United Overseas Bank (HAM:UOB) Tariff Resilience Score: 6/10 (As of Jul. 07, 2026)


HAM:UOB United Overseas Bank Ltd HAM:UOB
79 GF Score
Price €27.35
GF Value €22.98
Valuation Modestly Overvalued
! 9 Warning Signs
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What is United Overseas Bank Tariff Resilience Score?

United Overseas Bank HAM:UOB +0.40% 79 Tariff Resilience Score is 6 as of Jul. 07, 2026. 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 1,607 Banks companies, United Overseas Bank ranks better than 57% on this metric.

United Overseas Bank has the Tariff Resilience Score of 6, which implies that the company might have Average Resilient.

United Overseas Bank has United Overseas Bank has international operations, exposing it to potential tariff impacts. However, its diversified financial services and ability to adjust strategies provide some resilience against tariff changes, resulting in a moderate score.

Tariff Resilience Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more.

The company's exposure to international trade tariffs based on these criteria:

1. Global supply chain dependencies
2. Manufacturing locations versus sales markets
3. Import/export balance and percentage of revenue
4. Historical impact from previous tariff changes
5. Available mitigation strategies (alternative suppliers, pricing power)
6. Industry-specific tariff exemptions or vulnerabilities

Based on the research, GuruFocus believes United Overseas Bank might have Average Resilient.

United Overseas Bank  (HAM:UOB) Tariff Resilience Score Explanation

The Tariff Resilience Score ranges from 0 to 10, with 10 as the most resilient. GuruFocus divided Moat Score into following 3 categories:

Tariff Resilience Score Resilience Level
7 - 10Highly Resilient
4 - 6Average Resilient
0 - 3Highly Vulnerable

United Overseas Bank Tariff Resilience Score Related Terms

HAM:UOB vs PNC, USB: Tariff Resilience Score Comparison

For the Banks - Regional subindustry, United Overseas Bank's Tariff Resilience Score, along with its competitors' market caps and Tariff Resilience Score 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 Tariff Resilience Score vs Banks Industry

For the Banks industry and Financial Services sector, United Overseas Bank's Tariff Resilience Score distribution charts can be found below:

* The bar in red indicates where United Overseas Bank's Tariff Resilience Score falls into.


HAM:UOB
79GF Score
United Overseas Bank Ltd HAM:UOB
Tariff Resilience Score is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a Tariff Resilience Score of 6 mean?
United Overseas Bank (HAM:UOB) has a Tariff Resilience Score of 6 as of Jul. 07, 2026. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. According to the industry distribution chart, United Overseas Bank ranks #691 out of 1607 companies in the Banks industry, placing it in the top 43%.
Is United Overseas Bank's Tariff Resilience Score too high?
United Overseas Bank's current Tariff Resilience Score is 6. Based on the distribution chart, United Overseas Bank ranks #691 out of 1607 companies in the Banks industry, which is above 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 Tariff Resilience Score compare to PNC and USB?
According to the Banks industry distribution chart, United Overseas Bank ranks #691 out of 1607 companies for Tariff Resilience Score. This puts United Overseas Bank in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Tariff Resilience Score for a Banks company?
A good Tariff Resilience Score depends on the Banks industry context. However, Tariff Resilience Score 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 Tariff Resilience Score mean?
A high Tariff Resilience Score can signal that a stock is expensive relative to its fundamentals. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. United Overseas Bank's current Tariff Resilience Score is 6. 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 €27.35 — trading 19% above its estimated fair value. The current Tariff Resilience Score is 6. 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 Tariff Resilience Score calculated?
Tariff Resilience Score is calculated from a company's financial statements. For United Overseas Bank (HAM:UOB), the current Tariff Resilience Score is 6 as of Jul. 07, 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 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 €27.35 is trading 19% above its estimated GF Value™ of €22.98. GuruFocus considers United Overseas Bank to be Modestly Overvalued.

Key valuation signals for HAM:UOB:

  • Tariff Resilience Score: 6
  • GF Value™: €22.98 vs. price of €27.35 (19% above fair value)
  • GF Score™: 79/100 with 9 warning signs

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 Business Description

Address 80 Raffles Place, UOB Plaza, Singapore, SGP, 048624
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

Get the complete analysis for HAM:UOB

Tariff Resilience Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€27.35
Price
€22.98
GF Value