Taipei Star Bank (5863) fair value: what the stock is really worth
As of Sep 24, 2026: fair value of Taipei Star Bank TWD 12.53, price TWD 11.45, upside +9.4%, quality 42 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 7.63 TWD – 13.46 TWD · fair‑value band 9.40 TWD – 15.66 TWD · the 11.45 TWD price screens below the 12.53 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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Taipei Star Bank provides various banking products and services in Taiwan.
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Taipei Star Bank provides various banking products and services in Taiwan. It offers demand and time deposits, current accounts, and fixed deposits, as well as cash, travel checks, and remittance services; revolving credit and house financing; and wealth management services, such as mutual funds, gold passbook, and insurance solutions, as well as eBanking services. The company was formerly known as Bank of Taipei, Ltd. and changed its name to Taipei Star Bank in May 2016. Taipei Star Bank was founded in 1917 and is headquartered in Taipei, Taiwan.
Stock analysis
Taipei Star Bank (5863) currently trades at 11.45 TWD, while our model-based Fair Value estimate is 12.53 TWD, implying the stock looks roughly 8.6% fairly valued today.
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Valuation
Bull case: the Asset-Based group reads highest at a median of 12.94 TWD per share, and 3 of the 6 models we run sit above the 11.45 TWD price.
Bear case: the Dividend Discount group reads lowest at 4.06 TWD, and 3 of the 6 models stay below the price. Evidence for this calculation is low.
Scenario range: 9.40 TWD (bear) to 15.66 TWD (bull), the price of 11.45 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 42/100 (below-average quality), in the Financial Services sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Taipei Star Bank reported revenue of 1.3B TWD in FY2025 versus 1.2B TWD in FY2021, a compound +3.1%/yr. Reported net income was 267M TWD in FY2025, compounding +4.9%/yr from FY2021.
Key figures
Market cap 3.7B TWD (≈ $115M) · P/E ratio 13.8 · P/S ratio 2.75 · EPS (TTM) 0.8300 TWD · Dividend yield 3.5% · Net margin 19.9% · Return on equity 2.9% · Return on assets (EBIT) 0.2%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 38 out of 100 (medium confidence).
What moves the price
The share trades about 1% below its 52-week high and 14% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −37% fair-value upside, at 9%, 5863 screens cheaper than that median.
Fair Value models
Bear 9.40 TWDFair Value 12.53 TWDBull 15.66 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 (0.3157 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.
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.37/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+13.5%
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.
+4.8%
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.
+3.0%
Start year 2020 (pandemic)
Revenue growth 6 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.
+3.5%
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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.
+7.8%
Earnings growth per share plus dividend.
Earnings per share, growth per year+4.3%
Dividend (yield on the price)3.5%
Profit margin 2019 to 2024 ⓘ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.22% → 15%
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 4/11 measures
Overall it trails its industry peers.
Valuation
Quality Score42 · Bottom 25%
Fair Value upside+9% · Above median
Profitability
Return on equity (TTM)3% · Bottom 25%
Return on assets0% · Bottom 25%
Net margin (TTM)13% · Bottom 25%
Operating margin (TTM)21% · Bottom 25%
Growth and dividend
Revenue growth−11% · Bottom 25%
Dividend yield (TTM)3.5% · Above median
Valuation Multiplesvs Banks - Regional median · lower = cheaper
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). "Taipei Star Bank Fair Value". https://www.fairvalue-calculator.com/stock/5863
Frequently asked questions
Is Taipei Star Bank (5863) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of 12.53 TWD versus a price of 11.45 TWD, about +9% upside (fairly valued).
What is the fair value of 5863?
Our model-based fair value for Taipei Star Bank is 12.53 TWD (as of Sep 24, 2026), built from audited fundamentals. The current price: 11.45 TWD.
What is the quality score of 5863?
Taipei Star Bank has a Quality Score of 42/100. 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 Taipei Star Bank (5863)?
Our model-based price target is the fair value of 12.53 TWD (as of Sep 24, 2026) from 6 valuation models. Cautious scenario 9.40 TWD, optimistic scenario 15.66 TWD. It is a calculation from audited fundamentals, not an analyst target.
What is the Taipei Star Bank stock forecast for 2026?
Our models put fair value at 12.53 TWD, about +9% upside versus a price of 11.45 TWD (fairly valued). Cautious scenario 9.40 TWD, optimistic scenario 15.66 TWD. The calculation is refreshed regularly with new filings.
