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Kiatnakin Bank Public Company. Ltd (KNFSF) fair value: what the stock is really worth

As of Sep 18, 2026: fair value of Kiatnakin Bank Public Company. Ltd $2.00, price $1.32, upside +51.5%, quality 70 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? Yes
  2. Good quality? Yes
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Financial Services · US

KB Kiatnakin Bank Public Company. Ltd logo Some data Sep 24, 2026

Kiatnakin Bank Public Company. Ltd

KNFSF · US

Clearly undervaluedStrong Fair Value upside, but quality is only moderate.

✓Fair value $2.00 · Strongly undervalued (+52%)
✓Quality 70/100
!Weak Growth (revenue 5y +4.1 %/yr)
✓Highly profitable · 30.3% net margin (TTM)
✓Low debt · generates free cash flow
·9.10% dividend yield
✓Ranks above peers (12/13)
✓Wide moat 66/100
!Evidence only medium, so the estimate is less certain
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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

$1.32 $0.9008 Fair Value $2.00 May 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 $0.9008 – $1.32 · fair‑value band $1.50 – $2.49 · the $1.32 price screens below the $2.00 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

Kiatnakin Phatra Bank Public Company Limited, together with its subsidiaries, provides various banking products and services for individual, business, corporate, and institution clients in Thailand. It operates through Commercial Banking Business, Capital Market Business, and Debt Restructuring segments.

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Kiatnakin Phatra Bank Public Company Limited, together with its subsidiaries, provides various banking products and services for individual, business, corporate, and institution clients in Thailand. It operates through Commercial Banking Business, Capital Market Business, and Debt Restructuring segments. The company offers savings and current accounts, and fixed and foreign currency deposits; auto, personal, and home loans; life, health, and other insurance products; wealth invest link products; debit cards; digital banking, foreign exchange, and other services; and investment products. It also provides business banking products, including welfare packages; asset services; and real estate, apartment and hotel, and specialized industrial lending services. In addition, the company offers SME business loans; letters of guarantee; and car auction, PromptPay for legal entities, collection, payment, payroll, e-withholding tax, and other e-banking services. The company was formerly known as Kiatnakin Bank Public Company Limited and changed its name to Kiatnakin Phatra Bank Public Company Limited in August 2020. Kiatnakin Phatra Bank Public Company Limited was founded in 1971 and is headquartered in Bangkok, Thailand.

Stock analysis

Kiatnakin Bank Public Company. Ltd (KNFSF) currently trades at $1.32, while our model-based Fair Value estimate is $2.00, implying the stock looks roughly 34.0% undervalued today.

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Valuation

How firm this estimate is: it rests on 15 models at a data quality of 95/100, which puts the evidence level at medium.

Scenario range: $1.50 (bear) to $2.49 (bull), the price of $1.32 sits below 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 70/100 (solid quality), in the Financial Services sector.

Weak Growth: Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.

Kiatnakin Bank Public Company. Ltd reported revenue of 24.8B THB in FY2025 versus 22.7B THB in FY2021, a compound +2.2%/yr. Reported net income was 5.9B THB in FY2025, compounding −1.6%/yr from FY2021.

Key figures

Market cap $1.6B · P/E ratio 8.3 · P/S ratio 1.97 · EPS (TTM) $0.1600 · Dividend yield 9.1% · Net margin 23.8% · Return on equity 10.4% · Return on assets 1.4%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 46 out of 100 (low confidence).

What moves the price

The share trades at its 52-week high and 23% 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 52%, KNFSF screens cheaper than that median.

Fair Value models

Bear $1.50 Fair Value $2.00 Bull $2.49
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.
Highest evidence
Residual Income $42.98 $45.87 $50.80 71
P/E Multiple $47.16 $62.88 $78.60 63
P/B Multiple $56.01 $74.67 $93.34 55
All 4 models by family
Multiples
P/E Multiple $47.16 $62.88 $78.60 63
P/B Multiple $56.01 $74.67 $93.34 55
Asset-Based
NCAV (Graham) $26.67 $35.74 $53.34 54
Economic Profit
Residual Income $42.98 $45.87 $50.80 71

