UNIONBANK

P/E ratio 6–7.4x, which is low relative to fair valuation benchmarks (suggesting cheap valuation) in some models. Price/Book ratio 1x, indicating the stock is trading around book value. Dividend yield 3%. Earnings & growth outlook: Earnings growth forecasts are modest (lower than broader market growth). ROE is expected to be moderate (around mid-teens). Interpretation: Fundamentals show value appeal (cheap multiples) but earnings momentum isn’t particularly strong, which could cap upside unless profitability accelerates.