: 3.01% (79% above median its 10-year median of 1.68)
GF Value™: ₱38.43 vs. price of ₱51.00 (32.7% above fair value)
Industry Position: 204% above the Banks median (#73 of 1530)
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.
65GF Score
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