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Taichung Commercial Bank Co Ltd (2812) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of Taichung Commercial Bank Co Ltd stock TWD 13.93, price TWD 17.40, that is 19.9% below the price, quality 45 out of 100. Rating: overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services TW · ISIN TW0002812005

TC Taichung Commercial Bank Co Ltd logo Thin data Nov 8, 2026

Taichung Commercial Bank Co Ltd

2812 · TW
Expensive, weak quality

Our calculation puts a fair price 20% below what the stock costs today.

Highly profitable · 46.4% net margin (TTM)
2.1% dividend yield · Low payout
Wide moat 68/100
Last quarter vs. a year ago: revenue +31%, profit +34%.
Quality 45/100
Mixed Growth (revenue 5y +13.4 %/yr in TWD)
Mixed vs. peers (8/14)
Fair value 13.93 TWD · Overvalued (−19.9%)
Thin data
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

23.85 TWD 10.79 TWD Fair Value 13.93 TWD Jun 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 8, 2026.

How to read this chart

60‑month range 10.79 TWD – 23.85 TWD · fair‑value band 12.62 TWD – 17.01 TWD · the 17.40 TWD price screens above the 13.93 TWD fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 8, 2026.

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Company profile

Taichung Commercial Bank Co., Ltd., together with its subsidiaries, provides various banking products and services in Taiwan, rest of Asia, and America.

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The company offers various deposit products, such as savings accounts and time deposit accounts, as well as ATM card services; and foreign currency services, including foreign currency demand deposits, cash, travel checks, and remittances.

It also provides corporate finance services comprising corporate loans; trade services, such as letter of credit, collections, factoring, and forfaiting; corporate cash flow services, including account information, deposits, payments, and accounts receivable financing; and financial hedging services, such as hedging strategies, financial instruments, and consultation services.

In addition, the company offers personal mortgage loans comprising house mortgage and renovations, children's education funds, business start-up capital, investments, and financial management services; wealth management services, including financial advice and asset allocation, customized consultation services, family and retirement needs, and trust planning services; credit cards; and digital banking services, such as online and mobile banking, and mobile payment services.

Further, it engages in insurance brokerage, securities, financial leasing and investment, and venture capital businesses. The company was formerly known as Taichung Small and Medium Business Bank Company Limited and changed its name to Taichung Commercial Bank Co., Ltd. in December 1998.

Taichung Commercial Bank Co., Ltd. was founded in 1952 and is headquartered in Taichung, Taiwan.

Stock analysis

Taichung Commercial Bank Co Ltd (2812) currently trades at 17.40 TWD, while our model-based Fair Value estimate is 13.93 TWD, 20% below the price, so the stock looks overvalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of 19.10 TWD per share, and 2 of the 6 models we run sit above the 17.40 TWD price.

Bear case: the Dividend Discount group reads lowest at 4.67 TWD, and 4 of the 6 models stay below the price. Data coverage for this calculation is low.

Scenario range: 12.62 TWD (bear) to 17.01 TWD (bull), the price of 17.40 TWD 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 45/100 (below-average quality), in the Financial Services sector.

Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.

Taichung Commercial Bank Co Ltd reported revenue of 10.9B TWD in FY2025 versus 16.7B TWD in FY2021, a compound −10.2%/yr. Reported net income was 9.1B TWD in FY2025, compounding +17.2%/yr from FY2021.

Key figures

Market cap 113B TWD (≈ $3.4B) Mid · P/E ratio 10.9 · P/S ratio 5.18 · EPS (TTM) 1.59 TWD · Dividend yield 2.1% · Net margin 46.4% · Return on equity 11.2% · Return on assets (EBIT) 0.9% (5-year average).

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 68 out of 100 (medium confidence).

What moves the price

The share trades about 20% below its 52-week high and at its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −20%, 2812 screens cheaper than that median.

Fair Value models

Bear 12.62 TWD Fair Value 13.93 TWD Bull 17.01 TWD
Price 17.40 TWD · Downside -19.9%
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 (1.05 TWD 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 Income 12.62 TWD 13.93 TWD 17.01 TWD 76
Gordon GGM 3.08 TWD 4.87 TWD 6.87 TWD 68
DDM Multi-Stage 3.08 TWD 4.46 TWD 6.01 TWD 67
All 6 models by family
Dividend Discount
Gordon GGM 3.08 TWD 4.87 TWD 6.87 TWD 68
DDM Multi-Stage 3.08 TWD 4.46 TWD 6.01 TWD 67
Multiples
P/E Multiple 13.74 TWD 18.33 TWD 22.91 TWD 63
P/B Multiple 14.91 TWD 19.87 TWD 24.84 TWD 55
Asset-Based
NCAV (Graham) 7.10 TWD 9.51 TWD 14.20 TWD 54
Economic Profit
Residual Income 12.62 TWD 13.93 TWD 17.01 TWD 76

Open the full fair value analysis →

Quality Score breakdown

Overall quality 45/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 34
How much profit the company makes from its sales and capital
Quality Growth 58
Are margins and returns getting better?
Cashflow 90
Do the profits arrive as real cash?
Financial strength 19
Debt, balance sheet and risk of trouble
Investment 41
Does it invest with discipline instead of growing at any price?
Low Volatility 100
How calm the share price moves, does not count
Price momentum 27
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 5
Distance to the 52-week high, does not count
New shares 13
Buys back shares or issues new ones?

