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Taichung Commercial Bank Co Ltd

2812 · TW · Financial Services / Banks - Regional

17.45TWD+0.10 (+0.58%)

Price History

Full chart

Market Stats

Previous Close17.35
Open17.35
Day Range17.25 – 17.55
52-Week Range18.10 – 22.60
Volume6.67M
Market Cap120.79B
P/E (TTM)11.90
Forward P/E6.31
EPS1.58
Dividend Yield2.07%
Beta0.09
50-Day Avg19.07
200-Day Avg18.98

About

Taichung Commercial Bank Co., Ltd., together with its subsidiaries, provides various banking products and services in Taiwan, rest of Asia, and America. The company offers various deposit products, such as savings accounts and time deposit accounts, as well as ATM card services; and foreign currency services, including foreign currency demand deposits, cash, travel checks, and remittances. It also provides corporate finance services comprising corporate loans; trade services, such as letter of credit, collections, factoring, and forfaiting; corporate cash flow services, including account information, deposits, payments, and accounts receivable financing; and financial hedging services, such as hedging strategies, financial instruments, and consultation services. In addition, the company offers personal mortgage loans comprising house mortgage and renovations, children's education funds, business start-up capital, investments, and financial management services; wealth management services, including financial advice and asset allocation, customized consultation services, family and retirement needs, and trust planning services; credit cards; and digital banking services, such as online and mobile banking, and mobile payment services. Further, it engages in insurance brokerage, securities, financial leasing and investment, and venture capital businesses. The company was formerly known as Taichung Small and Medium Business Bank Company Limited and changed its name to Taichung Commercial Bank Co., Ltd. in December 1998. Taichung Commercial Bank Co., Ltd. was founded in 1952 and is headquartered in Taichung, Taiwan.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Yi-Yuan Tung
  • Employees0
  • HeadquartersNo. 87, Min Chuan Rd, Taichung, Taiwan, 40341, Taiwan
  • Websitehttps://www.tcbbank.com.tw

Leadership

  • Mr. Yi-Yuan TungPresident & Director
  • Mr. Chin-Ming LiaoDeputy Executive Vice President of Accounting Department & Accounting Supervisor
  • Mr. Yu-Hsien ShenDeputy Executive Vice President of Corporate Finance Department
  • Ms. Erhchia YuanClerk
  • Mr. Chien-Hung LinChief Compliance Officer of Head Institution
  • Mr. Yi-Pin LinDeputy Executive Vice President of Legal & Compliance Department
  • Mr. Kai-Yu LinSenior EVP, Deputy EVP, Office of the Board of Directors & Senior Manager of Corporate Governance
  • Mr. Kuei-Fong WangMD & Director
  • Mr. Chun-Yin WangExecutive Vice President
  • Mr. Chun-Sheng LinExecutive VP & Chief of Information security Officer

Financials

Income Statement

Currency: TWD2005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue8.68B3.20B9.56B9.78B6.96B6.78B8.09B10.45B12.87B15.02B14.29B15.16B16.14B16.34B17.18B15.51B16.70B19.84B27.43B32.26B34.76B
Growth (%)--63.11%+198.62%+2.28%-28.83%-2.64%+19.34%+29.23%+23.13%+16.69%-4.84%+6.06%+6.52%+1.21%+5.11%-9.72%+7.68%+18.86%+38.20%+17.62%+7.75%
Cost of Revenue-3.27B3.46B3.90B2.37B1.73B2.47B3.13B3.61B3.95B4.12B3.69B3.89B4.63B5.08B3.85B2.97B4.81B9.93B12.95B14.12B
Gross Profit--70.50M6.10B5.88B4.59B5.05B5.62B7.32B9.26B11.06B10.17B11.47B12.25B11.71B12.09B11.66B13.73B15.03B17.50B19.31B20.64B
Gross Margin--2.20%63.81%60.11%65.96%74.52%69.44%70.03%71.97%73.67%71.19%75.68%75.89%71.69%70.40%75.17%82.22%75.76%63.81%59.86%59.39%
Operating Expense-5.67B3.97B5.59B4.25B4.17B3.68B3.96B5.72B6.84B6.04B7.33B7.90B6.95B6.89B6.90B8.16B8.43B9.27B9.41B9.78B
Operating Income3.00B-5.74B2.13B285.97M336.15M875.99M1.93B3.36B3.54B4.22B4.14B4.14B4.36B4.76B5.21B4.76B5.57B6.60B8.23B9.90B10.86B
Operating Margin34.52%-179.20%22.30%2.92%4.83%12.93%23.91%32.11%27.49%28.12%28.95%27.34%26.98%29.13%30.32%30.69%33.36%33.26%30.02%30.70%31.26%
EBITDA--5.55B2.31B446.42M504.05M1.04B2.07B3.52B3.72B4.41B4.34B4.40B4.64B5.03B5.69B5.25B6.07B7.04B8.71B10.42B11.45B
EBITDA Margin--173.26%24.16%4.56%7.24%15.28%25.66%33.69%28.93%29.37%30.39%29.02%28.76%30.80%33.12%33.85%36.34%35.47%31.76%32.32%32.93%
Net Income--4.70B1.78B205.53M18.99M411.96M1.45B2.80B3.06B3.74B3.48B3.51B3.63B4.01B4.32B4.03B4.80B5.34B6.82B8.29B9.06B
Net Income Margin--146.87%18.58%2.10%0.27%6.08%17.98%26.83%23.78%24.90%24.33%23.19%22.50%24.53%25.15%25.96%28.73%26.93%24.87%25.71%26.06%
Interest Expense03.27B3.46B3.90B2.37B1.73B2.47B3.13B3.61B3.95B4.12B3.69B3.89B4.63B5.08B3.85B2.97B4.81B9.93B12.95B14.12B
Interest Expense % of Total Revenue0.00%102.20%36.19%39.89%34.04%25.48%30.56%29.97%28.03%26.33%28.81%24.32%24.11%28.31%29.60%24.83%17.78%24.24%36.19%40.14%40.61%

