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INDICATIVE · SAMPLE DATA
UOBH59

United Overseas Bank Ltd

BanksVerified

The capital structure of United Overseas Bank Ltd is characterized by a stable share count, with 1,653,523,491 basic and diluted shares outstanding, indicating no immediate dilution pressure. However, liquidity risk could not be assessed due to the absence of balance-sheet inputs and no going-concern language in source documents. In terms of profitability, the bank's performance is expected to be benchmarked against industry-specific metrics such as net interest margin and return on equity. While specific profitability figures are not provided, the bank's risk assessment indicates a low dilution risk, suggesting a relatively stable capital structure. Geographically, UOBH.SI is primarily exposed to the Singapore market, with a significant portion of its revenue derived from this region. The bank's exposure to other markets is not detailed in the available data, but its operations are likely to be influenced by regional economic conditions and regulatory environments. The growth trajectory of UOBH.SI is not explicitly outlined in the provided data, but the bank's current financial position and risk profile suggest a conservative approach to expansion. Analysts have provided a mean price target of 38.25 SGD, with a median of 37.80 SGD, indicating a generally positive outlook, although the majority of recommendations are neutral. Risk factors for UOBH.SI include the inability to assess liquidity risk, which could affect its ability to meet short-term obligations. The bank's dilution risk is currently low, and no adjustments have been applied to its valuation metrics, suggesting a stable capital structure. Recent events and filings for UOBH.SI do not provide specific details, but the bank's financial and operational performance is expected to be influenced by broader economic and regulatory developments in the banking sector. The absence of detailed recent events does not detract from the bank's overall stability and market position.

30-day price · UOBH+0.39 (+1.1%)
Low$35.70High$37.83Close$37.30As of17 May, 00:00 UTC
Profile
CompanyUnited Overseas Bank Ltd
TickerUOBH.SI
SectorFinancials
BusinessBanking & Investment Services
Industry groupBanking & Investment Services
IndustryBanks
AI analysis

Business. United Overseas Bank Ltd (UOBH.SI) is a Singapore-based bank that provides a range of financial services, including retail, commercial, and investment banking, and generates revenue primarily through interest income, fees, and commissions.

Classification. UOBH.SI is classified under the Financials economic sector, Banking & Investment Services business sector, and Banks industry, with a classification confidence of 0.92.

