Is United Overseas Bank (SGX:U11) Offering Value After Recent Share Price Weakness

Simply Wall St.03-25

If you are wondering whether United Overseas Bank at S$36.36 is offering fair value or a potential opportunity, this section helps you cut through the noise and focus on what the price really reflects...

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Investordude1301
03-29 12:22
Investordude1301
Notably all views show that UOB is undervalued so buy it before people realise what a good deal they're missing out on!

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Asian Equity Income ASDM SGD","LU0577902371.SGD":"FULLERTON LUX FUNDS - ASIA GROWTH & INCOME EQUITIE \"I\" (SGD) ACC","LU2506951958.HKD":"BNP PARIBAS SUSTAINABLE GLOBAL LOW VOL EQUITY \"CRH\" (HKDHDG) INC","LU0979878070.USD":"FULLERTON LUX FUNDS - ASIA ABSOLUTE ALPHA \"A\" (USD) ACC","SG9999002620.SGD":"LionGlobal South East Asia SGD","LU0588545730.USD":"EASTSPRING INVESTMENTS ASIAN EQUITY INCOME \"ADM\" (USD) INC","BK6523":"ESG概念"},"translate_title":"大华银行（SGX：U11）在近期股价疲软后是否提供价值","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"U11.SI":1.98},"content_text":"If you are wondering whether United Overseas Bank at S$36.36 is offering fair value or a potential opportunity, this section helps you cut through the noise and focus on what the price really reflects. The share price has seen a 1.4% decline over the last 7 days and a 5.8% decline over the last 30 days, while still sitting on returns of 3.1% year to date and 2.3% over the last year, with longer term 3 year and 5 year returns of 45.8% and 81.1% respectively. That mix of short term weakness and longer term gains suggests that recent moves may be more about shifting expectations than a simple one way story. To make sense of this, you may want to look past the latest price swings and focus on what the current valuation implies for the bank's fundamentals. On Simply Wall St's 6 point valuation checklist, United Overseas Bank scores 3 out of 6. This means half of the checks point to the stock trading below their estimate of fair value. The next step is to look at the usual valuation methods investors rely on and, later in the article, a more structured way to put all those signals in context.  Find out why United Overseas Bank's 2.3% return over the last year is lagging behind its peers. AdvertisementApproach 1: United Overseas Bank Excess Returns Analysis The Excess Returns model looks at how much value United Overseas Bank creates over and above the return that shareholders require, based on the bank's equity and profitability outlook. For United Overseas Bank, the key inputs are:  Book Value: SGD29.36 per share Stable EPS: SGD3.76 per share (source: weighted future Return on Equity estimates from 14 analysts) Cost of Equity: SGD2.34 per share Excess Return: SGD1.41 per share Average Return on Equity: 11.07% Stable Book Value: SGD33.96 per share (source: weighted future Book Value estimates from 11 analysts)  The model compares the return implied by stable EPS with the cost of equity, then capitalises those excess returns on the stable book value. On this basis, Simply Wall St arrives at an intrinsic value of about SGD66.29 per share. Against the current share price of SGD36.36, that intrinsic value implies the stock is 45.2% undervalued according to this Excess Returns approach. Result: UNDERVALUED Our Excess Returns analysis suggests United Overseas Bank is undervalued by 45.2%. Track this in your watchlist or portfolio, or discover 246 more high quality undervalued stocks. U11 Discounted Cash Flow as at Mar 2026 Head to the Valuation section of our Company Report for more details on how we arrive at this Fair Value for United Overseas Bank. Approach 2: United Overseas Bank Price vs Earnings For a profitable bank like United Overseas Bank, the P/E ratio is a useful way to relate what you are paying per share to the earnings the bank is generating today. It helps you see how many years of current earnings the market is effectively pricing in. What counts as a “normal” P/E depends on what investors expect for future growth and how much risk they see in the business. Higher expected growth or lower perceived risk can justify a higher P/E, while slower growth or higher risk usually calls for a lower one. United Overseas Bank currently trades on a P/E of 13.11x. That sits above the Banks industry average