Balance Sheet

Currency: TWD2005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets261.48B259.41B262.58B285.13B309.36B340.26B384.27B444.94B496.24B530.05B575.63B627.10B663.02B690.83B682.69B736.77B772.68B807.96B877.95B972.08B1.01T
Total Liabilities248.45B251.09B246.73B269.62B294.00B320.84B359.02B417.03B465.36B494.29B535.68B585.72B619.62B643.01B631.38B679.45B709.22B738.73B801.43B889.99B922.76B
Total Equity13.03B8.32B15.85B15.50B15.36B19.42B25.25B27.91B30.88B35.76B39.95B41.38B43.40B47.82B51.31B57.32B63.46B69.23B76.51B82.09B91.75B
Cash48.33B54.49B47.91B58.73B68.42B74.23B82.60B76.92B78.94B87.12B93.57B99.90B44.69B47.64B45.24B52.08B56.16B66.68B70.93B66.08B58.82B
Total Debt--2.40B2.40B10.19B11.54B15.68B19.77B17.34B17.93B17.80B18.94B24.58B20.00B14.90B12.51B17.35B17.35B17.59B14.64B64.36B
Net Debt--54.49B-45.51B-56.33B-58.23B-62.69B-66.93B-57.15B-61.61B-69.19B-75.77B-80.96B-20.11B-27.64B-30.34B-39.57B-38.81B-49.33B-53.34B-51.44B5.54B

Cash Flow

Currency: TWD2006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow714.55M-650.38M3.71B-2.20B1.24B6.85B9.40B-4.29B8.37B17.75B27.88B13.97B8.29B17.39B23.76B-1.12B3.56B26.52B23.96B14.62B
Investing Cash Flow-1.56B-8.46B-22.73B-24.57B-30.91B-41.97B-14.16B5.47B-624.04M-11.29B-23.54B-66.02B-11.58B-12.25B-17.46B-6.32B4.24B-27.28B-31.24B-37.66B
Financing Cash Flow1.61B5.12B20.76B25.07B30.10B38.80B2.42B5.36B-1.80B1.86B-2.97B3.92B3.07B-6.40B1.63B8.52B690.42M3.11B-3.65B29.09B
Capital Expenditure62.10M125.96M0120.70M54.52M147.80M211.80M186.81M1.91B4.41B480.18M252.78M338.86M1.48B1.98B1.69B2.79B1.98B1.22B1.96B
Free Cash Flow652.45M-776.33M3.71B-2.32B1.18B6.70B9.19B-4.47B6.46B13.34B27.40B13.71B7.95B15.91B21.79B-2.81B763.54M24.54B22.73B12.66B
Dividends Paid406.00K305.00K521.63M144.05M--111.69M231.87M513.56M712.88M1.59B1.78B1.48B987.14M1.04B996.41M1.13B1.50B2.09B2.15B
FCF to OCF91.31%119.37%100.00%105.48%95.60%97.84%97.75%104.36%77.15%75.13%98.28%98.19%95.91%91.46%91.68%250.89%21.47%92.54%94.89%86.58%
Dividend Paid to FCF0.06%-0.04%14.05%-6.20%--1.22%-5.18%7.95%5.35%5.81%12.99%18.63%6.21%4.77%-35.51%148.60%6.13%9.20%17.00%

