UOB:GETTEXUnited Overseas Bank Limited Analysis
Data as of 2026-03-10 - not real-time
SGD 36.25
Latest Price
4/10Risk
Risk Level: Medium
Executive Summary
UOB trades below its industry PE, offering a clear value edge, while the stock sits above its short‑term moving averages and volume is on the rise, indicating a bullish backdrop. The RSI remains in neutral territory and the dividend yield is attractive with a comfortable payout ratio, supporting the case for income‑focused investors. However, operating cash flow is negative and revenue shows a slight contraction, which introduces a modest earnings‑quality concern.
Technical indicators reveal a bearish MACD divergence that suggests caution in the immediate term, yet the low beta and moderate 30‑day volatility point to a defensive risk profile. A strong capital base and solid liquidity further cushion the stock against macro‑economic headwinds, making the overall setup supportive of a modest upside potential.
Technical indicators reveal a bearish MACD divergence that suggests caution in the immediate term, yet the low beta and moderate 30‑day volatility point to a defensive risk profile. A strong capital base and solid liquidity further cushion the stock against macro‑economic headwinds, making the overall setup supportive of a modest upside potential.
Market Outlook
Short Term
< 1 yearNeutral
Model confidence: 6/10
Key Factors
- Bullish trend direction with price above short‑term averages
- Neutral RSI and increasing volume supporting momentum
- Bearish MACD divergence urging caution
Medium Term
1–3 yearsPositive
Model confidence: 7/10
Key Factors
- Undervalued relative to industry PE multiple
- Attractive dividend yield and sustainable payout
- Low beta and moderate volatility indicating defensive profile
Long Term
> 3 yearsPositive
Model confidence: 7/10
Key Factors
- Strong capital and liquidity position
- Consistent dividend policy providing steady income
- Stable sector fundamentals and low geographic risk
Key Metrics & Analysis
Financial Health
Revenue Growth-1.80%
Profit Margin39.79%
P/E Ratio13.2
ROE9.26%
ROA0.85%
P/B Ratio1.2
Op. Cash FlowSGD-30048000000
Industry P/E17.2
Technical Analysis
TrendBullish
RSI41.3
SupportSGD 35.15
ResistanceSGD 39.48
MA 20SGD 37.46
MA 50SGD 37.18
MA 200SGD 35.70
MACDBearish
VolumeIncreasing
Fear & Greed Index77.34
Valuation
Target PriceSGD 38.40
Upside/Downside5.92%
GradeUndervalued
TypeValue
Dividend Yield4.00%
Risk Assessment
Beta0.52
Volatility20.32%
Sector RiskLow
Reg. RiskMedium
Geo RiskLow
Currency RiskLow
Liquidity RiskLow
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This analysis may contain inaccuracies and is provided for informational and research purposes only. It is not personal investment advice, a recommendation, or an instruction to buy, sell, or hold any asset.