Union Bank of the Philippines (PSE:UBP) - Stock Price, News & Analysis

UBP Stock Overview

Provides commercial banking products and services in the Philippines.

UBP fundamental analysis
Snowflake Score
Valuation	1/6
Future Growth	4/6
Past Performance	1/6
Financial Health	4/6
Dividends	3/6

Rewards

Earnings are forecast to grow 32.41% per year

Risk Analysis

Unstable dividend track record

Shareholders have been diluted in the past year

Profit margins (14.4%) are lower than last year (22%)

Union Bank of the Philippines Competitors

China Banking

PSE:CBC

₱156.1b

Philippine Trust

PSE:PTC

₱85.4b

Security Bank

PSE:SECB

₱70.0b

Rizal Commercial Banking

PSE:RCB

₱65.1b

Price History & Performance

Summary of all time highs, changes and price drops for Union Bank of the Philippines
Historical stock prices
Current Share Price	₱38.05
52 Week High	₱56.00
52 Week Low	₱32.45
Beta	0.60
11 Month Change	-2.56%
3 Month Change	6.43%
1 Year Change	-18.78%
33 Year Change	-33.62%
5 Year Change	-0.81%
Change since IPO	258.80%

Recent updates

Shareholder Returns

	UBP	PH Banks	PH Market
7D	-6.6%	-0.8%	-1.3%
1Y	-18.8%	31.1%	23.2%

Return vs Industry: UBP underperformed the PH Banks industry which returned 31.1% over the past year.

Return vs Market: UBP underperformed the PH Market which returned 23.2% over the past year.

Price Volatility

Is UBP's price volatile compared to industry and market?
UBP volatility
UBP Average Weekly Movement	4.8%
Banks Industry Average Movement	5.0%
Market Average Movement	5.1%
10% most volatile stocks in PH Market	10.1%
10% least volatile stocks in PH Market	2.8%

Stable Share Price: UBP has not had significant price volatility in the past 3 months compared to the PH market.

Volatility Over Time: UBP's weekly volatility (5%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
1968	5,482	Edwin Bautista	www.unionbankph.com

Union Bank of the Philippines, together with its subsidiaries, provides commercial banking products and services in the Philippines. It operates through Consumer Banking, Institutional Banking, Mass Market/Digital Banking, Treasury Banking, and Trust and Insurance segments. The company offers savings, currency, and checking accounts; time deposits; personal, auto, mortgage, and quick loans; debit, credit, and corporate credit cards; bancassurance products; commercial banking ; cash management, retail banking, capital markets, corporate and consumer finance, investment management and trust banking services; SME banking solutions; wealth; and treasury products.

Union Bank of the Philippines Fundamentals Summary

How do Union Bank of the Philippines's earnings and revenue compare to its market cap?
UBP fundamental statistics
Market cap	₱125.19b
Earnings (TTM)	₱8.03b
Revenue (TTM)	₱55.60b

15.7x

P/E Ratio

0.7x

P/B Ratio

Is UBP overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
UBP income statement (TTM)
Revenue	₱55.60b
Cost of Revenue	₱224.38m
Gross Profit	₱55.38b
Other Expenses	₱47.34b
Earnings	₱8.03b

Last Reported Earnings

Jun 30, 2024

Next Earnings Date

Nov 04, 2024

Earnings per share (EPS)	2.42
Gross Margin	99.60%
Net Profit Margin	14.45%
Debt/Equity Ratio	124.4%

How did UBP perform over the long term?

See historical performance and comparison

Dividends

2.1%

Current Dividend Yield

30%

Payout Ratio

UBP Stock Overview

Rewards

Risk Analysis

Union Bank of the Philippines Competitors

PSE:CBC

₱156.1b

PSE:PTC

₱85.4b

PSE:SECB

₱70.0b

PSE:RCB

₱65.1b

Price History & Performance

Recent News & Updates

Union Bank of the Philippines Announces Resignation of Edith C. Roberto as CoBrand and Corporate Cards Head, Effective November 6, 2024

Union Bank of the Philippines Announces Executive Resignations

Chairman of the Board recently bought ₱1.5m worth of stock

Union Bank of the Philippines Announces Executive Resignations

New minor risk - Insider selling

Insider recently bought ₱590k worth of stock

Recent updates

Union Bank of the Philippines Announces Resignation of Edith C. Roberto as CoBrand and Corporate Cards Head, Effective November 6, 2024