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Quality Score breakdown

Overall quality 70/100

Of which business quality 60 · Market factors (momentum, volatility) 78

Profitability 41
Margins and returns on capital today
Quality Growth 45
Are margins and returns improving?
Cashflow 100
Earnings quality: real cash, not paper profit
Fin. Strength 3
Balance sheet, leverage, solvency risk
Investment 93
Disciplined investing over empire-building
Low Volatility 100
Calm price path (market factor)
Momentum 60
Price trend over the last 3–12 months (market factor)
52W Momentum 82
Distance to the 52-week high (market factor)
Net Issuance 99
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. 40/100
Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Revenue growth 1 year
+4.8%
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.
−2.5%
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.
+4.1%
Start year 2020 (pandemic)
What shareholders gained per year (last 5 years), in THB ⓘ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 THB: 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.
+10.6%
Earnings growth per share plus dividend.
Earnings per share, growth per year+1.5%
Dividend (yield on the price)9.1%

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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 12/13 measures
Overall it ranks above its industry peers.
Valuation
Quality Score 65 · Top 25%
Fair Value upside +52% · Top 25%
Profitability
Return on equity (TTM) 10% · Above median
Return on assets 1% · Top 25%
Net margin (TTM) 30% · Above median
Operating margin (TTM) 49% · Above median
Growth and dividend
Revenue growth 18% · Top 25%
Dividend yield (TTM) 9.1% · Top 25%
Balance sheet
Debt / equity 0.43× · Above median

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (TTM) 8.3× · Cheapest 25%
P/B 0.82× · Cheaper than median
P/S (TTM) 2.40× · Cheaper than median
P/FCF 0.1× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)100 · sector 11
FUTURE (revenue growth)92 · sector 45
PAST (return on equity)41 · sector 41
HEALTH (low debt)78 · sector 85
DIVIDEND (yield)100 · 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 77.69 SGD 40.48 SGD −48%
China Merchants Bank Co 3968 HK$51.25 HK$62.30 +22%
Intesa Sanpaolo S.p.A ISP €6.73 €4.04 −40%
HDFC Bank Limited HDFCBANK ₹737.25 ₹406.85 −45%
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 ₹616.16 −54%
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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Kiatnakin Bank Public Company. Ltd · Fair Value
$2.00 +34%Fair Value
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Cite: Fair Value Calculator (2026). "Kiatnakin Bank Public Company. Ltd Fair Value". https://www.fairvalue-calculator.com/stock/KNFSF

Frequently asked questions

Is Kiatnakin Bank Public Company. Ltd (KNFSF) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of $2.00 versus a price of $1.32, about +52% upside (undervalued).
What is the fair value of KNFSF?
Our model-based fair value for Kiatnakin Bank Public Company. Ltd is $2.00 (as of Sep 24, 2026), built from audited fundamentals. The current price: $1.32.
What is the quality score of KNFSF?
Kiatnakin Bank Public Company. Ltd has a Quality Score of 70/100. 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 Kiatnakin Bank Public Company. Ltd (KNFSF)?
Our model-based price target is the fair value of $2.00 (as of Sep 24, 2026) from 4 valuation models. Cautious scenario $1.50, optimistic scenario $2.49. It is a calculation from audited fundamentals, not an analyst target.
What is the Kiatnakin Bank Public Company. Ltd stock forecast for 2026?
Our models put fair value at $2.00, about +52% upside versus a price of $1.32 (undervalued). Cautious scenario $1.50, optimistic scenario $2.49. The calculation is refreshed regularly with new filings.
What is the revenue of Kiatnakin Bank Public Company. Ltd (KNFSF)?
Kiatnakin Bank Public Company. Ltd reported trailing-twelve-month revenue of about 22.5B THB (latest available figure, as of Sep 24, 2026).
Does Kiatnakin Bank Public Company. Ltd pay a dividend?
Kiatnakin Bank Public Company. Ltd currently shows a dividend yield of about 9.10% relative to its recent price (as of Sep 24, 2026).
What is the intrinsic value of Kiatnakin Bank Public Company. Ltd (KNFSF)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Kiatnakin Bank Public Company. Ltd it is $2.00 per share (as of Sep 24, 2026), against a price of $1.32. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is Kiatnakin Bank Public Company. Ltd stock overvalued or undervalued in 2026?
As of Sep 24, 2026, KNFSF trades below its calculated fair value: price $1.32, fair value $2.00, a gap of about +52% (undervalued). 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 KNFSF?
No. The price is what the market pays today ($1.32); the fair value is what the company's own numbers justify ($2.00). For Kiatnakin Bank Public Company. Ltd the two are $0.6800 per share apart. That gap is exactly why we show both numbers side by side.
How much is Kiatnakin Bank Public Company. Ltd worth?
The market values Kiatnakin Bank Public Company. Ltd at about $1.6B (market capitalisation, as of Sep 24, 2026). Per share that is $1.32; our models calculate a fair value of $2.00 per share.
What do the bullish and bearish scenarios say about KNFSF?
Our models span a range for Kiatnakin Bank Public Company. Ltd: cautious scenario $1.50, base $2.00, optimistic $2.49 per share (as of Sep 24, 2026, price $1.32). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of KNFSF?
Kiatnakin Bank Public Company. Ltd trades at a price-to-earnings ratio of 8.3 (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 $2.00 is built from several models across several years. Other multiples: P/B 0.8, P/S 2.4.
How solid is the balance sheet of Kiatnakin Bank Public Company. Ltd (KNFSF)?
Balance-sheet figures for Kiatnakin Bank Public Company. Ltd (as of Sep 24, 2026): return on equity 10.4%, debt of 0.43 per unit of equity. They feed the Quality Score of 70/100, which measures business quality independently of the share price.
How far is KNFSF from its 52-week high?
Kiatnakin Bank Public Company. Ltd trades at $1.32, at its 52-week high of $1.32 and 23% above the low of $1.07 (as of Sep 18, 2026). Distance from the high says nothing about value: that is what the fair value of $2.00 is for.
Which stocks are comparable to Kiatnakin Bank Public Company. Ltd?
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 Kiatnakin Bank Public Company. Ltd stock attractive at the current price?
The data as of Sep 24, 2026: price $1.32, calculated fair value $2.00 (+52%), Quality Score 70/100, 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 KNFSF calculated?
We run Kiatnakin Bank Public Company. Ltd 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 $2.00, 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. Kiatnakin Bank Public Company. Ltd currently trades 52 % 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 Kiatnakin Bank Public Company. Ltd (KNFSF)?
The closing price on Sep 18, 2026 was $1.32. Our model-based fair value is $2.00, about +52% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Kiatnakin Bank Public Company. Ltd right now?
The rarer combination: high quality (70/100) AND below fair value. That earns a closer look rather than a quick verdict. The price is below even our cautious bear case ($1.50). The market is more pessimistic than our downside scenario. 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 Kiatnakin Bank Public Company. Ltd

