Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments.
Asia United Bank's 3-Year RORE % for the quarter that ended in Mar. 2026 was 24.37%.
The industry rank for Asia United Bank's 3-Year RORE % or its related term are showing as below:
PHS:AUB's 3-Year RORE % is ranked better than 76.67% of 1470
companies
in the Banks industry
Industry Median: 9.875
vs PHS:AUB: 24.37
Asia United Bank (PHS:AUB) 3-Year RORE % Explanation
Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.
There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 3-year period is chosen.
Be Aware
Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.
Asia United Bank 3-Year RORE % Related Terms
Asia United Bank 3-Year RORE % Historical Data
* Premium members only.
The historical data trend for Asia United Bank's 3-Year RORE % 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 3-Year RORE % Competitor Comparison
For the Banks - Regional subindustry, Asia United Bank's 3-Year RORE %, along with its competitors' market caps and 3-Year RORE % 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 3-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, Asia United Bank's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Asia United Bank's 3-Year RORE % 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 3-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Mar. 2026 and 3-year before.
Asia United Bank (PHS:AUB) has a 3-Year RORE % of 24.37 as of Mar. 2026. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Asia United Bank and its competitors. According to the industry distribution chart, Asia United Bank ranks #343 out of 1470 companies in the Banks industry, placing it in the top 23.3%.
Is Asia United Bank's 3-Year RORE % too high?
Asia United Bank's current 3-Year RORE % is 24.37. The Banks industry median 3-Year RORE % is 9.88. Asia United Bank's value of 24.37 is 146.8% above this industry median. Based on the distribution chart, Asia United Bank ranks #343 out of 1470 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 3-Year RORE % compare to competitors?
According to the Banks industry distribution chart, Asia United Bank ranks #343 out of 1470 companies for 3-Year RORE %. This places Asia United Bank in the top 23% of its industry — outperforming the majority of peers. The industry median 3-Year RORE % is 9.88. Asia United Bank's value of 24.37 is 146.8% 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-Year RORE % for a Banks company?
The median 3-Year RORE % among Banks companies is 9.88, based on 1,470 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Asia United Bank's current 3-Year RORE % of 24.37 is 146.8% 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-Year RORE % mean?
A high 3-Year RORE % can signal that a stock is expensive relative to its fundamentals. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Asia United Bank and its competitors. For the Banks industry, the median 3-Year RORE % is 9.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Asia United Bank's current 3-Year RORE % is 24.37. 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 ₱52.90 — trading 37.7% above its estimated fair value. The current 3-Year RORE % is 24.37 and 146.8% above the Banks industry median of 9.88. Asia United Bank's overall GF Score™ is 67/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year RORE % calculated?
3-Year RORE % is calculated from a company's financial statements. For Asia United Bank (PHS:AUB), the current 3-Year RORE % is 24.37 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 ₱38.43.
GuruFocus considers Asia United Bank to be Significantly Overvalued.
Key valuation signals for PHS:AUB:
3-Year RORE %: 24.37
GF Value™: ₱38.43 vs. price of ₱52.90 (37.7% above fair value)
Industry Position: 146.8% above the Banks median (#343 of 1470)
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
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