To The Moon

The latest earnings season has wrapped up, and from Singapore to Wall Street, bank stocks have seemingly failed to escape the "sell-on-news" correction. All three SG local banks slumped post-earnings, with UOB hit the hardest, diving 4% in a single day. Is this a necessary risk release, or a golden opportunity to lock in high dividend yields? 1. Interest Rate Anxiety: AI Transformation vs. Operating Costs US Giants ( $JPMorgan Chase(JPM)$ , $Wells Fargo(WFC)$ , $Bank of America(BAC)$ ): The market is being brutally unforgiving. Even Bank of America, which beat expectations, suffered its largest single-day drop since 2020 due to "accelerating costs." While CEOs are

given the price now, I will get 100 DBS and 200 OCBC. 10K should be enough

Buy the dip now or regret when rocket again 

This earnings season, I’m seeing a textbook “sell-on-news” reaction from Singapore to Wall Street. Even names like JPMorgan Chase and Bank of America were punished despite solid numbers, as investors fixate on rising costs and AI spending discipline. The market is clearly demanding clean execution, not just beats. For our local banks, I see a more defensive story. DBS remains my dividend anchor after its 38% payout boost, even if provisions triggered short-term weakness. OCBC Bank stands out for its wealth management resilience and steady asset quality. Meanwhile, United Overseas Bank looks the most beaten down after heavy provisioning, making it the cheapest on valuation. If I had S$10,000 today, I’d core into $DBS(D05.SI)$ for dependable in

I've always wondered if buybacks are a tool to stop the bleeding during big market drops. Does it get easier to read the market once those buyback programmes are finished?  DBS seems to be doing fine without much buyback support at the moment—perhaps they are saving their 'bullets' for a better entry price? I personally prefer DBS over its peers because of its massive scale, its 'national bank' status through POSB, and its lead in the digital spac But i will wait awhile more with new tariff discussion on the card now.  How about you? 😅e.. 

Bet on UOB , time to catch up with DBS 

Dbs can buy, regardless of the price drop

our local banks still earn billions in profits and give good dividends. It's not as if their profits fell off a cliff. So if price comes down a bit I might even buy more

Singapore bank stocks are still a good investment with good dividend payout. 

With the rate cycle on its downward trend until 2027, couple with global trades and supply chains uncertainties, 2026 will mark the end of bull cycle for banks with progressive revaluations and/or corrections towards realistic fundamentals. $OCBC Bank(O39.SI)$  may have additional uncertainty given its insurance income component which has been evident in its Y25Q4 result. As an investor, it is time to assess trims and capital recycling if not already embarked on this journey. 😁 

UOB profit dropped but read an article that mentioned it beats expectations. So think can buy more if price dips further. Waiting OCBC report to digest the relative performance of the 3 big banks.

Please like my post!

🏦 $UOB(U11.SI)$ Q4 & FY25 earnings just dropped, and the market reaction was swift with a 4% slide! The stock is now sitting flat YTD for 2026. Where does Singapore’s banking giant go from here? We broke down the data. 🟢 BULLS (Score 3.4): Pointing to core resilience! UOB beat FY25 net profit estimates at S$4.68B. Asset quality remains rock solid with NPL at 1.5%, Q4 fee income is growing, and they maintained a highly sustainable dividend payout. 🔴 BEARS (Score 4.0): Focused on the heavy headwinds. Q4 profit missed expectations, down 7% YoY, while full-year profit plunged 23%. Net Interest Margins (NIM) are under severe pressure, and management just trimmed their 2026 fee-growth guidance. ⚖️ The Bears take the lead today on near-term re

$OCBC Bank(O39.SI)$  is due for correction as its current price is overvalued. DBS Q4 net profit dip 5.6% and stock price correction for following days after report out. UOB Q4 net profit dip 7.4% and same day correction peaked at 4.64% ($37.00). OCBC should follow suit and perhaps Q4 net profit dip may be between 6.2%-6.8%. 😁 Time for those who trimmed during OCBC Jan-Feb peak price $27.7x to redeploy again. 😂

I will hold Singapore bank for long term as it still core to Singapore.

🌟🌟🌟The 4.6% drop in UOB $UOB(U11.SI)$  following its earnings release this morning has clearly rattled the market, especially as it follows record highs across the STI Index.  To determine if this is a Buying opportunity or a Bye, we have to look past the headline miss. The Knee Jerk Reaction from the Market  The sell off was likely a reaction to 3 specific unpleasant surprises that the market did not like: Dividend Cut:  The SGD 0.71 final dividend was a 23% drop from last year.  This hurts income seeking investors who were spoiled by DBS's recent generosity. Guidance Trim:  CEO Wee Ee Cheong's more cautious outlook on 2026 fee growth - now in high single digits, suggests the post Cit