of about 10.75x and above the peer group average of 12.09x. Simply Wall St’s Fair Ratio for United Overseas Bank is 13.96x, which is its proprietary view of what the P/E “should” be after considering factors like earnings growth, profit margins, risks, industry and market cap. This Fair Ratio can be more tailored than a simple comparison to peers or the broad industry because it adjusts for those company specific features. Since the Fair Ratio of 13.96x is higher than the current P/E of 13.11x, the P/E based view suggests the shares are trading below that fair value reference. Result: UNDERVALUED SGX:U11 P/E Ratio as at Mar 2026 P/E ratios tell one story, but what if the real opportunity lies elsewhere? Start investing in legacies, not executives. Discover our 95 top founder-led companies. Upgrade Your Decision Making: Choose your United Overseas Bank Narrative Earlier it was mentioned that there is an even better way to understand valuation. On Simply Wall St's Community page you can use Narratives, where you set out your story for United Overseas Bank, link that story to your own revenue, earnings and margin forecasts, see the fair value that falls out of those assumptions, compare it to the current price to guide your buy or sell timing, and watch that fair value update automatically as new news or earnings arrive. One investor might build a more optimistic United Overseas Bank Narrative closer to the highest analyst price target of S$42.70, while another might anchor on the more cautious S$30.17 view, each with a clear, quantified path from story to numbers to fair value. Do you think there's more to the story for United Overseas Bank? Head over to our Community to see what others are saying! SGX:U11 1-Year Stock Price Chart  This article by Simply Wall St is general in nature. We provide commentary based on historical data\n    and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your\n    financial situation. We aim to bring you long-term focused analysis driven by fundamental data.\n    Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material.\n    Simply Wall St has no position in any stocks mentioned.New: AI Stock Screener & AlertsOur new AI Stock Screener scans the market every day to uncover opportunities.• Dividend Powerhouses (3%+ Yield)• Undervalued Small Caps with Insider Buying• High growth Tech and AI CompaniesOr build your own from over 50 metrics.Explore Now for FreeHave feedback on this article? Concerned about the content? Get in touch with us directly. Alternatively, email editorial-team@simplywallst.com","kind":"highlight","is_publish_news":true,"is_publish_highlight":false,"is_publish_live":false,"is_publish_wemedia":null,"editions":null,"column":"","sentiment":"0","news_tag":"","news_rank":0,"symbols":[],"gpt_button":0,"need_auth":false,"code":"91000000","status":"200"},"commentList":[{"id":547773764929024,"gmtCreate":1774758136731,"gmtModify":1774758141125,"author":{"id":"4092737024653350","authorId":"4092737024653350","name":"Investordude1301","avatar":"https://community-static.tradeup.com/news/800d9eeaf25151ecb80e9675139f8bc2","vip":1,"crmLevel":12,"crmLevelSwitch":0,"authorIdStr":"4092737024653350","idStr":"4092737024653350"},"htmlText":"Notably all views show that UOB is undervalued so buy it before people realise what a good deal they're missing out on!","listText":"Notably all views show that UOB is undervalued so buy it before people realise what a good deal they're missing out on!","text":"Notably all views show that UOB is undervalued so buy it before people realise what a good deal they're missing out on!","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":3,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/547773764929024","repostId":2622492860,"repostType":2,"repost":{"id":"2622492860","kind":"highlight","pubTimestamp":1774404617,"share":"https://ttm.financial/m/news/2622492860?lang=en_US&edition=fundamental","pubTime":"2026-03-25 10:10","market":"us","language":"en","title":"Is United Overseas Bank (SGX:U11) Offering Value After Recent Share Price Weakness","url":"https://stock-news.laohu8.com/highlight/detail?id=2622492860","media":"Simply Wall St.","summary":"If you are wondering whether United Overseas Bank at S$36.36 is offering fair value or a potential opportunity, this section helps you cut through the noise and focus on what the price really reflects.