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Far Eastern International Bank (2845) fair value: what the stock is really worth

As of Sep 24, 2026: fair value of Far Eastern International Bank TWD 12.70, price TWD 13.30, upside -4.5%, quality 36 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? No
  2. Good quality? No
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Financial Services · TW · ISIN TW0002845005

FE Thin data Sep 24, 2026

Far Eastern International Bank

2845 · TW

Low PriorityFair Value upside is limited and quality is weak.

·Fair value 12.70 TWD · Fairly valued (−5%)
!Quality 36/100
!Expensive Growth (revenue 5y +8.1 %/yr)
✓Highly profitable · 33.4% net margin (TTM)
!Low debt · negative free cash flow
·3.86% dividend yield
!Mixed vs. peers (6/14)
!Moderate moat 59/100
!Evidence only low, so the estimate is less certain
!Weak on valuation: 27 out of 100
!Weak on past: 26 out of 100
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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

17.40 TWD 9.32 TWD Fair Value 12.70 TWD Apr 2021 Sep 2026

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 9.32 TWD – 17.40 TWD · fair‑value band 9.53 TWD – 15.88 TWD · the 13.30 TWD price screens above the 12.70 TWD 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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Company profile

Far Eastern International Bank Ltd. Engages in the provision of individual and enterprise services in Taiwan, rest of the Asia Pacific, and internationally. The company provides savings and checking accounts; remittance, foreign exchange, and wealth management and SME financing services; and mutual funds, ETFs, and offshore stock shares and straight bonds.

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Far Eastern International Bank Ltd. Engages in the provision of individual and enterprise services in Taiwan, rest of the Asia Pacific, and internationally. The company provides savings and checking accounts; remittance, foreign exchange, and wealth management and SME financing services; and mutual funds, ETFs, and offshore stock shares and straight bonds. It offers insurance products, including compulsory, accident, medical, saving, annuity, and investment-oriented insurance; integrated financial solution schemes through financing, cash managing, and hedging services; accounts receivable, electronic payment, and financial hedging services; and SME credit guarantee trust fund, foreign capital safekeeping, and investment services. In addition, the company offers credit cards; credit card financial management services, such as balance transfer for credit card debt, consumer loans, and cash advances; unsecured loans comprising loans to public functionaries, teachers, and employees of companies, as well as to employees with approximately half a year of service at enterprises and organizations; and mortgage loans for new house interior decoration and used home remodeling; and credit lines for use in wealth management. Further, it provides short, medium, and long term credit facility, trade finance, cash management, foreign exchange, corporate trust, financial advisory, acquisition, project, and structured financing services; and financial market services, as well as e-banking services. Additionally, the company issues letters of credit; handles domestic and foreign exchange and acceptance business; handles investment and agency sales of government, corporate, and financial bonds. Far Eastern International Bank Ltd. was incorporated in 1992 and is based in Taipei, Taiwan.

Stock analysis

Far Eastern International Bank (2845) currently trades at 13.30 TWD, while our model-based Fair Value estimate is 12.70 TWD, implying the stock looks roughly 4.7% fairly valued today.

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Valuation

Bull case: the Economic Profit group reads highest at a median of 11.66 TWD per share, and 1 of the 4 models we run sit above the 13.30 TWD price.

Bear case: the Asset-Based group reads lowest at 9.62 TWD, and 3 of the 4 models stay below the price. Evidence for this calculation is low.

Scenario range: 9.53 TWD (bear) to 15.88 TWD (bull), the price of 13.30 TWD sits inside 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 36/100 (below-average quality), in the Financial Services sector.

Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.

Far Eastern International Bank reported revenue of 12.6B TWD in FY2025 versus 13.6B TWD in FY2021, a compound −1.9%/yr. Reported net income was 4.2B TWD in FY2025, compounding +9.1%/yr from FY2021.

Key figures

Market cap 65.0B TWD (≈ $2.0B) · P/E ratio 14.5 · P/S ratio 4.78 · EPS (TTM) 0.9200 TWD · Dividend yield 3.9% · Net margin 33.1% · Return on equity 6.4% · Return on assets (EBIT) 0.5%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 42 out of 100 (medium confidence).

What moves the price

The share trades about 3% below its 52-week high and 12% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −38% fair-value upside, at −5%, 2845 screens cheaper than that median.