UOB’s FY25 Audit: A 200-Basis Point Spread in a Season of "Vanishing Customers" |🦖EP1446 I have been watching the local bank earnings reports roll in over the last week and something clicked for me regarding UOB that I felt compelled to share with our community of 6,000+ subscribers. While the mainstream headlines are busy celebrating a record fee income of $2.6 billion, I spent my evening digging into the footnotes of the wholesale credit provisions. There is a clear gap between the glossy narrative of a victory lap and the hard math of a 23 percent profit plunge. It feels like a celebration. But here is the uncomfortable truth: that attractive dividend is currently sitting on an engine showing signs of stress. When we look at the yield spread, we see a risk premium of only 86 basis point

$UOB(U11.SI)$    UOB Group reported an operating profit of S$7.7 billion for the financial year ended 31 December 2025 (FY25), driven by strong fee momentum across our wholesale banking and retail banking businesses. Net profit for FY25 moderated 23% to S$4.7 billion from the previous year, largely due to the pre-emptive general allowances that the Group proactively set aside in the third quarter to strengthen provision coverage amid growing macroeconomic uncertainties. The Board recommends the payment of a final dividend of 71 cents per ordinary share. Together with the interim dividend of 85 cents per ordinary share, the total dividend for FY25 will be S$1.56per ordinary share, representing a payout ratio of approximately 50%. In rec

$UOB(U11.SI)$  it took DBS about 5 trade days to stop the drop after reporting. Will history repeat here?  When DBS - being the biggest bank reporting profit drop, my six sense told me likely all local banks may face similar outcome. 😅 Let's see the next reporting by ocbc...hopefully i am wrong and ocbc can be better.

Market Snapshot Singapore stocks opened higher on Tuesday. STI rose 0.3%; Nio up 2%; SIA up 1%; UOB down 4%. Stocks in Focus $UOB(U11.SI)$: The bank’s net profit for the fourth quarter fell 7 per cent on the back of margin pressures from lower benchmark rates, it said on Tuesday. Net profit for the three months ended Dec 31, 2025, came in at S$1.41 billion, compared with S$1.52 billion a year earlier. The bank declared a dividend of S$0.71 per share for the half-year, bringing the full-year dividend to S$1.56 per share. Net interest income fell 4 per cent to S$2.35 billion. Shares of UOB closed 0.5 per cent or S$0.20 higher at S$38.80 on Monday. $OCBC Bank(O39.SI)$: Environmental group Market Forces h

$OCBC Bank(O39.SI)$  buy DBS or buy more ocbc ?

The latest earnings season has wrapped up, and from Singapore to Wall Street, bank stocks have seemingly failed to escape the "sell-on-news" correction. All three SG local banks slumped post-earnings, with UOB hit the hardest, diving 4% in a single day. Is this a necessary risk release, or a golden opportunity to lock in high dividend yields? 1. Interest Rate Anxiety: AI Transformation vs. Operating Costs US Giants ( $JPMorgan Chase(JPM)$ , $Wells Fargo(WFC)$ , $Bank of America(BAC)$ ): The market is being brutally unforgiving. Even Bank of America, which beat expectations, suffered its largest single-day drop since 2020 due to "accelerating costs." While CEOs are

This earnings season, I’m seeing a textbook “sell-on-news” reaction from Singapore to Wall Street. Even names like JPMorgan Chase and Bank of America were punished despite solid numbers, as investors fixate on rising costs and AI spending discipline. The market is clearly demanding clean execution, not just beats. For our local banks, I see a more defensive story. DBS remains my dividend anchor after its 38% payout boost, even if provisions triggered short-term weakness. OCBC Bank stands out for its wealth management resilience and steady asset quality. Meanwhile, United Overseas Bank looks the most beaten down after heavy provisioning, making it the cheapest on valuation. If I had S$10,000 today, I’d core into $DBS(D05.SI)$ for dependable in

I've always wondered if buybacks are a tool to stop the bleeding during big market drops. Does it get easier to read the market once those buyback programmes are finished?  DBS seems to be doing fine without much buyback support at the moment—perhaps they are saving their 'bullets' for a better entry price? I personally prefer DBS over its peers because of its massive scale, its 'national bank' status through POSB, and its lead in the digital spac But i will wait awhile more with new tariff discussion on the card now.  How about you? 😅e.. 

given the price now, I will get 100 DBS and 200 OCBC. 10K should be enough

Buy the dip now or regret when rocket again 

Bet on UOB , time to catch up with DBS 

🌟🌟🌟The 4.6% drop in UOB $UOB(U11.SI)$  following its earnings release this morning has clearly rattled the market, especially as it follows record highs across the STI Index.  To determine if this is a Buying opportunity or a Bye, we have to look past the headline miss. The Knee Jerk Reaction from the Market  The sell off was likely a reaction to 3 specific unpleasant surprises that the market did not like: Dividend Cut:  The SGD 0.71 final dividend was a 23% drop from last year.  This hurts income seeking investors who were spoiled by DBS's recent generosity. Guidance Trim:  CEO Wee Ee Cheong's more cautious outlook on 2026 fee growth - now in high single digits, suggests the post Cit

