Jeju Bank (006220) fair value: what the stock is really worth
As of Nov 9, 2026: fair value (intrinsic value) of Jeju Bank stock KRW 5,115, price KRW 8,260, that is 38.1% below the price, quality 38 out of 100. Rating: strongly overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 6, 2026.
How to read this chart
60‑month range 3,977 KRW – 26,036 KRW · fair‑value band 3,836 KRW – 6,393 KRW · the 8,260 KRW price screens above the 5,115 KRW fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 6, 2026.
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Jeju Bank, together with its subsidiaries, engages in the provision of commercial banking products and services in South Korea.
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It provides deposit; savings; credit, secured, and car loans; credit cards; foreign currency exchange and deposits, and foreign remittance; funds; trust services; retirement pension, gold/silver bars; and insurance products, as well as internet banking.
The company was founded in 1969 and is headquartered in Jeju-si, South Korea. Jeju Bank is a subsidiary of Shinhan Financial Group Co., Ltd.
Stock analysis
Jeju Bank (006220) currently trades at 8,260 KRW, while our model-based Fair Value estimate is 5,115 KRW, 38% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Asset-Based group reads highest at a median of 10,989 KRW per share, and 2 of the 6 models we run sit above the 8,260 KRW price.
Bear case: the Dividend Discount group reads lowest at 2,312 KRW, and 4 of the 6 models stay below the price. Data coverage for this calculation is medium.
Scenario range: 3,836 KRW (bear) to 6,393 KRW (bull), the price of 8,260 KRW sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 38/100 (below-average quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Jeju Bank reported revenue of 190B KRW in FY2025 versus 142B KRW in FY2021, a compound +7.6%/yr. Reported net income was 13.9B KRW in FY2025, compounding −6.8%/yr from FY2021.
Key figures
Market cap 312B KRW (≈ $231M) Micro · P/E ratio 34.2 · P/S ratio 2.51 · EPS (TTM) 239.35 KRW · Dividend yield 1.2% · Net margin 7.3% · Return on equity 2.3% · Return on assets (EBIT) 1.1% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 45 out of 100 (low confidence).
What moves the price
The share trades about 52% below its 52-week high and 2% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −29% fair-value upside, at −38%, 006220 screens richer than that median.
Fair Value models
Bear3,836 KRWFair Value 5,115 KRWBull6,393 KRW
Price 8,260 KRW · Downside -38.1%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then (119.50 KRW per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Residual Income10,259 KRW10,568 KRW11,252 KRW76
Gordon GGM1,766 KRW2,319 KRW2,810 KRW69
DDM Multi-Stage1,766 KRW2,306 KRW2,841 KRW67
All 6 models by family
Dividend Discount
Gordon GGM1,766 KRW2,319 KRW2,810 KRW69
DDM Multi-Stage1,766 KRW2,306 KRW2,841 KRW67
Multiples
P/E Multiple3,593 KRW4,791 KRW5,989 KRW63
P/B Multiple5,433 KRW7,244 KRW9,054 KRW55
Asset-Based
NCAV (Graham)8,200 KRW10,989 KRW16,401 KRW54
Economic Profit
Residual Income10,259 KRW10,568 KRW11,252 KRW76
The fair value above starts from this blend and is adjusted for dilution from new shares.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.74/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+7.1%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+4.6%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+7.3%
Start year 2020 (pandemic). Over 10 years: +5.5% a year
Revenue growth 25 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+0.8%
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What shareholders gained per year (last 5 years), in KRW ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Measured in KRW: this currency has depreciated against the euro and dollar over the long run, so part of the nominal rate is currency erosion that never reaches a EUR/USD investor.
−7.3%
Earnings growth per share plus dividend.
Earnings per share, growth per year−8.5%
Dividend (yield on the price)1.2%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.−8.5% vs −10.6%, steady
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks
Beats the industry median on 2/13 measures
Overall it trails its industry peers.
Valuation
Quality Score38 · Bottom 25%
Fair Value upside−38.1% · Bottom 25%
Profitability
Return on equity (12 months)2.3% · Bottom 25%
Return on assets0.2% · Bottom 25%
Net margin (12 months)8.9% · Bottom 25%
Operating margin (12 months)28.4% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY)5.7% · Below median
Dividend yield (12 months)1.2% · Bottom 25%
Balance sheet
Debt / equity0.57× · Above median
Valuation Multiplesvs Banks - Regional median · lower = cheaper
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Cite: Fair Value Calculator (2026). "Jeju Bank Fair Value". https://www.fairvalue-calculator.com/stock/006220
Frequently asked questions
Is Jeju Bank (006220) overvalued or undervalued?
As of Nov 6, 2026, our model estimates a fair value of 5,115 KRW versus a price of 8,260 KRW, about 38% lower (overvalued).
What is the fair value of 006220?
Our model-based fair value for Jeju Bank is 5,115 KRW (as of Nov 6, 2026), built from audited fundamentals. The current price: 8,260 KRW.
What is the quality score of 006220?
Jeju Bank has a Quality Score of 38/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Jeju Bank (006220)?