Union Bank of the Philippines Announces Executive Resignations

Chairman of the Board recently bought ₱1.5m worth of stock

Union Bank of the Philippines Announces Executive Resignations

New minor risk - Insider selling

Insider recently bought ₱590k worth of stock

Union Bank of the Philippines Announces Executive Resignations

Union Bank of the Philippines Announces Resignation of Amabelle Gay P. Jimenez as Credit Controls Head, Effective August 27, 2024

Second quarter 2024 earnings: EPS and revenues miss analyst expectations

Insider recently bought ₱359k worth of stock

Union Bank of the Philippines Announces Separation of Ma Adelita N. Peña, Senior Vice President, Effective August 1, 2024

Union Bank of the Philippines Announces Resignations of Senior Officers

Now 23% overvalued

Union Bank of the Philippines Announces Resignation of Henry Rhoel R. Aguda as Senior Executive Vice President, Effective October 1, 2024

Union Bank of the Philippines Approves Promotion of Officers

Union Bank of the Philippines Announces CEO Changes, Effective January 1, 2025

Consensus EPS estimates increase by 29%

Union Bank of the Philippines Announces Appointment of Simran Khanna as Head of Consumer Risk with the Rank of Senior Vice President

Insider recently sold ₱13m worth of stock

Investor sentiment improves as stock rises 21%

Union Bank of the Philippines Announces the Resignation of Kaila T. Hizon as Transaction Banking Services Head, Effective June 1, 2024

New minor risk - Shareholder dilution

Consensus EPS estimates fall by 30%

Union Bank of the Philippines Announces Resignation of Atty. Mayla S. Domingo as Corporate Affairs Head, Effective June 1, 2024

Insider recently sold ₱6.8m worth of stock

First quarter 2024 earnings: EPS and revenues miss analyst expectations

Union Bank of the Philippines Announces the Resignation of Mark Dennis C. Tuazon as Wealth Branch and ATM Operations Head and Vice President, Effective May 1, 2024

Union Bank of the Philippines Announces Management Resignations

Union Bank of the Philippines Announces Resignation of Hazeline A. Sigua as ATM Vendor Management Head, Effective April 10, 2024

Chairman of the Board recently bought ₱3.7m worth of stock

Full year 2023 earnings released: EPS: ₱3.06 (vs ₱5.16 in FY 2022)

Union Bank of the Philippines Appoints Mukul Sukhani as Head of Cards and Loans with the Rank of Executive Vice President

Union Bank of the Philippines Announces David R. Hardoon Resigns as Chief Data and Ai Officer

Union Bank of the Philippines, Annual General Meeting, Apr 26, 2024

Chairman of the Board recently bought ₱7.0m worth of stock

Upcoming dividend of ₱0.80 per share at 1.8% yield

Dividend of ₱0.80 announced

Union Bank of the Philippines Appoints Additional Members of the Related Party Transaction Committee

Union Bank of the Philippines Announces Resignation of Ms. Sigrid Joyce D. Cruz as Digital Loans Head and Assistant Vice President

Union Bank of the Philippines Announces Resignation of Senior Officers

Union Bank of the Philippines Announces Hiring of Senior Officers

Consensus EPS estimates increase by 19%

Union Bank of the Philippines Announces Executive Resignations

Investor sentiment improves as stock rises 31%

Price target decreased by 7.1% to ₱70.81

Union Bank of the Philippines and S&R Launch Co-Branded Credit Card

Consensus EPS estimates fall by 18%

Union Bank of the Philippines Announces Executive Resignations

Third quarter 2023 earnings: EPS misses analyst expectations

Union Bank of the Philippines Announces Executive Changes

Union Bank of the Philippines Announces Resignation of Marc Nicholas S. Angeles as Business Process Automation Head

Union Bank of the Philippines Announces Executive Appointments

Union Bank of the Philippines Announces Executive Changes

Union Bank of the Philippines Announces Resignation of Eduardo V. Enriquez III as SME Business Head and Senior Vice President, Effective November 1, 2023

Union Bank of the Philippines Unveils Four New Credit Cards

Union Bank of the Philippines Announces Resignation of Jonathan Z. Almeda as Payments and Clearing Management Head

Melvin S. Guinto, Risk Bureau Officer and Assistant Vice President, Resigns from Union Bank of the Philippines, Effective October 13, 2023

Union Bank of the Philippines(PSE:UBP) dropped from Philippines PSE Composite Index

Non-Executive Director recently bought ₱6.2m worth of stock