To The Moon

$UOB(U11.SI)$ $DBS(D05.SI)$ $OCBC Bank(O39.SI)$ As we hit November 5, 2025, the spotlight shines bright on Singapore's powerhouse banks—DBS, UOB, and OCBC—with their Q3 earnings dropping this week. DBS is teasing the edge of glory, trading at S$53.93, just a whisker from its all-time peak of S$54.80 set last month. Meanwhile, UOB sits at S$34.94, down from its February high of S$39.20, and OCBC clocks in at S$16.95, shy of its S$17.93 record. But with US giants like JPMorgan and Goldman Sachs crushing Q3 expectations through booming investment banking fees and solid revenue growth, could these local heroes ride the wave and spark fresh highs? Let's dive deep into the drama. 📈

First off, the earnings calendar is locked and loaded: DBS and UOB unleash their numbers tomorrow, while OCBC follows on Friday. Analysts are buzzing with mixed vibes—expect flat or slightly softer profits overall, thanks to narrowing net interest margins (NIMs) amid rate cuts. Yet DBS stands out like a champ 🏆, forecasting its full-year net interest income to top 2024 levels, fueled by robust loan growth and wealth management surges. UOB and OCBC? They're bracing for NIM squeezes, guiding 1.85%-1.9% and 1.9%-1.95% respectively, with potential year-on-year dips in NII. Still, non-interest income could steal the show, echoing the US banks' 9%-16% revenue jumps from trading and advisory deals.

Who might blast to new highs post-earnings? DBS looks primed to defy any pullback vibes 😎. Its shares have rocketed 166% from 2020 lows, boasting a juicy 5.5% dividend yield and a market cap breaching S$150 billion. If Q3 delivers beats on fee income and CET1 ratios stay rock-solid (around 14%-15%), we could see it smash through S$55 territory. UOB's ASEAN expansion packs growth punch, but its 82% five-year return trails DBS—watch for surprises in wholesale banking to push it toward S$36+. OCBC's insurance arm, Great Eastern, adds diversification flair, but with a -1% income dip in H1, it'll need stellar asset management wins to climb back to S$18. Overall, if global markets stay upbeat and no nasty surprises hit credit quality, all three could rally 3%-8% short-term.

Are they smart buys right now? Absolutely, if you're in for dividends and stability 🔥. DBS screams 'buy' with analysts eyeing 7.8% upside, thanks to its digital edge and regional dominance. UOB gets 'buy' nods too, blending growth and yields around 5%. OCBC? More of a 'hold' for conservative folks, but its 96% long-term gains and ecosystem perks make it tempting at current levels. With Singapore's economy humming and US banks setting the bar high, these stocks offer resilience against volatility—perfect for portfolios craving blue-chip reliability.

For a quick snapshot, here's a comparison table of key metrics as of today:

To visualize recent price action, here's chart to plot a simple line chart of their stock trends over the past month:

Bottom line: Earnings week could ignite fireworks 🎆. DBS might lead the charge against any downtrends, but keep eyes peeled for guidance on 2026. If you're betting big, diversify across all three for that sweet balance of growth, yields, and grit!

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📝 Disclaimer: This post is for informational purposes only and does not constitute financial advice. Always conduct your own research before making investment decisions.

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