Asia United BankPHS:AUB +6.87%67 Return-on-Tangible-Equity is 19.39% as of Mar. 2026, which is 28% above its 10-year median of 15.15. GuruFocus rates PHS:AUB with a GF Score™ of 67/100 and a GF Value™ of ₱38.42 (Significantly Overvalued). The stock has 2 warning signs investors should review. Among 1,525 Banks companies, Asia United Bank ranks better than 90.03% 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. Asia United Bank's annualized net income for the quarter that ended in Mar. 2026 was ₱12,791 Mil. Asia United Bank's average shareholder tangible equity for the quarter that ended in Mar. 2026 was ₱65,974 Mil. Therefore, Asia United Bank's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 19.39%.
The historical rank and industry rank for Asia United Bank's Return-on-Tangible-Equity or its related term are showing as below:
PHS:AUB'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 10.05 Med: 15.15 Max: 22.89
Current: 20.44
During the past 13 years, Asia United Bank's highest Return-on-Tangible-Equity was 22.89%. The lowest was 10.05%. And the median was 15.15%.
PHS:AUB's Return-on-Tangible-Equity is ranked better than 90.03% of 1525
companies
in the Banks industry
Industry Median: 11.2
vs PHS:AUB: 20.44
Asia United Bank (PHS:AUB) 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.
Asia United Bank Return-on-Tangible-Equity Related Terms
Asia United Bank Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Asia United 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.
Asia United Bank Return-on-Tangible-Equity Competitor Comparison
For the Banks - Regional subindustry, Asia United 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.
Asia United Bank Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Asia United Bank's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Asia United 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 four times the quarterly (Mar. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 19.39% mean?
Asia United Bank (PHS:AUB) has a Return-on-Tangible-Equity of 19.39% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Asia United Bank and its competitors. This is 28% above median its historical median of 15.15. Over the past decade, Asia United Bank's Return-on-Tangible-Equity has ranged from 10.05 to 22.89. According to the industry distribution chart, Asia United Bank ranks #152 out of 1525 companies in the Banks industry, placing it in the top 10%.
Is Asia United Bank's Return-on-Tangible-Equity too high?
Asia United Bank's current Return-on-Tangible-Equity of 19.39% is 28% above median its 10-year median of 15.15. Over the past 10 years, this metric has ranged from a low of 10.05 to a high of 22.89. The Banks industry median Return-on-Tangible-Equity is 11.20. Asia United Bank's value of 19.39% is 73.1% above this industry median. Based on the distribution chart, Asia United Bank ranks #152 out of 1525 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 67/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Asia United Bank's Return-on-Tangible-Equity compare to competitors?
According to the Banks industry distribution chart, Asia United Bank ranks #152 out of 1525 companies for Return-on-Tangible-Equity. This places Asia United Bank in the top 10% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 11.20. Asia United Bank's value of 19.39% is 73.1% above this benchmark. Historically, Asia United Bank's own Return-on-Tangible-Equity has ranged from 10.05 to 22.89 over the past decade. While the company's 10-year median is 15.15 vs. the industry median of 11.20, 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-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.20, based on 1,525 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. Asia United Bank's current Return-on-Tangible-Equity of 19.39% is 73.1% 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-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 Asia United Bank and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.20 — 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-Equity is 19.39%, which is 28% above median its own 10-year median of 15.15. 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 ₱38.42, compared to a current price of ₱52.90 — trading 37.7% above its estimated fair value. The current Return-on-Tangible-Equity is 19.39%, which is 28% above median its 10-year median of 15.15 and 73.1% above the Banks industry median of 11.20. Asia United Bank's overall GF Score™ is 67/100 with 2 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 Asia United Bank (PHS:AUB), the current Return-on-Tangible-Equity is 19.39% 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 ₱52.90 is trading 37.7% above its estimated GF Value™ of ₱38.42.
GuruFocus considers Asia United Bank to be Significantly Overvalued.
Key valuation signals for PHS:AUB:
Return-on-Tangible-Equity: 19.39% (28% above median its 10-year median of 15.15)
GF Value™: ₱38.42 vs. price of ₱52.90 (37.7% above fair value)
Industry Position: 73.1% above the Banks median (#152 of 1525)
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.
67GF Score
Get the complete analysis for PHS:AUB
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
PHS:AUB has been successfully added to your 
