U11.SI United Overseas Bank Ltd (SES) Q4 24 Feb 2026: dividend, valuation watch
U11.SI stock closed at S$37.20 on 24 Feb 2026 after United Overseas Bank Limited released its Q4 results, sending the share price down 3.63% for the session. The bank reported trailing EPS of S$3.50 and trades at a PE of 11.09, below the Financial Services sector average PE of 14.41. Volume spiked to 9,780,670 shares versus an average of 2,935,612, showing active repositioning after the report. Investors are watching dividend sustainability and credit trends across ASEAN as key drivers for the next quarter.
Earnings snapshot: U11.SI stock Q4 results and market reaction
United Overseas Bank Limited (U11.SI) reported EPS of S$3.50 for the trailing period with net income growth of 5.85% year on year. The stock fell from a previous close of S$38.60 to S$37.20, a S$1.40 decline driven by guidance and payout questions.
Trading volume hit 9,780,670 shares, almost 3.33x the average volume. This shows investors reacted quickly to the earnings announcement and the neutral analyst tone dated 23 Feb 2026.
Financials and valuation: margins, PE, PB and capital metrics
UOB trades at a PE of 11.09 and a PB of 1.28, below the Financial Services sector averages of 14.41 PE and 5.00 PB. Return on equity is 11.91%, and net profit margin stands at 28.90%, showing operational strength versus peers.
Book value per share is S$30.40 and cash per share is S$37.90. These capital metrics support a measured view on valuation while highlighting a conservative balance sheet.
Dividend, cash flow and payout: what the U11.SI stock report means
UOB pays S$2.27 per share trailing and yields 5.85%, with a payout ratio of 64.52%. The dividend remains attractive versus peers but relies on stable net interest margins and credit costs.
Operating cash flow per share is negative at -S$4.51 and free cash flow per share is -S$5.23. These cash flow pressures increase scrutiny on dividend sustainability despite healthy earnings.
Market technicals and sector comparison for U11.SI stock
Technicals show momentum but recent weakness: RSI 60.84, ADX 53.75 indicating a strong trend, and MACD histogram -0.13. Short-term averages put price near the 50-day mean S$36.90 and above the 200-day mean S$35.66.
Against the Financial Services sector, UOB’s debt to equity at 0.70 exceeds the sector average of 0.36, highlighting higher leverage compared with peers.
Meyka stock grade and model forecast for U11.SI stock
Meyka AI rates U11.SI with a score out of 100: 73.78 (Grade B+ | Suggestion: BUY). This grade factors in S&P 500 benchmark comparison, sector performance, financial growth, key metrics, and analyst consensus.
Meyka AI’s forecast model projects a monthly price of S$37.52, a yearly target of S$38.32, and a three-year target of S$41.48. Versus the current price S$37.20, the model implies short-term upside of 0.86%, one-year upside of 3.02%, and three-year upside of 11.51%. Forecasts are model-based projections and not guarantees.
Risks and opportunities for U11.SI stock investors
Key risks include slower loan growth in ASEAN, pressure on net interest margins, and weaker operating cash flow. UOB’s cash flow ratios are negative and interest coverage is 1.19, which raises monitoring needs.
Opportunities come from fee income growth, regional trade finance recovery, and a modest valuation gap versus sector peers. Sector tailwinds in Financial Services and stable ROE support a constructive medium-term outlook.
Final Thoughts
U11.SI stock closed at S$37.20 on 24 Feb 2026 after earnings that mixed solid EPS with weaker cash flow signals. The bank trades at a PE of 11.09 and PB of 1.28, below sector multiples, which cushions near-term downside. Dividend yield of 5.85% looks attractive but carries execution risk given negative operating cash flow per share of -S$4.51. Meyka AI’s forecast model projects S$38.32 for the next year, implying 3.02% upside versus today. Our proprietary grade is B+ (73.78) with a BUY suggestion, reflecting relative value, steady ROE and sector positioning. Investors should weigh the yield and valuation against cash flow and leverage risks, and monitor upcoming credit cost guidance and regional loan momentum. For active traders, the technicals suggest a defined trend but with volatile sessions ahead. See the full report and historical data on Meyka AI’s platform for scenario modelling and live updates.
FAQs
What drove the U11.SI stock drop on 24 Feb 2026?
The fall to S$37.20 reflected mixed Q4 results, negative operating cash flow per share, and investor questions on dividend sustainability. Volume rose to 9,780,670 shares, signalling active repositioning after the announcement.
Is U11.SI stock a buy after the earnings report?
Meyka AI assigns U11.SI a B+ grade with a BUY suggestion based on valuation and ROE. The stock offers yield and relative value, but investors must monitor cash flow and credit trends before adding.
What price targets exist for U11.SI stock from Meyka AI?
Meyka AI’s forecast model projects S$37.52 (monthly) and S$38.32 (one year). These imply short-term upside of 0.86% and one-year upside of 3.02% versus the S$37.20 close.
How does U11.SI stock compare to its Financial Services peers?
UOB’s PE 11.09 is below the sector average PE 14.41, while its debt to equity 0.70 is above the sector average 0.36. That mix shows cheaper valuation but higher leverage risk.
Disclaimer:
Stock markets involve risks. This content is for informational purposes only. Past performance does not guarantee future results. Meyka AI PTY LTD provides market analysis and data insights, not financial advice. Always conduct your own research and consider consulting a licensed financial advisor.