The capital structure of United Overseas Bank Ltd is characterized by a stable share count, with 1,653,523,491 basic and diluted shares outstanding, indicating no immediate dilution pressure. However, liquidity risk could not be assessed due to the absence of balance-sheet inputs and no going-concern language in source documents. In terms of profitability, the bank's performance is expected to be benchmarked against industry-specific metrics such as net interest margin and return on equity. While specific profitability figures are not provided, the bank's risk assessment indicates a low dilution risk, suggesting a relatively stable capital structure. Geographically, UOBH.SI is primarily exposed to the Singapore market, with a significant portion of its revenue derived from this region. The bank's exposure to other markets is not detailed in the available data, but its operations are likely to be influenced by regional economic conditions and regulatory environments. The growth trajectory of UOBH.SI is not explicitly outlined in the provided data, but the bank's current financial position and risk profile suggest a conservative approach to expansion. Analysts have provided a mean price target of 38.25 SGD, with a median of 37.80 SGD, indicating a generally positive outlook, although the majority of recommendations are neutral. Risk factors for UOBH.SI include the inability to assess liquidity risk, which could affect its ability to meet short-term obligations. The bank's dilution risk is currently low, and no adjustments have been applied to its valuation metrics, suggesting a stable capital structure. Recent events and filings for UOBH.SI do not provide specific details, but the bank's financial and operational performance is expected to be influenced by broader economic and regulatory developments in the banking sector. The absence of detailed recent events does not detract from the bank's overall stability and market position.
Key takeaways
  • UOBH.SI maintains a stable share count with no immediate dilution pressure.
  • The bank's liquidity risk could not be assessed due to missing balance-sheet data.
  • Analysts have a generally positive outlook, with a mean price target of 38.25 SGD.
  • The bank's operations are primarily concentrated in Singapore, with potential exposure to regional economic conditions.
  • UOBH.SI's risk profile indicates a low dilution risk and a stable capital structure.
  • # RATIONALES
  • ```json
  • {
Financial snapshot
PeriodHA-latest
CurrencySGD
Revenue
Gross profit
Operating income
Net income
R&D
SG&A
D&A
SBC
Operating cash flow
CapEx
Free cash flow
Total assets
Total liabilities
Total equity
Cash & equivalents
Long-term debt
Annual history (last 5)
PeriodRevenueOp IncomeNet IncomeFCF
FY-4$6.39B$4.08B$2.42B
FY-3$8.34B$4.57B$2.41B
FY-2$9.68B$5.71B$2.77B
FY-1$9.67B$6.04B$2.96B
FY0$9.36B$4.68B$414.0M
PeriodGross %Op %Net %FCF %
FY-4
FY-3
FY-2
FY-1
FY0
PeriodAssetsEquityCashDebt
FY-4$459.32B$42.63B
FY-3$504.26B$43.37B
FY-2$523.52B$46.23B
FY-1$537.66B$49.73B
FY0$572.06B$51.25B
PeriodOCFCapExFCFSBC
FY-4-$3.14B-$550.0M$2.42B
FY-3$10.10B-$704.0M$2.41B
FY-2$10.77B-$872.0M$2.77B
FY-1-$14.85B-$867.0M$2.96B
FY0$1.32B-$1.27B$414.0M
Quarterly history (last 4)
PeriodRevenueOp IncomeNet IncomeFCF
FQ-7
FQ-6
FQ-5
FQ-4
FQ-3
FQ-2
FQ-1
FQ0
PeriodGross %Op %Net %FCF %
FQ-7
FQ-6
FQ-5
FQ-4
FQ-3
FQ-2
FQ-1
FQ0
PeriodAssetsEquityCashDebt
FQ-7
FQ-6
FQ-5
FQ-4
FQ-3
FQ-2
FQ-1
FQ0
PeriodOCFCapExFCFSBC
FQ-7
FQ-6
FQ-5
FQ-4
FQ-3
FQ-2
FQ-1
FQ0
Valuation
Market price
Market cap
Enterprise value
P/E
Reported non-GAAP P/E
EV/Revenue
EV/Op income
EV/OCF
P/B
P/Tangible book
Tangible book
Net cash
Current ratio
Debt/Equity
ROA
ROE
Cash conversion
CapEx/Revenue
SBC/Revenue
Asset intensity
Dilution ratio0.0%
Risk assessment
Dilution riskLow
Liquidity riskUnknown
  • Liquidity risk could not be assessed (no balance-sheet inputs and no going-concern language in source documents).
Industry benchmarks
Activity: Banks · cohort 670 companies
MetricUOBHActivity
Op margin36.8% medp25 22.9% · p75 60.0%
Net margin33.6% medp25 19.4% · p75 51.1%
Gross margin55.0% medp25 42.9% · p75 88.7%
CapEx / revenue-4.6% medp25 -10.4% · p75 -2.1%
Debt / equity56.1% medp25 13.2% · p75 161.2%
Observations
IR observations
Mean price target38.25 SGD
Median price target37.80 SGD
High price target43.50 SGD
Low price target33.00 SGD
Mean recommendation2.77 (1=strong buy, 5=strong sell)
Strong-buy count1.00
Buy count2.00
Hold count9.00
Sell count1.00
Strong-sell count0.00
Mean EPS estimate3.35 SGD
Last actual EPS2.75 SGD
Competitor context
JPMJPMorgan ChaseUSPeer
Derived from classification anchor Banks.
Banks, Banking & Investment Services, Financials
BACBank of AmericaUSPeer
Derived from classification anchor Banks.
Banks, Banking & Investment Services, Financials
CCitigroupUSPeer
Derived from classification anchor Banks.
Banks, Banking & Investment Services, Financials
Source data
Underlying data the analysis-pipeline pulls and audits. Fetch timestamps + content hashes show when each source was last refreshed.
Company fundamentalsperiod FQ-7 · history via verified-market-data
no public URL
2026-05-01 05:27 UTC#899fa620
Source: analysis-pipeline (hybrid)Generated: 2026-05-29 21:06 UTCJob: fa6e8001