A Look At United Overseas Bank (SGX:U11) Valuation After Softer Q1 Earnings Results

Simply Wall St.05-20 17:26

AdvertisementHow Q1 earnings are shaping the discussion around United Overseas Bank United Overseas Bank (SGX:U11) recently reported first quarter results, with net interest income of S$2,324 million ...

Source Link

Disclaimer: Investing carries risk. This is not financial advice. The above content should not be regarded as an offer, recommendation, or solicitation on acquiring or disposing of any financial products, any associated discussions, comments, or posts by author or other users should not be considered as such either. It is solely for general information purpose only, which does not consider your own investment objectives, financial situations or needs. TTM assumes no responsibility or warranty for the accuracy and completeness of the information, investors should do their own research and may seek professional advice before investing.

Comments

We need your insight to fill this gap

Leave a comment

{"i18n":{"language":"en_US"},"isChannel":false,"data":{"share":"https://ttm.financial/m/news/2636846950?lang=en_US&edition=fundamental","thumbnail":"https://images.simplywall.st/asset/industry/7012000-choice1-main-header/1585186660482","is_english":true,"pubTime":"2026-05-20 17:26","share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","id":"2636846950","market":"us","top_or_hot":-1,"title":"A Look At United Overseas Bank (SGX:U11) Valuation After Softer Q1 Earnings Results","media":"Simply Wall St.","content":"<div>\n<p>AdvertisementHow Q1 earnings are shaping the discussion around United Overseas Bank United Overseas Bank (SGX:U11) recently reported first quarter results, with net interest income of S$2,324 million ...</p>\n\n<a href=\"https://simplywall.st/stocks/sg/banks/sgx-u11/united-overseas-bank-shares/news/a-look-at-united-overseas-bank-sgxu11-valuation-after-softer\">Source Link</a>\n\n</div>\n","source":"simplywall_highlight","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>A Look At United Overseas Bank (SGX:U11) Valuation After Softer Q1 Earnings Results</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; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .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\">\nA Look At United Overseas Bank (SGX:U11) Valuation After Softer Q1 Earnings Results\n</h2>\n\n<h4 class=\"meta\">\n\n\n2026-05-20 17:26 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://simplywall.st/stocks/sg/banks/sgx-u11/united-overseas-bank-shares/news/a-look-at-united-overseas-bank-sgxu11-valuation-after-softer><strong>Simply Wall St.</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>AdvertisementHow Q1 earnings are shaping the discussion around United Overseas Bank United Overseas Bank (SGX:U11) recently reported first quarter results, with net interest income of S$2,324 million ...</p>\n\n<a href=\"https://simplywall.st/stocks/sg/banks/sgx-u11/united-overseas-bank-shares/news/a-look-at-united-overseas-bank-sgxu11-valuation-after-softer\">Source Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","isBrief":false,"type":0,"news_type":1,"symbol":"LU0251143029.SGD","symbol_name":"Fidelity ASEAN A-SGD","start_time":0,"source_url":"https://simplywall.st/stocks/sg/banks/sgx-u11/united-overseas-bank-shares/news/a-look-at-united-overseas-bank-sgxu11-valuation-after-softer","article_id":"2636846950","we_media_id":null,"thumbnails":["https://images.simplywall.st/asset/industry/7012000-choice1-main-header/1585186660482"],"rights":{"source":"simplywall_highlight","url":"https://simplywall.st/stocks/sg/banks/sgx-u11/united-overseas-bank-shares/news/a-look-at-united-overseas-bank-sgxu11-valuation-after-softer","rn_cache_url":null,"directOrigin":true},"url":"https://stock-news.laohu8.com/highlight/detail?id=2636846950","pubTimestamp":1779269192,"columns":[],"sourceInfo":{"source_id":"simplywall_highlight","name":"Simply Wall St."