Jeju Bank (006220) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of Jeju Bank KRW 4,586, price KRW 9,570, upside -52.1%, quality 38 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.
How to read this chart
60‑month range 3,977 KRW – 26,036 KRW · fair‑value band 3,440 KRW – 5,733 KRW · the 9,570 KRW price screens above the 4,586 KRW fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 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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Jeju Bank, together with its subsidiaries, engages in the provision of commercial banking products and services in South Korea. 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 9,570 KRW, while our model-based Fair Value estimate is 4,586 KRW, implying the stock looks roughly 108.7% overvalued today.
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Valuation
Bull case: the Asset-Based group reads highest at a median of 11,473 KRW per share, and 2 of the 6 models we run sit above the 9,570 KRW price.
Bear case: the Dividend Discount group reads lowest at 2,133 KRW, and 4 of the 6 models stay below the price. Evidence for this calculation is medium.
Scenario range: 3,440 KRW (bear) to 5,733 KRW (bull), the price of 9,570 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 362B KRW (≈ $266M) · P/S ratio 2.10 · Dividend yield 1.0% · Net margin 7.3% · Return on equity 2.5% · Return on assets (EBIT) 1.1% · Operating margin 25.0% · Revenue (TTM) 165B KRW.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 38 out of 100 (low confidence).
What moves the price
The share trades about 44% below its 52-week high and 16% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −37% fair-value upside, at −52%, 006220 screens richer than that median.
Fair Value models
Bear 3,440 KRWFair Value 4,586 KRWBull 5,733 KRW
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model.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.Evidence ⓘEvidence = 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.
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.
−7.5%
Earnings growth per share plus dividend.
Earnings per share, growth per year−8.5%
Dividend (yield on the price)1.0%
Profit margin 2013 to 2018 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.59% → 39%
Growth Forecast
A lot of optimism in the price
The price assumes more growth than the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+33.0%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (South Korea: IMF forecast 2.1% a year to 2030, 2.1% from 2016 to 2025) that is about +30.3% a year for the price.
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 · 1076 stocks
Beats the industry median on 2/10 measures
Overall it trails its industry peers.
Valuation
Quality Score37 · Bottom 25%
Fair Value upside−52% · Bottom 25%
Profitability
Return on equity (TTM)2% · Bottom 25%
Return on assets0% · Bottom 25%
Net margin (TTM)9% · Bottom 25%
Operating margin (TTM)25% · Bottom 25%
Growth and dividend
Revenue growth20% · Top 25%
Dividend yield (TTM)1.0% · Bottom 25%
Balance sheet
Debt / equity0.57× · Above median
Valuation Multiplesvs Banks - Regional median · lower = cheaper
P/FCF0.0× · Cheapest 25%
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 11
FUTURE (revenue growth)99· sector 45
PAST (return on equity)10· sector 41
HEALTH (low debt)71· sector 85
DIVIDEND (yield)21· sector 53
VALUE 0: the price sits above our fair-value range.
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
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 Sep 24, 2026, our model estimates a fair value of 4,586 KRW versus a price of 9,570 KRW, about −52% upside (overvalued).
What is the fair value of 006220?
Our model-based fair value for Jeju Bank is 4,586 KRW (as of Sep 24, 2026), built from audited fundamentals. The current price: 9,570 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 4,586 KRW (as of Sep 24, 2026) from 6 valuation models. Cautious scenario 3,440 KRW, optimistic scenario 5,733 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 4,586 KRW, about −52% upside versus a price of 9,570 KRW (overvalued). Cautious scenario 3,440 KRW, optimistic scenario 5,733 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 165B KRW (latest available figure, as of Sep 24, 2026).
Does Jeju Bank pay a dividend?
Jeju Bank currently shows a dividend yield of about 1.04% relative to its recent price (as of Sep 24, 2026).
What growth is priced into Jeju Bank (006220)?
For today's price to be fair in a discounted-cash-flow model, Jeju Bank would have to grow free cash flow by +33.0 % per year for five years (discount rate 11.6 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +7.3 % per year. As of Sep 24, 2026.
What discount rate (WACC) does the fair value of 006220 use?
Our models discount Jeju Bank at 11.6 %: a base by market capitalisation (micro), damped by beta 0.42, country premium for South Korea. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Jeju Bank that is +33.0 % per year a year over ten years, using the same discount rate (11.6 %) and the same formula as our fair value.
How much growth has Jeju Bank (006220) delivered so far?
Over the past 5 years revenue at Jeju Bank grew +7.3 % a year. The price currently implies +33.0 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Jeju Bank (006220) growing?
The median revenue growth in the sector is +8.4 % a year. That is the yardstick for the growth priced into Jeju Bank (+33.0 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Jeju Bank (006220)?
The free-cash-flow yield on the price is 4.30 %: that much free cash flow Jeju Bank produces per unit of market value. When it exceeds the discount rate of our models (11.6 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
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 4,586 KRW per share (as of Sep 24, 2026), against a price of 9,570 KRW. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Jeju Bank stock overvalued or undervalued in 2026?
As of Sep 24, 2026, 006220 trades above its calculated fair value: price 9,570 KRW, fair value 4,586 KRW, a gap of about −52% (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 (9,570 KRW); the fair value is what the company's own numbers justify (4,586 KRW). For Jeju Bank the two are 4,984 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 362B KRW (market capitalisation, as of Sep 24, 2026). Per share that is 9,570 KRW; our models calculate a fair value of 4,586 KRW per share.
What do the bullish and bearish scenarios say about 006220?
Our models span a range for Jeju Bank: cautious scenario 3,440 KRW, base 4,586 KRW, optimistic 5,733 KRW per share (as of Sep 24, 2026, price 9,570 KRW). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Jeju Bank (006220)?
Balance-sheet figures for Jeju Bank (as of Sep 24, 2026): return on equity 2.5%, 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 9,570 KRW, about 44% below its 52-week high of 17,056 KRW and 16% above the low of 8,250 KRW (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of 4,586 KRW is for.
Which stocks are comparable to Jeju Bank?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, Intesa Sanpaolo S.p.A, HDFC Bank Limited, 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 Sep 24, 2026: price 9,570 KRW, calculated fair value 4,586 KRW (−52%), 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 four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of 4,586 KRW, 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 13.0 % 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 Sep 23, 2026 was 9,570 KRW. Our model-based fair value is 4,586 KRW, about −52% upside (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 (5,733 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 362B KRW (≈ $266M). 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 2.10 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What is the dividend yield of Jeju Bank (006220)?
The dividend yield of Jeju Bank is 1.0%. 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 2.5% (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 25.0% (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 +19.7% 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 +62.2% versus a year earlier. How much earnings per share grew versus a year earlier.
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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