Open the full quality analysis →

Revenue & earnings trend

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. 80/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
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.
+24.5%
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.
+13.4%
Revenue growth 19 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.
+7.2%
What shareholders gained per year (last 5 years), in TWD ⓘ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 TWD: 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.
+13.0%
Earnings growth per share plus dividend.
Earnings per share, growth per year+10.9%
Dividend (yield on the price)2.1%
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.10.9% vs 6.1%, picking up
Profit margin 2020 to 2025 ⓘ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.31% → 100%
Pace: the 5-year rate starts in 2020 (pandemic)

2812 screens overvalued: fair value 20% below the price. Compare with China Merchants Bank Co →

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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 · 998 stocks

Beats the industry median on 8/14 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 45 · Bottom 25%
Fair Value upside −19.9% · Below median
Profitability
Return on equity (12 months) 11.2% · Above median
Return on assets 0.9% · Below median
Net margin (12 months) 46.4% · Top 25%
Operating margin (12 months) 55.6% · Top 25%
Growth and dividend
Revenue growth (quarter YoY) 31.4% · Top 25%
Dividend yield (12 months) 2.1% · Below median
Balance sheet
Debt / equity 0.15× · Below median

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 10.9× · Cheaper than median
P/B 1.23× · Pricier than median
P/S (12 months) 5.18× · Priciest 25%
Price / free cash flow (fiscal year) 8.9× · Cheaper than median
EV/EBITDA 6.3× · Cheaper than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)7 · sector 8
FUTURE (revenue growth)100 · sector 47
PAST (return on equity)45 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)42 · sector 53

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Postal Savings Bank of China Co 601658 ¥5.53 ¥7.59 +37% vs 2812
China Merchants Bank Co 600036 ¥42.88 ¥52.73 +23% vs 2812
BNP Paribas SA BNP €91.93 €106.01 +15% vs 2812
Intesa Sanpaolo S.p.A ISP €6.18 €4.49 −27% vs 2812
State Bank of India SBIN ₹1,019 ₹736.65 −28% vs 2812
UniCredit S.p.A UCG €76.80 €50.44 −34% vs 2812
Mizuho Financial Group MFG $9.40 $5.90 −37% vs 2812
DBS Group D05 69.72 SGD 40.39 SGD −42% vs 2812
HDFC Bank Limited HDFCBANK ₹788.25 ₹406.39 −48% vs 2812
ICICI Bank Limited ICICIBANK ₹1,571 ₹615.63 −61% vs 2812

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Taichung Commercial Bank Co Ltd: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "Taichung Commercial Bank Co Ltd Fair Value". https://www.fairvalue-calculator.com/stock/2812

