Financial Services - Regional Banking & SME Finance
Strategic Profile
The company operates through Bank, Securities, Trust, Insurance agency, and Other segments, providing deposits, remittance, loans, securities brokerage, custodial services, insurance products, and leasing services. Earnings have grown 20% per year over the past 5 years.
Cyborg Score Rationale
The company demonstrates strong earnings growth of 20% annually over the past 5 years with trading at 12.8% below fair value estimates. However, regional market concentration and slower relative performance versus peers present headwinds.
Top Insights
Earnings have grown 20% per year over the past 5 years
Stock underperformed the Taiwan banking industry (up 12.3%) and Taiwan market (up 16.1%) over the past year
Stock exhibits stable price action with low volatility (1% weekly) over the past year
Company has 5,411 employees as of recent reporting period
Named Competitors
Chang Hwa Commercial Bank — Major commercial bank in Taiwan
Taichung Commercial Bank — Regional commercial bank in Taiwan
Taiwan Cooperative Financial Holding — Financial holding company in Taiwan
Recent Developments
(Oct 2025) Stock trading 12.8% below fair value estimate
(2023) Revenue increased to 27.69 billion TWD from 26.14 billion TWD (5.91% growth)
(2023) Net earnings increased to 10.57 billion TWD (4.40% growth)
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