\nThe share price has seen a 1.4% decline over the last 7 days and a 5.8% decline over the last 30 days, while still sitting on returns of 3.1% year to date and 2.3% over the last year, with longer term 3 year and 5 year returns of 45.8% and 81.1% respectively.\nThat mix of short term weakness...","content":"<div>\n<p>If you are wondering whether United Overseas Bank at S$36.36 is offering fair value or a potential opportunity, this section helps you cut through the noise and focus on what the price really reflects...</p>\n\n<a href=\"https://simplywall.st/stocks/sg/banks/sgx-u11/united-overseas-bank-shares/news/is-united-overseas-bank-sgxu11-offering-value-after-recent-s\">Source Link</a>\n\n</div>\n","source":"simplywall_highlight","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Is United Overseas Bank (SGX:U11) Offering Value After Recent Share Price Weakness</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; 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.h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nIs United Overseas Bank (SGX:U11) Offering Value After Recent Share Price Weakness\n</h2>\n\n<h4 class=\"meta\">\n\n\n2026-03-25 10:10 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://simplywall.st/stocks/sg/banks/sgx-u11/united-overseas-bank-shares/news/is-united-overseas-bank-sgxu11-offering-value-after-recent-s><strong>Simply Wall St.</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>If you are wondering whether United Overseas Bank at S$36.36 is offering fair value or a potential opportunity, this section helps you cut through the noise and focus on what the price really reflects...</p>\n\n<a href=\"https://simplywall.st/stocks/sg/banks/sgx-u11/united-overseas-bank-shares/news/is-united-overseas-bank-sgxu11-offering-value-after-recent-s\">Source Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"https://images.simplywall.st/asset/industry/7012000-choice1-main-header/1585186660482","relate_stocks":{"LU0532188223.SGD":"JPMorgan Funds - ASEAN Equity A (acc) SGD","LU0048597586.USD":"富达亚洲焦点A","LU2506952170.USD":"BNP PARIBAS SUSTAINABLE GLOBAL LOW VOL EQUITY \"CRH\" (USDHDG) INC","LU0588545490.SGD":"Eastspring Investments - Asian Equity Income AS SGD","LU0823417653.USD":"BNP PARIBAS SUSTAINABLE GLOBAL LOW VOL EQUITY \"C\" (USD) ACC","SG9999014492.USD":"NIKKO AM ASEAN EQUITY 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& INCOME EQUITIE \"I\" (SGD) ACC","LU2506951958.HKD":"BNP PARIBAS SUSTAINABLE GLOBAL LOW VOL EQUITY \"CRH\" (HKDHDG) INC","LU0979878070.USD":"FULLERTON LUX FUNDS - ASIA ABSOLUTE ALPHA \"A\" (USD) ACC","SG9999002620.SGD":"LionGlobal South East Asia SGD","LU0588545730.USD":"EASTSPRING INVESTMENTS ASIAN EQUITY INCOME \"ADM\" (USD) INC","BK6523":"ESG概念"},"source_url":"https://simplywall.st/stocks/sg/banks/sgx-u11/united-overseas-bank-shares/news/is-united-overseas-bank-sgxu11-offering-value-after-recent-s","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2622492860","content_text":"If you are wondering whether United Overseas Bank at S$36.36 is offering fair value or a potential opportunity, this section helps you cut through the noise and focus on what the price really reflects. The share price has seen a 1.4% decline over the last 7 days and a 5.8% decline over the last 30 days, while still sitting on returns of 3.1% year to date and 2.3% over the last year, with longer term 3 year and 5 year returns of 45.8% and 81.1% respectively. That mix of short term weakness and longer term gains suggests that recent moves may be more about shifting expectations than a simple one way story. To make sense of this, you may want to look past the latest price swings and focus on what the current valuation implies for the bank's fundamentals. On Simply Wall St's 6 point valuation checklist, United Overseas Bank scores 3 out of 6. This means half of the checks point to the stock trading below their estimate of fair value. The next step is to look at the usual valuation methods investors rely on and, later in the article, a more structured way to put all those signals in context.  