Chang Hwa Commercial Bank

TAI:2801 · TW0002801008

BanksMedium

360

Medium confidence — indicative

Value42

Profit price26

Cash yield1

Sales & asset price28

Price/Sales17

EV / Gross Profit27

Price/Book40

Quality16

Returns on capital56

Profit margins—

Cash backing39

Cash Conversion7

Accruals17

Owner Earnings Margin93

Growth51

Sales growth69

Profit growth80

Profit Growth63

Owner Earnings Growth97

Reinvestment85

Price momentum51

Safety76

Debt load43

Debt serviceability66

Liquidity31

Sentiment40

Analyst ratings—

Expectations trend—

Market mood42

Value Creation13/20creating some value

Creates more value than its capital costs
Owner earnings growing
Owner earnings per share growing
Reinvests at strong returns
Solid earnings base

What this means

Chang Hwa Commercial Bank clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Based on 3/5 components.

Profile

CountryTaiwan

IndustryBanks

SizeMedium

TypePublic Company

ExchangeTWSE

Founded1947

Employees4

Websitebankchb.com/frontend/index.jsp

ISINTW0002801008

Last UpdateApr 2, 2026

Indices

FTSE Taiwan Index (Taiwan)

Themes

Utility Scale SolarEnergy StorageOnshore and Offshore WindConventional NuclearBankingFinanceFinancial Services

Description

Chang Hwa Commercial Bank, Ltd., together with its subsidiaries, provides commercial banking products and services in Taiwan and internationally. The company offers demand, checking account, negotiable certificates of deposit, savings account, time…

Analysis

Weak and unloved

Chang Hwa Commercial Bank, Ltd. scores below average on quality and is priced accordingly, a low-conviction position in either direction.

On valuation, the picture is attractive. The owner-earnings multiple stands at 13.5×; owner earnings: the cash an owner could take out each year.

Growth is moderate; the safety picture is sturdy. The company scores 13/20 on our value-creation score: creating some value. Analyst sentiment is cautious.

Flags to be aware of: Some accounting patterns deserve a closer look. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250

20232026

All-time high

Mar 2026

All-time low

Jun 2026

Average rank

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023

Price/Sales

—

Price/Earnings

—

Price/Book

—

Dividend Yield

—

Value (overall)

—

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View

1 · Watch OutGood· 100

Value

1 · ExpensiveGood Value· 100

Quality

1 · Weak FundamentalsHigh Quality· 100

Growth

1 · Tough TimesHigh Growth· 100

Safety

1 · High LeverageWell-Financed· 100

Sentiment

1 · SkepticismPositive· 100

Learn More →