},"weMediaInfo":null,"summary":"How Q1 earnings are shaping the discussion around United Overseas Bank\nUnited Overseas Bank (SGX:U11) recently reported first quarter results, with net interest income of S$2,324 million and net income of S$1,437 million, both lower than the prior year. This gives investors fresh data to assess the stock.\nSee our latest analysis for United Overseas Bank.\nThe recent Q1 results, combined with United Overseas Bank's upcoming appearance at Citi's 2026 Macro & Pan-Asia Investor Conference, come as...","collect":0,"end_time":0,"defaultTopTitle":"simplywall.st","property":["earning"],"viewcount":null,"language":"en","relate_stocks":{"LU0251143029.SGD":"Fidelity ASEAN A-SGD","LU2264538146.SGD":"Fullerton Lux Funds - Global Absolute Alpha A Acc SGD","LU0441851309.USD":"JPM ASEAN EQUITY \"A\" ACC","LU0865486749.SGD":"Eastspring Investments - Asian Equity Income AS SGD-H","BK6516":"银行与投资服务概念","SG9999014484.SGD":"Nikko AM ASEAN Equity Fund A SGD","LU1242518857.USD":"FULLERTON LUX FUNDS - ASIA ABSOLUTE ALPHA \"I\" (USD) ACC","SG9999002604.SGD":"LionGlobal Singapore/Malaysia SGD","LU0516422440.USD":"FULLERTON LUX FUNDS - ASIA FOCUS EQUITIES \"A\" (USD) ACC","LU0572940350.SGD":"Janus Henderson Horizon Asian Dividend Income A3 SGD","LU2663582299.SGD":"BSF BLACKROCK SYSTEMATIC ASIA PACIFIC EQUITY ABSOL \"A2\" (SGDHDG) ACC","SGXZ27511609.SGD":"NIKKO AM SINGAPORE DIVIDEND EQUITY \"SGD\" (SGD) ACC","SG9999013460.SGD":"LionGlobal Singapore Dividend Equity Fund SGD","LU2449936058.SGD":"SUSTAINABLE ASIA EQUITY \"AA\" (SGD) ACC","LU1508157978.USD":"BSF BLACKROCK SYSTEMATIC ASIA PACIFIC EQUITY ABSOLUTE RETURN \"A\" (USD) ACC","LU0414403682.SGD":"Blackrock Asia Pacific Equity Income A5 SGD-H","SG9999000343.SGD":"Schroder Singapore Trust A Dis SGD","LU0264606111.USD":"Janus Henderson Horizon Asian Dividend Income A2 USD","SG9999013478.USD":"利安新加坡股息基金","LU0210637038.USD":"HSBC GIF THAI EQUITY \"AD\" INC","LU0823417737.USD":"BNP PARIBAS SUSTAINABLE GLOBAL LOW VOL EQUITY \"C\" (USD) INC","LU0738912210.USD":"Blackrock Asia Pacific Equity Income A6 USD","LU0261945553.USD":"FIDELITY ASEAN \"A\" ACC","LU0516422366.SGD":"Fullerton Lux Funds - Asia Focus Equities A Acc SGD","LU0950375773.USD":"BNP PARIBAS SUSTAINABLE GLOBAL LOW VOL EQUITY \"C\" (USD) INC A","LU0516423091.SGD":"FULLERTON LUX FUNDS - ASIA FOCUS EQUITIES \"I\" (SGD) ACC","LU0572939691.SGD":"Janus Henderson Horizon Asian Dividend Income A2 SGD","LU0918141887.USD":"安联亚洲实际收益股票基金","LU0348814723.USD":"ALLIANZ TOTAL RETURN ASIAN EQUITY \"A\" (USD) INC  NC","BK6112":"综合性银行","SG9999002679.SGD":"LionGlobal Singapore Balanced SGD","SG9999013486.USD":"LIONGLOBAL SINGAPORE DIVIDEND EQUITY (USD) INC A","SG9999000475.SGD":"Aberdeen Standard Singapore Equity SGD","LU2238330802.EUR":"AZ EQUITY - ASEAN COUNTRIES \"AAZ\" (EUR) ACC","LU2506951875.HKD":"BNP PARIBAS SUSTAINABLE GLOBAL LOW VOL EQUITY \"CRH\" (HKDHDG) ACC","LU2506952097.USD":"BNP PARIBAS SUSTAINABLE GLOBAL LOW VOL EQUITY \"CRH\" (USDHDG) ACC","LU0577902611.USD":"FULLERTON LUX FUNDS - ASIA GROWTH & INCOME EQUITIE \"A\" (USD) ACC","LU1242518931.SGD":"Fullerton Lux Funds - Asia Absolute Alpha A Acc SGD","LU0588545904.SGD":"Eastspring Investments - Asian Equity Income ASDM SGD","LU2506951958.HKD":"BNP PARIBAS SUSTAINABLE GLOBAL LOW VOL EQUITY \"CRH\" (HKDHDG) INC","LU0577902371.SGD":"FULLERTON LUX FUNDS - ASIA GROWTH & INCOME EQUITIE \"I\" (SGD) ACC","LU0588545730.USD":"EASTSPRING INVESTMENTS ASIAN EQUITY INCOME \"ADM\" (USD) INC","SG9999002620.SGD":"LionGlobal South East Asia SGD","LU0979878070.USD":"FULLERTON LUX FUNDS - ASIA ABSOLUTE ALPHA \"A\" (USD) ACC","LU0048597586.USD":"富达亚洲焦点A","LU0532188223.SGD":"JPMorgan Funds - ASEAN Equity A (acc) SGD","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 \"A\" (USD) ACC","SG9999001127.SGD":"United Singapore Growth