Fair Value models

Bear 9.53 TWD Fair Value 12.70 TWD Bull 15.88 TWD
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. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then (0.2970 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. 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.
Highest evidence
Residual Income 11.31 TWD 11.66 TWD 11.80 TWD 76
P/E Multiple 8.36 TWD 11.15 TWD 13.93 TWD 63
P/B Multiple 10.93 TWD 14.58 TWD 18.22 TWD 55
All 4 models by family
Multiples
P/E Multiple 8.36 TWD 11.15 TWD 13.93 TWD 63
P/B Multiple 10.93 TWD 14.58 TWD 18.22 TWD 55
Asset-Based
NCAV (Graham) 7.18 TWD 9.62 TWD 14.36 TWD 54
Economic Profit
Residual Income 11.31 TWD 11.66 TWD 11.80 TWD 76

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Quality Score breakdown

Overall quality 36/100

Of which business quality 29 · Market factors (momentum, volatility) 66

Profitability 32
Margins and returns on capital today
Quality Growth 58
Are margins and returns improving?
Cashflow 0
Earnings quality: real cash, not paper profit
Fin. Strength 16
Balance sheet, leverage, solvency risk
Investment 75
Disciplined investing over empire-building
Low Volatility 100
Calm price path (market factor)
Momentum 47
Price trend over the last 3–12 months (market factor)
52W Momentum 59
Distance to the 52-week high (market factor)
Net Issuance 24
Share count: buybacks or dilution?

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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. 49/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
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.
+25.1%
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.
+8.1%
Revenue growth 24 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.
+3.1%
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.
+7.2%
Earnings growth per share plus dividend.
Earnings per share, growth per year+3.3%
Dividend (yield on the price)3.9%
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.3% vs 0%, 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.19% → 37%
Start year 2020 (pandemic)

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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 · 1074 stocks

Beats the industry median on 6/14 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 35 · Bottom 25%
Fair Value upside −5% · Above median
Profitability
Return on equity (TTM) 6% · Below median
Return on assets 0% · Bottom 25%
Net margin (TTM) 33% · Above median
Operating margin (TTM) 40% · Above median
Growth and dividend
Revenue growth 8% · Below median
Dividend yield (TTM) 3.9% · Above median
Balance sheet
Debt / equity 0.41× · Above median

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (TTM) 14.5× · Pricier than median
P/B 0.93× · Cheaper than median
P/S (TTM) 5.06× · Priciest 25%
EV/EBITDA 9.9× · Pricier than median
PEG 0.32× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)27 · sector 12
FUTURE (revenue growth)38 · sector 45
PAST (return on equity)26 · sector 41
HEALTH (low debt)80 · sector 85
DIVIDEND (yield)77 · sector 53

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
DBS Group D05 77.80 SGD 40.48 SGD −48%
China Merchants Bank Co 3968 HK$51.65 HK$64.29 +24%
Intesa Sanpaolo S.p.A ISP €6.73 €4.04 −40%
HDFC Bank Limited HDFCBANK ₹738.60 ₹418.52 −43%
BNP Paribas SA BNP €101.30 €105.99 +5%
UniCredit S.p.A UCG €83.28 €77.62 −7%
Mizuho Financial Group MFG $10.87 $6.75 −38%
ICICI Bank Limited ICICIBANK ₹1,340 ₹636.31 −53%
The PNC Financial Services Group PNC $227.96 $159.52 −30%
Oversea-Chinese Banking Corporation O39 32.14 SGD 19.80 SGD −38%

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Far Eastern International Bank · Fair Value
12.70 TWD −5%Fair Value
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Cite: Fair Value Calculator (2026). "Far Eastern International Bank Fair Value". https://www.fairvalue-calculator.com/stock/2845

