Far Eastern International Bank Ltd (2845) Fair Value & Analysis

Financial Services · TW · Market cap 65.0B TWD

Below-average quality, and screening another 16% overvalued on our models.

What matters now

• Weak quality (36/100) 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.

Price vs Fair Value (5 years)

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 23, 2026.

How to read this chart

60‑month range 9.32 TWD – 17.40 TWD · fair‑value band 8.36 TWD – 13.93 TWD · the 13.20 TWD price screens above the 11.15 TWD fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 23, 2026.

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Analysis

Far Eastern International Bank Ltd (2845) currently trades at 13.20 TWD, while our model-based Fair Value estimate is 11.15 TWD, implying the stock looks roughly 15.5% overvalued today. The Quality Score stands at 36/100 (below-average quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: medium).

Over the trailing twelve months, Far Eastern International Bank Ltd generated revenue of 12.8B TWD at a net margin of 33.4%. Revenue grew 7.5% year over year. It earns a return on equity of 6.4%. The balance sheet holds a net cash position of 7.6B TWD. Fundamentals as of Jul 23, 2026

Our scenario range runs from 8.36 TWD (bear case) to 13.93 TWD (bull case); at 13.20 TWD, the current price sits within that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 6% below its 52-week high and 11% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 42% fair-value upside, at -16%, 2845 screens richer than that median.

Fair Value models

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.

Widest divergence: Economic Profit (11.66 TWD) versus Asset-Based (9.62 TWD). Highest evidence: Residual Income (76).

Key figures & financial health

Quality Score breakdown

About the company

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.

Full company description

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.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

Far Eastern International Bank Ltd 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.

2845 screens 16% overvalued. Compare with PT Bank Central Asia Tbk →

Peer Group

Banks - Regional · 1083 stocks

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.

Valuation Multiples vs Banks - Regional median · lower = cheaper

Snowflake

Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.

Values & ESG

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

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

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Frequently asked questions

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.