UOB (SG:U11)
SGX:U11
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U11 Stock Chart & Stats
S$37.40
S$0.75(2.02%)
At close: 4:00 PM EST
S$37.40
S$0.75(2.02%)
Day’s Range― - ―
52-Week RangeS$33.25 - S$39.50
Previous CloseN/A
Volume3.15M
Average Volume (3M)3.33M
Market Cap
S$62.38B
Enterprise ValueS$38.32B
Total Cash (Recent Filing)S$74.25B
Total Debt (Recent Filing)S$44.99B
Price to Earnings (P/E)6.9
Beta1.16
Next Earnings
Aug 07, 2026EPS Estimate
0.86Next Dividend Ex-DateN/A
Dividend Yield6.49%
Share Statistics
EPS (TTM)3.88
Shares Outstanding1,664,679,600
10 Day Avg. Volume2,818,957
30 Day Avg. Volume3,331,667
Financial Highlights & Ratios
PEG Ratio-0.57
Price to Book (P/B)1.16
Price to Sales (P/S)2.28
P/FCF Ratio13.55
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
S$38.10Price Target Upside1.87% Upside
Rating ConsensusHold
Number of Analyst Covering4
EPS Forecast (FY)3.38
Revenue Forecast (FY)S$14.18B
Bulls Say, Bears Say
Bulls Say
Capital & Liquidity StrengthA CET1 ratio of 15.1% alongside LCR 147% and NSFR 116% provides a durable regulatory and liquidity cushion. This capacity supports continued capital returns, cushions loan-loss volatility, and preserves strategic optionality for lending, investment or buybacks over the medium term.
Fee & Wealth Revenue DiversificationSustained fee growth, AUM at $201bn and rapid digital wealth sales reduce reliance on interest income. Fee-led revenue is less cyclical and more sticky, helping stabilize earnings if net interest margins compress and supporting long-term margin diversification and customer lifetime value.
High-Quality Deposit Mix (CASA)A high CASA share (~58%) and healthy deposit growth lower funding costs and improve margin resilience versus wholesale funding. A sticky low-cost deposit base supports sustained lending capacity, transaction banking cross-sell, and steadier NIM dynamics across rate cycles.
Bears Say
Net Interest Margin PressureGuided NIM compression and a year-over-year NII decline indicate structural pressure on the bank's primary profit engine. Sustained lower margins reduce core earnings power, constrain return-on-equity expansion and limit room to absorb higher credit costs or fund growth without reducing payouts.
Volatile Cash GenerationMaterial swings in operating and free cash flow weaken predictability of internal funding. Inconsistent cash conversion complicates planning for dividends, buybacks and technology or branch investment, increasing reliance on external funding or capital buffers during downturns.
Elevated Credit Costs & HotspotsA sizeable one-off provisioning and higher credit-cost guidance, together with concentrated stress in Greater China and U.S. commercial real estate, point to ongoing asset-quality risk. Continued strain could raise impairment volatility and constrain net lending and profitability.
UOB News
U11 FAQ
What was UOB’s price range in the past 12 months?
UOB lowest share price was S$33.25 and its highest was S$39.50 in the past 12 months.
What is UOB’s market cap?
UOB’s market cap is S$62.38B.
When is UOB’s upcoming earnings report date?
UOB’s upcoming earnings report date is Aug 07, 2026 which is in 59 days.
How were UOB’s earnings last quarter?
UOB released its earnings results on Feb 23, 2026. The company reported S$0.83 earnings per share for the quarter, beating the consensus estimate of S$0.794 by S$0.036.
Is UOB overvalued?
According to Wall Street analysts UOB’s price is currently Undervalued.
Does UOB pay dividends?
UOB pays a Quarterly dividend of S$0.71 which represents an annual dividend yield of 6.49%. See more information on UOB dividends here
What is UOB’s EPS estimate?
UOB’s EPS estimate is 0.86.
How many shares outstanding does UOB have?
UOB has 1,664,679,600 shares outstanding.
What happened to UOB’s price movement after its last earnings report?
UOB reported an EPS of S$0.83 in its last earnings report, beating expectations of S$0.794. Following the earnings report the stock price went down -4.123%.
Which hedge fund is a major shareholder of UOB?
Currently, no hedge funds are holding shares in SG:U11
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
UOB Stock Smart Score
Neutral
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Analyst Consensus
Hold
Average Price Target:
S$38.10 (1.87% Upside)
S$38.10 (1.87% Upside)
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Negative
20 days / 200 days
Momentum
-0.71%
12-Months-Change
Fundamentals
Return on Equity
9.22%
Trailing 12-Months
Asset Growth
12.87%
Trailing 12-Months
Company Description
UOB
United Overseas Bank Limited, along with its subsidiaries, functions as a diversified financial institution delivering a comprehensive suite of banking solutions. Its operations are structured across three primary segments: Group Retail, Group Wholesale Banking, and Global Markets. The bank offers a wide array of lending options, including overdraft facilities, cash credits, and both short-term and long-term loans. Furthermore, it provides specialized financial services such as buyer's credit, structured trade financing, Singapore Dollar (SGD) bond services, loan syndication, and mergers and acquisitions (M&A) advisory. UOB also handles foreign exchange (forex) transactions, documentary collections, various credit facilities, bank guarantees, and export/import finance. Its trade services extend to advising and negotiating/discounting letters of credit, managing inward and outward bill collections, and facilitating documents against acceptance and payment. For general banking needs, the company offers inward and outward remittances, FX spot and forward transactions, current accounts, and time deposit services. Catering to diverse clients, UOB provides expertise in private, commercial, corporate, and investment banking. Beyond core banking, its offerings include corporate finance, treasury management, futures brokerage, asset management, venture capital management, insurance, and stockbroking services. The bank is also active in capital markets, credit card services, private residential home loans, and extends financing to small and medium-sized enterprises. Established in 1935 and headquartered in Singapore, United Overseas Bank Limited maintains a substantial international presence, operating approximately 500 branches and offices across Singapore, Malaysia, Indonesia, Thailand, China, and other global locations.
U11 Company Deck
U11 Earnings Call
Q4 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call presented multiple strong operational and strategic positives — record fee income, robust wealth inflows and digital wealth growth, trade and CASA expansion, strong capital and liquidity, disciplined costs and active capital returns. Offsetting these were pressure on net interest income and margins, a one-off provision top-up for credit hotspots (Greater China and U.S.), lower trading/investment income versus an exceptional prior year, and muted loan growth guidance. Management emphasized proactive provisioning, strong coverage and a cautious but constructive outlook for ASEAN. On balance the positives (diversified fee-led growth, liquidity/capital strength, trade and wealth momentum, and proactive risk actions) materially outweigh the negatives, which are being actively managed.View all SG:U11 earnings summariesU11 Stock 12 Month Forecast
Average Price Target
S$38.10
▲(1.87% Upside)
Technical Analysis
DBS Group Holdings
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OCBC
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Bank of China Ltd UnSp Singapore Depositary Receipt Repr 1 Sh
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HSBC Holdings PLC UnSp Singapore Depositary Receipt Repr 1/5 Sh
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PT Bank Central Asia Tbk Shs UnSp Singapore Depositary Receipt Repr 2/1 Sh
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Options Prices
Currently, No data available
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