Frequently asked questions

Is Far Eastern International Bank (2845) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of 12.70 TWD versus a price of 13.30 TWD, about −5% upside (fairly valued).
What is the fair value of 2845?
Our model-based fair value for Far Eastern International Bank is 12.70 TWD (as of Sep 24, 2026), built from audited fundamentals. The current price: 13.30 TWD.
What is the quality score of 2845?
Far Eastern International Bank has a Quality Score of 36/100. 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 Far Eastern International Bank (2845)?
Our model-based price target is the fair value of 12.70 TWD (as of Sep 24, 2026) from 4 valuation models. Cautious scenario 9.53 TWD, optimistic scenario 15.88 TWD. It is a calculation from audited fundamentals, not an analyst target.
What is the Far Eastern International Bank stock forecast for 2026?
Our models put fair value at 12.70 TWD, about −5% upside versus a price of 13.30 TWD (fairly valued). Cautious scenario 9.53 TWD, optimistic scenario 15.88 TWD. The calculation is refreshed regularly with new filings.
What is the revenue of Far Eastern International Bank (2845)?
Far Eastern International Bank reported trailing-twelve-month revenue of about 12.8B TWD (latest available figure, as of Sep 24, 2026).
Does Far Eastern International Bank pay a dividend?
Far Eastern International Bank currently shows a dividend yield of about 3.86% relative to its recent price (as of Sep 24, 2026).
What is the intrinsic value of Far Eastern International Bank (2845)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Far Eastern International Bank it is 12.70 TWD per share (as of Sep 24, 2026), against a price of 13.30 TWD. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is Far Eastern International Bank stock overvalued or undervalued in 2026?
As of Sep 24, 2026, 2845 trades above its calculated fair value: price 13.30 TWD, fair value 12.70 TWD, a gap of about −5% (fairly valued). 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 2845?
No. The price is what the market pays today (13.30 TWD); the fair value is what the company's own numbers justify (12.70 TWD). For Far Eastern International Bank the two are 0.6000 TWD per share apart. That gap is exactly why we show both numbers side by side.
How much is Far Eastern International Bank worth?
The market values Far Eastern International Bank at about 65.0B TWD (market capitalisation, as of Sep 24, 2026). Per share that is 13.30 TWD; our models calculate a fair value of 12.70 TWD per share.
What do the bullish and bearish scenarios say about 2845?
Our models span a range for Far Eastern International Bank: cautious scenario 9.53 TWD, base 12.70 TWD, optimistic 15.88 TWD per share (as of Sep 24, 2026, price 13.30 TWD). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 2845?
Far Eastern International Bank trades at a price-to-earnings ratio of 14.5 (as of Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 12.70 TWD is built from several models across several years. Other multiples: PEG 0.3, P/B 0.9, P/S 5.1, EV/EBITDA 9.9.
What is the PEG ratio of 2845?
The PEG ratio of Far Eastern International Bank is 0.32 (P/E divided by earnings growth, as of Sep 24, 2026). That is below 1, so growth is priced more cheaply than the earnings multiple alone suggests.
How solid is the balance sheet of Far Eastern International Bank (2845)?
Balance-sheet figures for Far Eastern International Bank (as of Sep 24, 2026): return on equity 6.4%, debt of 0.41 per unit of equity. They feed the Quality Score of 36/100, which measures business quality independently of the share price.
How far is 2845 from its 52-week high?
Far Eastern International Bank trades at 13.30 TWD, about 3% below its 52-week high of 13.75 TWD and 12% above the low of 11.85 TWD (as of Sep 24, 2026). Distance from the high says nothing about value: that is what the fair value of 12.70 TWD is for.
Which stocks are comparable to Far Eastern International 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 Far Eastern International Bank stock attractive at the current price?
The data as of Sep 24, 2026: price 13.30 TWD, calculated fair value 12.70 TWD (−5%), Quality Score 36/100, from 4 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 2845 calculated?
We run Far Eastern International Bank through 4 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 12.70 TWD, 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 14.1 % above its aggregate fair value. Far Eastern International 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 Far Eastern International Bank (2845)?
The closing price on Sep 24, 2026 was 13.30 TWD. Our model-based fair value is 12.70 TWD, about −5% upside (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Far Eastern International Bank right now?
The price sits close to our fair value, market and models broadly agree here, little valuation tension. 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 Far Eastern International Bank (2845) come from?
Earnings per share at Far Eastern International Bank grew +0.6 % a year from 2014 to 2025. Broken into its drivers: revenue per share +1.9 %, EBIT margin −1.7 %, tax rate +0.5 %, 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 Far Eastern International Bank

How large is the market capitalisation of Far Eastern International Bank (2845)?
The market capitalisation of Far Eastern International Bank is 65.0B TWD (≈ $2.0B). 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 Far Eastern International Bank (2845)?
The price-to-sales ratio of Far Eastern International Bank is 4.78 (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 Far Eastern International Bank (2845)?
Earnings per share at Far Eastern International Bank are 0.9200 TWD (price ÷ EPS = P/E 14.5). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Far Eastern International Bank (2845)?
The dividend yield of Far Eastern International Bank is 3.9% (payout 55.9%). 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 Far Eastern International Bank (2845)?
The net margin of Far Eastern International Bank is 33.1% (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 Far Eastern International Bank (2845)?
The return on equity (ROE) of Far Eastern International Bank is 6.4% (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 Far Eastern International Bank (2845)?
On an EBIT basis the return on assets of Far Eastern International Bank is 0.5% (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 Far Eastern International Bank (2845)?
The operating margin of Far Eastern International Bank is 40.2% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Far Eastern International Bank (2845)?
Revenue at Far Eastern International Bank is growing +7.5% versus a year earlier (3y avg −9.3%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How much free cash flow does Far Eastern International Bank (2845) generate?
The free cash flow of Far Eastern International Bank is −7.2B 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 cash does Far Eastern International Bank (2845) hold?
Far Eastern International Bank holds more cash than debt, 7.6B TWD net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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