What is the revenue of Taipei Star Bank (5863)?
Taipei Star Bank reported trailing-twelve-month revenue of about 1.4B TWD (latest available figure, as of Sep 24, 2026).
Does Taipei Star Bank pay a dividend?
Taipei Star Bank currently shows a dividend yield of about 3.49% relative to its recent price (as of Sep 24, 2026).
What is the intrinsic value of Taipei Star Bank (5863)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Taipei Star Bank it is 12.53 TWD per share (as of Sep 24, 2026), against a price of 11.45 TWD. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Taipei Star Bank stock overvalued or undervalued in 2026?
As of Sep 24, 2026, 5863 trades below its calculated fair value: price 11.45 TWD, fair value 12.53 TWD, a gap of about +9% (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 5863?
No. The price is what the market pays today (11.45 TWD); the fair value is what the company's own numbers justify (12.53 TWD). For Taipei Star Bank the two are 1.08 TWD per share apart. That gap is exactly why we show both numbers side by side.
How much is Taipei Star Bank worth?
The market values Taipei Star Bank at about 3.7B TWD (market capitalisation, as of Sep 24, 2026). Per share that is 11.45 TWD; our models calculate a fair value of 12.53 TWD per share.
What do the bullish and bearish scenarios say about 5863?
Our models span a range for Taipei Star Bank: cautious scenario 9.40 TWD, base 12.53 TWD, optimistic 15.66 TWD per share (as of Sep 24, 2026, price 11.45 TWD). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 5863?
Taipei Star Bank trades at a price-to-earnings ratio of 13.8 (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 12.53 TWD is built from several models across several years. Other multiples: P/B 0.6, P/S 2.7.
How solid is the balance sheet of Taipei Star Bank (5863)?
Balance-sheet figures for Taipei Star Bank (as of Sep 24, 2026): return on equity 2.9%. They feed the Quality Score of 42/100, which measures business quality independently of the share price.
How far is 5863 from its 52-week high?
Taipei Star Bank trades at 11.45 TWD, about 1% below its 52-week high of 11.60 TWD and 14% above the low of 10.06 TWD (as of Sep 24, 2026). Distance from the high says nothing about value: that is what the fair value of 12.53 TWD is for.
Which stocks are comparable to Taipei Star 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 Taipei Star Bank stock attractive at the current price?
The data as of Sep 24, 2026: price 11.45 TWD, calculated fair value 12.53 TWD (+9%), Quality Score 42/100, 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 5863 calculated?
We run Taipei Star 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 12.53 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 13.0 % above its aggregate fair value. Taipei Star Bank currently trades 9 % below its own fair value, and the market average says nothing about that. 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 Taipei Star Bank (5863)?
The closing price on Sep 24, 2026 was 11.45 TWD. Our model-based fair value is 12.53 TWD, about +9% upside (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Taipei Star 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.
Key figures of Taipei Star Bank
How large is the market capitalisation of Taipei Star Bank (5863)?
The market capitalisation of Taipei Star Bank is 3.7B TWD (≈ $115M). 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 Taipei Star Bank (5863)?
The price-to-sales ratio of Taipei Star Bank is 2.75 (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 Taipei Star Bank (5863)?
Earnings per share at Taipei Star Bank are 0.8300 TWD (price ÷ EPS = P/E 13.8). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Taipei Star Bank (5863)?
The dividend yield of Taipei Star Bank is 3.5% (payout 48.2%). 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 Taipei Star Bank (5863)?
The net margin of Taipei Star Bank is 19.9% (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 Taipei Star Bank (5863)?
The return on equity (ROE) of Taipei Star Bank is 2.9% (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 Taipei Star Bank (5863)?
On an EBIT basis the return on assets of Taipei Star Bank is 0.2% (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 Taipei Star Bank (5863)?
The operating margin of Taipei Star Bank is 20.8% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Taipei Star Bank (5863)?
Revenue at Taipei Star Bank is growing −10.8% versus a year earlier (3y avg +4.8%). 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 Taipei Star Bank (5863)?
Earnings per share at Taipei Star Bank are growing −57.4% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Taipei Star Bank (5863) generate?
The free cash flow of Taipei Star Bank is −447M 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 Taipei Star Bank (5863) hold?
Taipei Star Bank holds more cash than debt, 6.2B TWD net (fiscal year 2024). The company holds more cash than debt, a safety cushion.
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