Earnings

Report DateSep 2, 2009Dec 2, 2009Mar 3, 2010Jun 2, 2010Sep 1, 2010Dec 1, 2010Mar 28, 2011Jun 1, 2011Aug 31, 2011Nov 30, 2011Feb 29, 2012May 30, 2012Aug 29, 2012Nov 28, 2012Feb 27, 2013May 29, 2013Aug 28, 2013Nov 27, 2013Mar 31, 2014May 28, 2014Aug 14, 2014Nov 13, 2014Mar 27, 2015May 14, 2015Aug 19, 2015Nov 13, 2015Mar 2, 2016May 14, 2016Aug 15, 2016Nov 14, 2016Mar 15, 2017Apr 3, 2017Aug 14, 2017Nov 13, 2017Mar 23, 2018May 14, 2018Aug 15, 2018Nov 13, 2018Mar 14, 2019May 8, 2019Aug 9, 2019Nov 6, 2019Mar 11, 2020Jun 3, 2020Sep 2, 2020Dec 2, 2020Mar 1, 2021May 14, 2021Aug 12, 2021Nov 4, 2021Feb 24, 2022May 5, 2022Aug 15, 2022Nov 9, 2022Feb 24, 2023May 4, 2023Aug 10, 2023Nov 5, 2026
EPS Estimate------0.15-----------0.19-0.210.270.130.440.26---0.170.18-------0.25--------------------
EPS Actual-0.390.080.350.11-0.030.090.150.120.100.080.150.160.140.190.170.190.220.190.110.250.200.210.130.330.190.200.160.190.150.180.230.210.190.230.240.210.240.260.240.230.230.230.260.200.200.240.280.270.260.300.280.280.270.280.290.290.29-
Surprise------0.00%------------42.11%--4.76%-22.22%0.00%-25.00%-26.92%----11.76%0.00%-------4.00%--------------------
Timing------Pre-market-----------After-hours-Pre-marketPre-marketPre-marketPre-marketAfter-hoursPre-market-Pre-marketAfter-hoursAfter-hours-Pre-marketPre-marketAfter-hoursPre-marketAfter-hoursPre-marketPre-marketAfter-hours-----------Pre-marketPre-marketPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hours-

Key Statistics & Ratios

Market Cap120.79B
Enterprise Value104.83B
Trailing P/E11.90
Forward P/E6.31
PEG Ratio0.00
Price / Sales5.54
Price / Book1.28
EPS1.58
Book Value15.95
Revenue (TTM)21.80B
Gross Profit (TTM)21.80B
Profit Margin46.35%
Operating Margin55.58%
Return on Equity11.19%
Return on Assets1.00%
Shares Outstanding6.43B
Shares Float4.16B
Beta0.09
Dividend Yield2.07%
Dividend Rate0.39
Payout Ratio23.04%

Dividends

20231×
0.30Jul 18, 2023
20221×
0.24Jul 19, 2022
20211×
0.22Aug 31, 2021
20201×
0.24Aug 26, 2020
20191×
0.23Aug 27, 2019
20181×
0.35Jul 31, 2018
20171×
0.42Aug 1, 2017
20161×
0.38Aug 24, 2016
20151×
0.18Aug 25, 2015
20141×
0.13Aug 28, 2014
20131×
0.07Sep 11, 2013
20121×
0.03Sep 5, 2012
20091×
0.06Sep 15, 2009
20081×
0.23Oct 3, 2008
20001×
0.26Aug 19, 2000

Stock Splits

  • Jul 18, 2023521:500
  • Nov 1, 2022829:827
  • Jul 19, 202221:20
  • Nov 4, 2021845:843
  • Aug 31, 2021209:200
  • Nov 3, 2020679:677
  • Aug 26, 2020263:250
  • Aug 27, 2019263:250
  • Oct 18, 20181612:1611
  • Jul 31, 201841:40
  • Aug 1, 20171017:1000
  • Aug 24, 20161017:1000
  • Aug 25, 2015133:125
  • Aug 28, 20141282:1211
  • Sep 11, 2013429:400
  • Sep 5, 2012519:500
  • Sep 16, 2011635:634
  • Nov 18, 2010899:894
  • Oct 3, 2008263:250
  • Mar 1, 20071156:2037