Frequently asked questions

Is Taichung Commercial Bank Co Ltd (2812) overvalued or undervalued?
As of Nov 8, 2026, our model estimates a fair value of 13.93 TWD versus a price of 17.40 TWD, about 20% lower (overvalued).
What is the fair value of 2812?
Our model-based fair value for Taichung Commercial Bank Co Ltd is 13.93 TWD (as of Nov 8, 2026), built from audited fundamentals. The current price: 17.40 TWD.
What is the quality score of 2812?
Taichung Commercial Bank Co Ltd has a Quality Score of 45/100. 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 Taichung Commercial Bank Co Ltd (2812)?
Our model-based price target is the fair value of 13.93 TWD (as of Nov 8, 2026) from 6 valuation models. Cautious scenario 12.62 TWD, optimistic scenario 17.01 TWD. It is a calculation from audited fundamentals, not an analyst target.
What is the Taichung Commercial Bank Co Ltd stock forecast for 2026?
Our models put fair value at 13.93 TWD, about 20% lower versus a price of 17.40 TWD (overvalued). Cautious scenario 12.62 TWD, optimistic scenario 17.01 TWD. The calculation is refreshed regularly with new filings.
What is the revenue of Taichung Commercial Bank Co Ltd (2812)?
Taichung Commercial Bank Co Ltd reported trailing-twelve-month revenue of about 21.8B TWD (latest available figure, as of Nov 8, 2026).
Does Taichung Commercial Bank Co Ltd pay a dividend?
Taichung Commercial Bank Co Ltd currently shows a dividend yield of 2.10% relative to its recent price (as of Nov 8, 2026).
How much is the dividend of Taichung Commercial Bank Co Ltd (2812) and when is the ex-dividend date?
Taichung Commercial Bank Co Ltd pays a dividend of 0.366 TWD per share a year, a dividend yield of 2.1%. The last ex-dividend date was Aug 4, 2026. The payout ratio is 23.0% 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 Taichung Commercial Bank Co Ltd (2812)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Taichung Commercial Bank Co Ltd it is 13.93 TWD per share (as of Nov 8, 2026), against a price of 17.40 TWD. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Taichung Commercial Bank Co Ltd stock overvalued or undervalued in 2026?
As of Nov 8, 2026, 2812 trades above its calculated fair value: price 17.40 TWD, fair value 13.93 TWD, a gap of about −20% (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 2812?
No. The price is what the market pays today (17.40 TWD); the fair value is what the company's own numbers justify (13.93 TWD). For Taichung Commercial Bank Co Ltd the two are 3.47 TWD per share apart. That gap is exactly why we show both numbers side by side.
How much is Taichung Commercial Bank Co Ltd worth?
The market values Taichung Commercial Bank Co Ltd at about 113B TWD (market capitalisation, as of Nov 8, 2026). Per share that is 17.40 TWD; our models calculate a fair value of 13.93 TWD per share.
What do the bullish and bearish scenarios say about 2812?
Our models span a range for Taichung Commercial Bank Co Ltd: cautious scenario 12.62 TWD, base 13.93 TWD, optimistic 17.01 TWD per share (as of Nov 8, 2026, price 17.40 TWD). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 2812?
Taichung Commercial Bank Co Ltd trades at a price-to-earnings ratio of 10.9 (as of Nov 8, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 13.93 TWD is built from several models across several years. Other multiples: P/B 1.2, P/S 5.2, EV/EBITDA 6.3.
How solid is the balance sheet of Taichung Commercial Bank Co Ltd (2812)?
Balance-sheet figures for Taichung Commercial Bank Co Ltd (as of Nov 8, 2026): return on equity 11.2%, debt of 0.15 per unit of equity. They feed the Quality Score of 45/100, which measures business quality independently of the share price.
How far is 2812 from its 52-week high?
Taichung Commercial Bank Co Ltd trades at 17.40 TWD, about 20% below its 52-week high of 21.70 TWD and at the low of 17.40 TWD (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of 13.93 TWD is for.
Which stocks are comparable to Taichung Commercial Bank Co Ltd?
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 Taichung Commercial Bank Co Ltd stock attractive at the current price?
The data as of Nov 8, 2026: price 17.40 TWD, calculated fair value 13.93 TWD (−20%), Quality Score 45/100, 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 2812 calculated?
We run Taichung Commercial Bank Co Ltd through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of 13.93 TWD 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 13.0% above its aggregate fair value. Taichung Commercial Bank Co Ltd 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 Taichung Commercial Bank Co Ltd (2812)?
The closing price on Nov 6, 2026 was 17.40 TWD. Our model-based fair value is 13.93 TWD, about 20% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Taichung Commercial Bank Co Ltd right now?
The price sits above even our optimistic bull case (17.01 TWD). The favourable scenario is already priced in. Weak quality (45/100) and above fair value at the same time, the margin of safety is missing on both counts. Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of Taichung Commercial Bank Co Ltd (2812) come from?
Earnings per share at Taichung Commercial Bank Co Ltd grew +5.8 % a year from 2014 to 2025. Broken into its drivers: revenue per share +1.8 %, EBIT margin +4.3 %, tax rate −0.3 %, residual (interest, one-offs) +0.0 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.

Key figures of Taichung Commercial Bank Co Ltd

How large is the market capitalisation of Taichung Commercial Bank Co Ltd (2812)?
The market capitalisation of Taichung Commercial Bank Co Ltd is 113B TWD (≈ $3.4B). 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 Taichung Commercial Bank Co Ltd (2812)?
The price-to-sales ratio of Taichung Commercial Bank Co Ltd is 5.18 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Taichung Commercial Bank Co Ltd (2812)?
Earnings per share at Taichung Commercial Bank Co Ltd are 1.59 TWD (price ÷ EPS = P/E 10.9). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Taichung Commercial Bank Co Ltd (2812)?
The dividend yield of Taichung Commercial Bank Co Ltd is 2.1% (payout 23.0%). 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 Taichung Commercial Bank Co Ltd (2812)?
The net margin of Taichung Commercial Bank Co Ltd is 46.4% (last twelve months). 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 Taichung Commercial Bank Co Ltd (2812)?
The return on equity (ROE) of Taichung Commercial Bank Co Ltd is 11.2% (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 Taichung Commercial Bank Co Ltd (2812)?
On an EBIT basis the return on assets of Taichung Commercial Bank Co Ltd is 0.9% (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 Taichung Commercial Bank Co Ltd (2812)?
The operating margin of Taichung Commercial Bank Co Ltd is 55.6% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Taichung Commercial Bank Co Ltd (2812)?
Revenue at Taichung Commercial Bank Co Ltd is growing +31.4% versus a year earlier (3y avg −18.2%). 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 Taichung Commercial Bank Co Ltd (2812)?
Earnings per share at Taichung Commercial Bank Co Ltd are growing +34.3% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Taichung Commercial Bank Co Ltd (2812) generate?
The free cash flow of Taichung Commercial Bank Co Ltd is 12.7B TWD (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 Taichung Commercial Bank Co Ltd (2812) carry?
The net debt of Taichung Commercial Bank Co Ltd is 5.5B TWD (fiscal year 2025, ≈ 0.4 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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