Asia United Bank (PHS:AUB) Scaled Net Operating Assets: 0.07 (As of Mar. 2026)


PHS:AUB Asia United Bank Corp PHS:AUB
66 GF Score
Price ₱44.60
GF Value ₱38.42
Valuation Modestly Overvalued
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What is Asia United Bank Scaled Net Operating Assets?

Asia United Bank PHS:AUB +0.56% 66 Scaled Net Operating Assets is 0.07 as of Mar. 2026. GuruFocus rates PHS:AUB with a GF Score™ of 66/100 and a GF Value™ of ₱38.42 (Modestly Overvalued).

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Asia United Bank's operating assets for the quarter that ended in Mar. 2026 was ₱380,101 Mil. Asia United Bank's operating liabilities for the quarter that ended in Mar. 2026 was ₱349,220 Mil. Asia United Bank's Total Assets for the quarter that ended in Dec. 2025 was ₱434,993 Mil. Therefore, Asia United Bank's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.07.

PHS:AUB
66GF Score
Asia United Bank Corp PHS:AUB
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Asia United Bank Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Asia United Bank's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(399763.123-361750.142)/386048.575
=0.10

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=434993.435 - 35230.312
=399763.123

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=365741.156 - 3991.014 - 0
=361750.142

Asia United Bank's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(380100.757-349220.204)/434993.435
=0.07

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=422522.56 - 42421.803
=380100.757

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=351759.509 - 2539.305 - 0
=349220.204

* 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.

What does a Scaled Net Operating Assets of 0.07 mean?
Asia United Bank (PHS:AUB) has a Scaled Net Operating Assets of 0.07 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Asia United Bank and its competitors.
Is Asia United Bank's Scaled Net Operating Assets too high?
Asia United Bank's current Scaled Net Operating Assets is 0.07. Overall, Asia United Bank has a GF Score™ of 66/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Asia United Bank's Scaled Net Operating Assets compare to competitors?
Asia United Bank's Scaled Net Operating Assets of 0.07 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Asia United Bank and its competitors. Asia United Bank's current Scaled Net Operating Assets is 0.07. 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 Modestly Overvalued. The stock's GF Value™ is ₱38.42, compared to a current price of ₱44.60 — trading 16.1% above its estimated fair value. The current Scaled Net Operating Assets is 0.07. Asia United Bank's overall GF Score™ is 66/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Asia United Bank (PHS:AUB), the current Scaled Net Operating Assets is 0.07 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 ₱44.60 is trading 16.1% above its estimated GF Value™ of ₱38.42. GuruFocus considers Asia United Bank to be Modestly Overvalued.

Key valuation signals for PHS:AUB:

  • Scaled Net Operating Assets: 0.07
  • GF Value™: ₱38.42 vs. price of ₱44.60 (16.1% above fair value)
  • GF Score™: 66/100

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.
66GF Score

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

₱44.60
Price
₱38.42
GF Value