Fund SGD","SG9999002414.USD":"LIONGLOBAL SINGAPORE TRUST (USD) ACC","LU2152927971.USD":"NORDEA 1 ASIAN STARS EQUITY \"BP\" (USD) ACC","BK6523":"ESG概念","LU0516423174.USD":"FULLERTON LUX FUNDS - ASIA FOCUS EQUITIES \"I\" (USD) ACC","LU0315178854.USD":"EASTSPRING INVESTMENTS ASIAN EQUITY INCOME \"A\" ACC","LU0577902298.EUR":"FULLERTON LUX FUNDS - ASIA GROWTH & INCOME EQUITIE \"I\" (EUR) ACC","LU0516422952.EUR":"FULLERTON LUX FUNDS - ASIA FOCUS EQUITIES \"I\" (EUR) ACC","LU1064131342.USD":"Fullerton Lux Funds - Global Absolute Alpha A Acc USD","SG9999003826.SGD":"日兴资管新加坡股息基金 SGD","LU1988902786.USD":"FULLERTON LUX FUNDS GLOBAL ABSOLUTE ALPHA \"I\" (USD) ACC","LU0873338254.USD":"FULLERTON LUX FUNDS - ASIA GROWTH & INCOME EQUITIE \"I\" (USD) INC","LU0577902538.SGD":"Fullerton Lux Funds - Asia Growth and Income Equities A Acc SGD","SG9999002406.SGD":"利安新加坡信托基金","SG9999004220.SGD":"Nikko AM Shenton Asia Dividend Equity Fund  SGD","LU0878005551.USD":"UBS (LUX) KEY SELEC ASIA ALLOCATION OPPORTUNITY (USD) \"P\" (USD) ACC","LU0737861269.HKD":"FIDELITY ASEAN \"A \" (HKD) ACC","SG9999016042.SGD":"Schroder Singapore Trust A Acc SGD","SG9999001135.SGD":"United ASEAN Fund SGD","LU0048573645.USD":"富达东盟基金","SGXZ58947870.SGD":"LIONGLOBAL SINGAPORE DIVIDEND EQUITY (SGDHDG) INC","U11.SI":"大华银行","BK4211":"区域性银行","LU0348816934.USD":"ALLIANZ TOTAL RETURN ASIAN EQUITY \"AT\" (USD)","LU0831103253.SGD":"JPMorgan Funds - Asia Pacific Income A (mth) SGD","SG9999004360.SGD":"Nikko AM Shenton Thrift Fund SGD","LU1839390173.USD":"JPM ASEAN EQUITY \"A\" (USD) INC","SG9999014302.SGD":"RHB Singapore Income Fund SGD","LU0251144936.SGD":"Fidelity Sustainable Asia Equity A-SGD","SG9999008742.SGD":"Eastspring Investments Unit Trusts - Singapore ASEAN Equity SGD","LU0955669360.SGD":"Schroder ISF Asian Dividend Maximiser A Dis SGD","SG9999006266.SGD":"MANULIFE SINGAPORE EQUITY \"A\" (SGD) ACC","LU0577902454.USD":"FULLERTON LUX FUNDS - ASIA GROWTH & INCOME EQUITIE \"I\" (USD) ACC","SG9999005177.SGD":"Legg Mason Martin Currie - Southeast Asia Trust A Acc SGD","LU0898667661.SGD":"JPMorgan Funds - Asia Pacific Income A (mth) SGD-H","LU1130305938.SGD":"Schroder ISF Asian Dividend Maximiser A Dis SGD-H","LU1105468828.SGD":"Allianz Total Return Asian Equity AM DIS H2-SGD"},"translate_title":"第一季度盈利结果疲软后大华银行(SGX：U11)估值一览","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"U11.SI":1.98},"content_text":"AdvertisementHow Q1 earnings are shaping the discussion around United Overseas Bank United Overseas Bank (SGX:U11) recently reported first quarter results, with net interest income of S$2,324 million and net income of S$1,437 million, both lower than the prior year. This gives investors fresh data to assess the stock. See our latest analysis for United Overseas Bank. The recent Q1 results, combined with United Overseas Bank's upcoming appearance at Citi's 2026 Macro & Pan-Asia Investor Conference, come as the stock trades at S$37.75, with a year to date share price return of 7.09% and a 5 year total shareholder return of 89.12%, suggesting momentum has built steadily over time even if shorter term moves have been more muted. If the recent earnings update has you reviewing your banking exposure, this can also be a good moment to widen your search and check out 98 top founder-led companies So, with earnings slightly softer but long-term returns still strong, is United Overseas Bank quietly trading at a discount that offers value, or has the market already priced in everything investors expect from future growth? Most Popular Narrative: 1% Overvalued United Overseas Bank's most followed valuation narrative sets fair value at S$37.28, slightly below the last close at S$37.75, which keeps expectations tightly anchored.  Growing commitment to sustainable finance and green lending initiatives, leveraging rising demand for ESG-aligned loan products, positions UOB for loan growth in higher quality segments and strengthens the quality of its loan book, contributing positively to both revenue and long-run risk-adjusted net margins.  