How large is the market capitalisation of Kiatnakin Bank Public Company. Ltd (KNFSF)?
The market capitalisation of Kiatnakin Bank Public Company. Ltd is $1.6B. 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 Kiatnakin Bank Public Company. Ltd (KNFSF)?
The price-to-sales ratio of Kiatnakin Bank Public Company. Ltd is 1.97 (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 Kiatnakin Bank Public Company. Ltd (KNFSF)?
Earnings per share at Kiatnakin Bank Public Company. Ltd are $0.1600 (price ÷ EPS = P/E 8.3). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Kiatnakin Bank Public Company. Ltd (KNFSF)?
The dividend yield of Kiatnakin Bank Public Company. Ltd is 9.1% (payout 75.1%). 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 Kiatnakin Bank Public Company. Ltd (KNFSF)?
The net margin of Kiatnakin Bank Public Company. Ltd is 23.8% (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 Kiatnakin Bank Public Company. Ltd (KNFSF)?
The return on equity (ROE) of Kiatnakin Bank Public Company. Ltd is 10.4% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the return on assets of Kiatnakin Bank Public Company. Ltd (KNFSF)?
The return on assets (ROA) of Kiatnakin Bank Public Company. Ltd is 1.4% (last twelve months). Profit relative to everything the company owns. Harder to inflate than return on equity because debt does not boost it.
What is the operating margin of Kiatnakin Bank Public Company. Ltd (KNFSF)?
The operating margin of Kiatnakin Bank Public Company. Ltd is 48.8% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Kiatnakin Bank Public Company. Ltd (KNFSF)?
Revenue at Kiatnakin Bank Public Company. Ltd is growing +18.3% versus a year earlier (3y avg −2.5%). 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 Kiatnakin Bank Public Company. Ltd (KNFSF)?
Earnings per share at Kiatnakin Bank Public Company. Ltd are growing +87.5% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Kiatnakin Bank Public Company. Ltd (KNFSF) generate?
The free cash flow of Kiatnakin Bank Public Company. Ltd is 23.0B THB (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 Kiatnakin Bank Public Company. Ltd (KNFSF) carry?
The net debt of Kiatnakin Bank Public Company. Ltd is 23.8B THB (fiscal year 2025, ≈ 1.0 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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