Find out why United Overseas Bank's 2.3% return over the last year is lagging behind its peers. AdvertisementApproach 1: United Overseas Bank Excess Returns Analysis The Excess Returns model looks at how much value United Overseas Bank creates over and above the return that shareholders require, based on the bank's equity and profitability outlook. For United Overseas Bank, the key inputs are:  Book Value: SGD29.36 per share Stable EPS: SGD3.76 per share (source: weighted future Return on Equity estimates from 14 analysts) Cost of Equity: SGD2.34 per share Excess Return: SGD1.41 per share Average Return on Equity: 11.07% Stable Book Value: SGD33.96 per share (source: weighted future Book Value estimates from 11 analysts)  The model compares the return implied by stable EPS with the cost of equity, then capitalises those excess returns on the stable book value. On this basis, Simply Wall St arrives at an intrinsic value of about SGD66.29 per share. Against the current share price of SGD36.36, that intrinsic value implies the stock is 45.2% undervalued according to this Excess Returns approach. Result: UNDERVALUED Our Excess Returns analysis suggests United Overseas Bank is undervalued by 45.2%. Track this in your watchlist or portfolio, or discover 246 more high quality undervalued stocks. U11 Discounted Cash Flow as at Mar 2026 Head to the Valuation section of our Company Report for more details on how we arrive at this Fair Value for United Overseas Bank. Approach 2: United Overseas Bank Price vs Earnings For a profitable bank like United Overseas Bank, the P/E ratio is a useful way to relate what you are paying per share to the earnings the bank is generating today. It helps you see how many years of current earnings the market is effectively pricing in. What counts as a “normal” P/E depends on what investors expect for future growth and how much risk they see in the business. Higher expected growth or lower perceived risk can justify a higher P/E, while slower growth or higher risk usually calls for a lower one. United Overseas Bank currently trades on a P/E of 13.11x. That sits above the Banks industry average of about 10.75x and above the peer group average of 12.09x. Simply Wall St’s Fair Ratio for United Overseas Bank is 13.96x, which is its proprietary view of what the P/E “should” be after considering factors like earnings growth, profit margins, risks, industry and market cap. This Fair Ratio can be more tailored than a simple comparison to peers or the broad industry because it adjusts for those company specific features. Since the Fair Ratio of 13.96x is higher than the current P/E of 13.11x, the P/E based view suggests the shares are trading below that fair value reference. Result: UNDERVALUED SGX:U11 P/E Ratio as at Mar 2026 P/E ratios tell one story, but what if the real opportunity lies elsewhere? Start investing in legacies, not executives. Discover our 95 top founder-led companies. Upgrade Your Decision Making: Choose your United Overseas Bank Narrative Earlier it was mentioned that there is an even better way to understand valuation. On Simply Wall St's Community page you can use Narratives, where you set out your story for United Overseas Bank, link that story to your own revenue, earnings and margin forecasts, see the fair value that falls out of those assumptions, compare it to the current price to guide your buy or sell timing, and watch that fair value update automatically as new news or earnings arrive. One investor might build a more optimistic United Overseas Bank Narrative closer to the highest analyst price target of S$42.70, while another might anchor on the more cautious S$30.17 view, each with a clear, quantified path from story to numbers to fair value. Do you think there's more to the story for United Overseas Bank? Head over to our Community to see what others are saying! SGX:U11 1-Year Stock Price Chart  This article by Simply Wall St is general in nature. We provide commentary based on historical data\n    and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your\n    financial situation. We aim to bring you long-term focused analysis driven by fundamental data.\n    Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material.\n    Simply Wall St has no position in any stocks mentioned.New: AI Stock Screener & AlertsOur new AI Stock Screener scans the market every day to uncover opportunities.• Dividend Powerhouses (3%+ Yield)• Undervalued Small Caps with Insider Buying• High growth Tech and AI CompaniesOr build your own from over 50 metrics.Explore Now for FreeHave feedback on this article? Concerned about the content? Get in touch with us directly. 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