Read the complete narrative. Curious what sits behind that small gap between price and fair value? The narrative leans on steady revenue expansion, firm margins and a future earnings multiple that needs to do some heavy lifting. Result: Fair Value of SGD37.28 (OVERVALUED) Have a read of the narrative in full and understand what's behind the forecasts. However, asset quality worries and pressure on net interest margins still hang over the story, and any hit to earnings could quickly challenge that fair value view. Find out about the key risks to this United Overseas Bank narrative. Another View: Cash Flows Point to a Different Story While the most popular narrative suggests United Overseas Bank is around 1% overvalued at S$37.75 versus a fair value of S$37.28, our DCF model presents a different picture. In this view, the stock trades at S$37.75 compared with an estimated future cash flow value of S$66.98, which implies a large discount instead of a small premium. For you, that contrast raises a simple question: which lens deserves more weight when you look at UOB today? For a closer look at how this cash flow view is built, and how sensitive it is to different assumptions, Look into how the SWS DCF model arrives at its fair value. U11 Discounted Cash Flow as at May 2026Simply Wall St performs a discounted cash flow (DCF) on every stock in the world every day (check out United Overseas Bank for example). We show the entire calculation in full. You can track the result in your watchlist or portfolio and be alerted when this changes, or use our stock screener to discover 232 high quality undervalued stocks. If you save a screener we even alert you when new companies match - so you never miss a potential opportunity. Next Steps With Q1 earnings, valuation narratives and DCF all pointing in slightly different directions, the sentiment around UOB is mixed but informed. Act quickly, review the data for yourself and pressure test both the concerns and the upside by weighing up 2 key rewards and 2 important warning signs Looking for more investment ideas? If UOB has sharpened your focus, do not stop here; broaden your watchlist now so you are not late to the next opportunity.  Target potential mispricing by using the 232 high quality undervalued stocks that filters for companies combining quality fundamentals with prices that may not fully reflect them. Strengthen your income stream by scanning 479 dividend fortresses and zeroing in on companies offering higher yields with the potential for steadier payouts. Prioritise resilience by reviewing 305 resilient stocks with low risk scores so you can focus on companies with calmer risk profiles when markets turn choppy.   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,"isVideo":false,"video":null,"symbols":[],"gpt_button":0,"need_auth":false,"need_login_tip":false,"code":"91000000","status":"200"},"commentList":[],"isCommentEnd":true,"newsSizeData":{"likeSize":0,"commentSize":0,"repostSize":0,"favoriteSize":0,"likeStatus":false,"favoriteStatus":false},"APP":{"userAgent":"Mozilla/5.0 AppleWebKit/537.36 (KHTML, like Gecko; compatible; ClaudeBot/1.0; +claudebot@anthropic.com)","isDev":false,"isTTM":true,"tenantId":"TBGLOBAL","deviceId":"web-server-community-laohu8-v3","version":"4.42.2","shortVersion":"4.42.2","platform":"web","vendor":"web","appName":"ttm","isIOS":false,"isAndroid":false,"isTiger":false,"isTHS":false,"isWeiXin":false,"isWeiXinMini":false,"isWeiBo":false,"isQQ":false,"isBaiduSwan":false,"isBaiduBox":false,"isDingTalk":false,"isToutiao":false,"isOnePlus":false,"isHuaWei":false,"isXiaomi":false,"isXiaomiWebView":false,"isOppo":false,"isVivo":false,"isSamsung":false,"isMobile":false},"href":"/m/news/2636846950","isCrawlerRequest":true}