Our model-based price target is the fair value of 5,115 KRW (as of Nov 6, 2026) from 6 valuation models. Cautious scenario 3,836 KRW, optimistic scenario 6,393 KRW. It is a calculation from audited fundamentals, not an analyst target.
What is the Jeju Bank stock forecast for 2026?
Our models put fair value at 5,115 KRW, about 38% lower versus a price of 8,260 KRW (overvalued). Cautious scenario 3,836 KRW, optimistic scenario 6,393 KRW. The calculation is refreshed regularly with new filings.
What is the revenue of Jeju Bank (006220)?
Jeju Bank reported trailing-twelve-month revenue of about 167B KRW (latest available figure, as of Nov 6, 2026).
Does Jeju Bank pay a dividend?
Jeju Bank currently shows a dividend yield of 1.21% relative to its recent price (as of Nov 6, 2026).
How much is the dividend of Jeju Bank (006220) and when is the ex-dividend date?
Jeju Bank pays a dividend of 100.00 KRW per share a year, a dividend yield of 1.2%. The last ex-dividend date was Mar 30, 2026. The payout ratio is 41.8% of earnings. Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.
What is the intrinsic value of Jeju Bank (006220)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Jeju Bank it is 5,115 KRW per share (as of Nov 6, 2026), against a price of 8,260 KRW. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Jeju Bank stock overvalued or undervalued in 2026?
As of Nov 6, 2026, 006220 trades above its calculated fair value: price 8,260 KRW, fair value 5,115 KRW, a gap of about −38% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of 006220?
No. The price is what the market pays today (8,260 KRW); the fair value is what the company's own numbers justify (5,115 KRW). For Jeju Bank the two are 3,145 KRW per share apart. That gap is exactly why we show both numbers side by side.
How much is Jeju Bank worth?
The market values Jeju Bank at about 312B KRW (market capitalisation, as of Nov 6, 2026). Per share that is 8,260 KRW; our models calculate a fair value of 5,115 KRW per share.
What do the bullish and bearish scenarios say about 006220?
Our models span a range for Jeju Bank: cautious scenario 3,836 KRW, base 5,115 KRW, optimistic 6,393 KRW per share (as of Nov 6, 2026, price 8,260 KRW). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 006220?
Jeju Bank trades at a price-to-earnings ratio of 34.2 (as of Nov 6, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 5,115 KRW is built from several models across several years. Median P/E at fiscal year-end, 8 fiscal years (2018 to 2025), reported earnings: 12.8. Other multiples: P/B 0.5, P/S 1.9.
How solid is the balance sheet of Jeju Bank (006220)?
Balance-sheet figures for Jeju Bank (as of Nov 6, 2026): return on equity 2.3%, debt of 0.57 per unit of equity. They feed the Quality Score of 38/100, which measures business quality independently of the share price.
How far is 006220 from its 52-week high?
Jeju Bank trades at 8,260 KRW, about 52% below its 52-week high of 17,056 KRW and 2% above the low of 8,120 KRW (as of Nov 9, 2026). Distance from the high says nothing about value: that is what the fair value of 5,115 KRW is for.
Which stocks are comparable to Jeju Bank?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Jeju Bank stock attractive at the current price?
The data as of Nov 6, 2026: price 8,260 KRW, calculated fair value 5,115 KRW (−38%), Quality Score 38/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of 006220 calculated?
We run Jeju Bank through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of 5,115 KRW builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. Jeju Bank itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Jeju Bank (006220)?
The closing price on Nov 9, 2026 was 8,260 KRW. Our model-based fair value is 5,115 KRW, about 38% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Jeju Bank right now?
The price sits above even our optimistic bull case (6,393 KRW). The favourable scenario is already priced in. Weak quality (38/100) and above fair value at the same time, the margin of safety is missing on both counts. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Jeju Bank
How large is the market capitalisation of Jeju Bank (006220)?
The market capitalisation of Jeju Bank is 312B KRW (≈ $231M). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Jeju Bank (006220)?
The price-to-sales ratio of Jeju Bank is 2.51 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Jeju Bank (006220)?
Earnings per share at Jeju Bank are 239.35 KRW (price ÷ EPS = P/E 34.2). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Jeju Bank (006220)?
The dividend yield of Jeju Bank is 1.2% (payout 41.8%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Jeju Bank (006220)?
The net margin of Jeju Bank is 7.3% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Jeju Bank (006220)?
The return on equity (ROE) of Jeju Bank is 2.3% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Jeju Bank (006220)?
On an EBIT basis the return on assets of Jeju Bank is 1.1% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Jeju Bank (006220)?
The operating margin of Jeju Bank is 28.4% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Jeju Bank (006220)?
Revenue at Jeju Bank is growing +5.7% versus a year earlier (3y avg +4.6%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Jeju Bank (006220)?
Earnings per share at Jeju Bank are growing −17.3% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Jeju Bank (006220) generate?
The free cash flow of Jeju Bank is 15.6B KRW (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Jeju Bank (006220) carry?
The net debt of Jeju Bank is 433B KRW (fiscal year 2025, ≈ 27.8 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Nov 6, 2026