United Overseas BankHAM:UOB +4.93%79 Return-on-Tangible-Equity is 8.00% as of Dec. 2025, which is 31% below its 10-year median of 11.54. GuruFocus rates HAM:UOB with a GF Score™ of 79/100 and a GF Value™ of €22.98 (Modestly Overvalued). The stock has 9 warning signs investors should review. Among 1,521 Banks companies, United Overseas Bank ranks worse than 55.88% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. United Overseas Bank's annualized net income for the quarter that ended in Dec. 2025 was €2,452 Mil. United Overseas Bank's average shareholder tangible equity for the quarter that ended in Dec. 2025 was €30,663 Mil. Therefore, United Overseas Bank's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 was 8.00%.
The historical rank and industry rank for United Overseas Bank's Return-on-Tangible-Equity or its related term are showing as below:
HAM:UOB'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 8.07 Med: 11.54 Max: 14.33
Current: 10.29
During the past 13 years, United Overseas Bank's highest Return-on-Tangible-Equity was 14.33%. The lowest was 8.07%. And the median was 11.54%.
HAM:UOB's Return-on-Tangible-Equity is ranked worse than 55.88% of 1521
companies
in the Banks industry
Industry Median: 11.19
vs HAM:UOB: 10.29
United Overseas Bank (HAM:UOB) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
United Overseas Bank Return-on-Tangible-Equity Related Terms
United Overseas Bank Return-on-Tangible-Equity Historical Data
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The historical data trend for United Overseas Bank's Return-on-Tangible-Equity 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.
United Overseas Bank Return-on-Tangible-Equity Chart
HAM:UOB vs PNC, USB: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, United Overseas Bank's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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.
United Overseas Bank Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, United Overseas Bank's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where United Overseas Bank's Return-on-Tangible-Equity 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-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is two times the semi-annual (Dec. 2025) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 8.00% mean?
United Overseas Bank (HAM:UOB) has a Return-on-Tangible-Equity of 8.00% as of Dec. 2025. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on United Overseas Bank and its competitors. This is 31% below median its historical median of 11.54. Over the past decade, United Overseas Bank's Return-on-Tangible-Equity has ranged from 8.07 to 14.33. According to the industry distribution chart, United Overseas Bank ranks #850 out of 1521 companies in the Banks industry, placing it in the top 55.9%.
Is United Overseas Bank's Return-on-Tangible-Equity too high?
United Overseas Bank's current Return-on-Tangible-Equity of 8.00% is 31% below median its 10-year median of 11.54. Over the past 10 years, this metric has ranged from a low of 8.07 to a high of 14.33. The Banks industry median Return-on-Tangible-Equity is 11.19. United Overseas Bank's value of 8.00% is 28.5% below this industry median. Based on the distribution chart, United Overseas Bank ranks #850 out of 1521 companies in the Banks industry, which is below the industry midpoint. Overall, United Overseas Bank has a GF Score™ of 79/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does United Overseas Bank's Return-on-Tangible-Equity compare to PNC and USB?
According to the Banks industry distribution chart, United Overseas Bank ranks #850 out of 1521 companies for Return-on-Tangible-Equity. This places United Overseas Bank in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.19. United Overseas Bank's value of 8.00% is 28.5% below this benchmark. Historically, United Overseas Bank's own Return-on-Tangible-Equity has ranged from 8.07 to 14.33 over the past decade. While the company's 10-year median is 11.54 vs. the industry median of 11.19, United Overseas Bank 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 Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.19, based on 1,521 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. United Overseas Bank's current Return-on-Tangible-Equity of 8.00% is 28.5% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on United Overseas Bank and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Overseas Bank's current Return-on-Tangible-Equity is 8.00%, which is 31% below median its own 10-year median of 11.54. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is United Overseas Bank stock overvalued right now?
Based on GuruFocus' analysis, United Overseas Bank (HAM:UOB) is currently considered Modestly Overvalued. The stock's GF Value™ is €22.98, compared to a current price of €29.35 — trading 27.7% above its estimated fair value. The current Return-on-Tangible-Equity is 8.00%, which is 31% below median its 10-year median of 11.54 and 28.5% below the Banks industry median of 11.19. United Overseas Bank's overall GF Score™ is 79/100 with 9 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For United Overseas Bank (HAM:UOB), the current Return-on-Tangible-Equity is 8.00% as of Dec. 2025. 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 United Overseas Bank (HAM:UOB) Overvalued in 2026?
Based on GuruFocus' analysis, United Overseas Bank stock appears to be overvalued.
The current stock price of €29.35 is trading 27.7% above its estimated GF Value™ of €22.98.
GuruFocus considers United Overseas Bank to be Modestly Overvalued.
Key valuation signals for HAM:UOB:
Return-on-Tangible-Equity: 8.00% (31% below median its 10-year median of 11.54)
GF Value™: €22.98 vs. price of €29.35 (27.7% above fair value)
Industry Position: 28.5% below the Banks median (#850 of 1521)
No single metric tells the full story. See the HAM:UOB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
United Overseas Bank is a diversified financial institution based in Singapore. Its regional reach spans Greater China and Southeast Asia. Key countries include Malaysia, Thailand, and Indonesia. Singapore, its core market, makes up around 50% of its total assets. The group offers a wide range of services, including consumer, commercial and corporate, and investment banking; corporate finance; treasury services; and wealth management, insurance, and brokerage services.
79GF Score
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