Asia United BankPHS:AUB +0.77%65 5-Year Yield-on-Cost % is 10.62 as of Jul. 05, 2026, which is 6% above its 10-year median of 10.01. GuruFocus rates PHS:AUB with a GF Score™ of 65/100 and a GF Value™ of ₱38.43 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 1,256 Banks companies, Asia United Bank ranks better than 88.61% on this metric.
Asia United Bank's yield on cost for the quarter that ended in Mar. 2026 was 10.62.
The historical rank and industry rank for Asia United Bank's 5-Year Yield-on-Cost % or its related term are showing as below:
PHS:AUB'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.64 Med: 10.01 Max: 18.72
Current: 10.62
During the past 13 years, Asia United Bank's highest Yield on Cost was 18.72. The lowest was 2.64. And the median was 10.01.
PHS:AUB's 5-Year Yield-on-Cost % is ranked better than 88.61% of 1256
companies
in the Banks industry
Industry Median: 3.905
vs PHS:AUB: 10.62
Asia United Bank (PHS:AUB) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Asia United Bank 5-Year Yield-on-Cost % Related Terms
Asia United Bank 5-Year Yield-on-Cost % Competitor Comparison
For the Banks - Regional subindustry, Asia United Bank's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Asia United Bank's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Asia United Bank's 5-Year Yield-on-Cost % falls into.
Asia United Bank 5-Year Yield-on-Cost % Calculation
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Asia United Bank (PHS:AUB) has a 5-Year Yield-on-Cost % of 10.62 as of Jul. 05, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Asia United Bank and its competitors. This is near median its historical median of 10.01. Over the past decade, Asia United Bank's 5-Year Yield-on-Cost % has ranged from 2.64 to 18.72. According to the industry distribution chart, Asia United Bank ranks #143 out of 1256 companies in the Banks industry, placing it in the top 11.4%.
Is Asia United Bank's 5-Year Yield-on-Cost % too high?
Asia United Bank's current 5-Year Yield-on-Cost % of 10.62 is near median its 10-year median of 10.01. Over the past 10 years, this metric has ranged from a low of 2.64 to a high of 18.72. The Banks industry median 5-Year Yield-on-Cost % is 3.91. Asia United Bank's value of 10.62 is 172% above this industry median. Based on the distribution chart, Asia United Bank ranks #143 out of 1256 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 65/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Asia United Bank's 5-Year Yield-on-Cost % compare to competitors?
According to the Banks industry distribution chart, Asia United Bank ranks #143 out of 1256 companies for 5-Year Yield-on-Cost %. This places Asia United Bank in the top 11% of its industry — outperforming the majority of peers. The industry median 5-Year Yield-on-Cost % is 3.91. Asia United Bank's value of 10.62 is 172% above this benchmark. Historically, Asia United Bank's own 5-Year Yield-on-Cost % has ranged from 2.64 to 18.72 over the past decade. While the company's 10-year median is 10.01 vs. the industry median of 3.91, 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.91, based on 1,256 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Asia United Bank's current 5-Year Yield-on-Cost % of 10.62 is 172% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Asia United Bank and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.91 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Asia United Bank's current 5-Year Yield-on-Cost % is 10.62, which is near median its own 10-year median of 10.01. 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 ₱52.40 — trading 36.4% above its estimated fair value. The current 5-Year Yield-on-Cost % is 10.62, which is near median its 10-year median of 10.01 and 172% above the Banks industry median of 3.91. Asia United Bank's overall GF Score™ is 65/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Asia United Bank (PHS:AUB), the current 5-Year Yield-on-Cost % is 10.62 as of Jul. 05, 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 ₱52.40 is trading 36.4% above its estimated GF Value™ of ₱38.43.
GuruFocus considers Asia United Bank to be Significantly Overvalued.
Key valuation signals for PHS:AUB:
5-Year Yield-on-Cost %: 10.62 (near median its 10-year median of 10.01)
GF Value™: ₱38.43 vs. price of ₱52.40 (36.4% above fair value)
Industry Position: 172% above the Banks median (#143 of 1256)
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.
65GF Score
Get the complete analysis for PHS:AUB
5-Year Yield-on-Cost % 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 