With the rate cycle on its downward trend until 2027, couple with global trades and supply chains uncertainties, 2026 will mark the end of bull cycle for banks with progressive revaluations and/or corrections towards realistic fundamentals. $OCBC Bank(O39.SI)$  may have additional uncertainty given its insurance income component which has been evident in its Y25Q4 result. As an investor, it is time to assess trims and capital recycling if not already embarked on this journey. 😁 

our local banks still earn billions in profits and give good dividends. It's not as if their profits fell off a cliff. So if price comes down a bit I might even buy more

Dbs can buy, regardless of the price drop

Market Snapshot Singapore stocks opened higher on Tuesday. STI rose 0.3%; Nio up 2%; SIA up 1%; UOB down 4%. Stocks in Focus $UOB(U11.SI)$: The bank’s net profit for the fourth quarter fell 7 per cent on the back of margin pressures from lower benchmark rates, it said on Tuesday. Net profit for the three months ended Dec 31, 2025, came in at S$1.41 billion, compared with S$1.52 billion a year earlier. The bank declared a dividend of S$0.71 per share for the half-year, bringing the full-year dividend to S$1.56 per share. Net interest income fell 4 per cent to S$2.35 billion. Shares of UOB closed 0.5 per cent or S$0.20 higher at S$38.80 on Monday. $OCBC Bank(O39.SI)$: Environmental group Market Forces h

Singapore bank stocks are still a good investment with good dividend payout. 

🧧🧧🧧The Year of the Fire Horse has officially turned the Straits Times Index (STI) into a global legend!  On 12 February 2026, the impossible happened: the STI crossed the historic 5,000 barrier.  This monumental roar was powered by a stable of star performers that have all hit their own record breaking strides this Lunar New Year. The Star Performers: Champions of the 5,000 Sprint  The Fire Horse doesn't run alone.  It is supported by the strongest 4 Singapore bluechip stocks that the Singapore market has not seen in decades: DBS - The Lion King  $DBS(D05.SI)$ led the charge, recently peaking at an all time high of SGD 60.00.  DBS reported strong FY2025 results on 9 February 2026,

UOB profit dropped but read an article that mentioned it beats expectations. So think can buy more if price dips further. Waiting OCBC report to digest the relative performance of the 3 big banks.

$UOB(U11.SI)$    UOB Group reported an operating profit of S$7.7 billion for the financial year ended 31 December 2025 (FY25), driven by strong fee momentum across our wholesale banking and retail banking businesses. Net profit for FY25 moderated 23% to S$4.7 billion from the previous year, largely due to the pre-emptive general allowances that the Group proactively set aside in the third quarter to strengthen provision coverage amid growing macroeconomic uncertainties. The Board recommends the payment of a final dividend of 71 cents per ordinary share. Together with the interim dividend of 85 cents per ordinary share, the total dividend for FY25 will be S$1.56per ordinary share, representing a payout ratio of approximately 50%. In rec

UOB’s FY25 Audit: A 200-Basis Point Spread in a Season of "Vanishing Customers" |🦖EP1446 I have been watching the local bank earnings reports roll in over the last week and something clicked for me regarding UOB that I felt compelled to share with our community of 6,000+ subscribers. While the mainstream headlines are busy celebrating a record fee income of $2.6 billion, I spent my evening digging into the footnotes of the wholesale credit provisions. There is a clear gap between the glossy narrative of a victory lap and the hard math of a 23 percent profit plunge. It feels like a celebration. But here is the uncomfortable truth: that attractive dividend is currently sitting on an engine showing signs of stress. When we look at the yield spread, we see a risk premium of only 86 basis point

Please like my post!

🏦 $UOB(U11.SI)$ Q4 & FY25 earnings just dropped, and the market reaction was swift with a 4% slide! The stock is now sitting flat YTD for 2026. Where does Singapore’s banking giant go from here? We broke down the data. 🟢 BULLS (Score 3.4): Pointing to core resilience! UOB beat FY25 net profit estimates at S$4.68B. Asset quality remains rock solid with NPL at 1.5%, Q4 fee income is growing, and they maintained a highly sustainable dividend payout. 🔴 BEARS (Score 4.0): Focused on the heavy headwinds. Q4 profit missed expectations, down 7% YoY, while full-year profit plunged 23%. Net Interest Margins (NIM) are under severe pressure, and management just trimmed their 2026 fee-growth guidance. ⚖️ The Bears take the lead today on near-term re

$OCBC Bank(O39.SI)$  is due for correction as its current price is overvalued. DBS Q4 net profit dip 5.6% and stock price correction for following days after report out. UOB Q4 net profit dip 7.4% and same day correction peaked at 4.64% ($37.00). OCBC should follow suit and perhaps Q4 net profit dip may be between 6.2%-6.8%. 😁 Time for those who trimmed during OCBC Jan-Feb peak price $27.7x to redeploy again. 😂

$UOB(U11.SI)$  it took DBS about 5 trade days to stop the drop after reporting. Will history repeat here?  When DBS - being the biggest bank reporting profit drop, my six sense told me likely all local banks may face similar outcome. 😅 Let's see the next reporting by ocbc...hopefully i am wrong and ocbc can be better.