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    Major banks
O-Bank Co. Ltd.

O-Bank Co. Ltd.

TTWSE:2897
10.90
TWD
0.00
(0.00%)
1.20EPS
13.43P/E
27.82BMarket Cap
O-Bank Co. Ltd.
TWSE:2897
(Taiwan Stock Exchange)

Recent

price

10.90

P/E

ratio

13.43

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
TWD
2.43
1.58
2.16
2.39
2.95
3
3.2
3.21
3.16
3.45
3.24
3.3
3.14
3.42
3.66
3.76
4.05
Revenue per Share
0.63
0.39
0.02
0.47
0.74
0.72
0.69
0.44
0.39
0.46
0.46
0.67
1.84
0.91
1.04
0.66
0.74
Basic EPS, GAAP
-9.33
-11.51
3.6
-8.7
12.37
-6.42
1.42
4.01
5.32
-1.93
-0.86
-0.61
2.06
2.88
-2.7
0.28
3.14
Free Cash Flow per Basic Share
0.54
0.52
0.2
0.2
0.2
0.4
0.5
0.45
0.3
- -
0.44
0.25
0.35
0.43
0.48
0.54
- -
Dividend per Share
10.85
10.94
10.92
11.18
11.99
12.38
12.25
12.09
11.97
12.49
11.94
12.24
12.72
13.66
14.42
14.99
15.15
Book Value per Share
10.36
10.42
10.43
10.68
11.45
11.8
11.62
11.1
10.96
11.54
11.13
11.53
12.05
13.05
13.79
14.38
14.52
Tangible Book Value per Share
2,399
2,399
2,399
2,396
2,391
2,396
2,399
2,414
2,422
2,413
2,472
2,727
2,731
2,727
2,759
2,784
2,766
Basic Weighted Avg Shares
5,835
3,786
5,186
5,715
7,062
7,190
7,668
7,746
7,663
8,323
8,015
9,001
8,581
9,329
10,103
10,464
11,206
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
177
167
166
174
182
193
217
315
425
618
629
641
623
569
543
474
476
Depreciation Expense
1,509
936
49
1,129
1,769
1,726
1,644
1,072
955
1,100
1,147
1,841
5,034
2,492
2,856
1,831
2,060
Net Income, GAAP
14.2
5.97
35.73
21.43
18.48
18.77
23.32
25.75
27.37
25.13
25.35
24.4
12.22
14.96
22.4
24.15
22.75
Effective Tax Rate (%)
25.87
24.73
0.94
19.75
25.05
24.01
21.44
13.84
12.46
13.22
14.32
20.45
58.67
26.72
28.27
17.5
18.38
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
12,379
8,030
9,680
11,480
14,980
14,950
17,450
20,400
17,850
19,199
16,845
15,350
14,033
13,414
13,879
15,074
15,042
LT Debt
40,620
43,139
42,454
42,896
44,983
46,281
45,871
46,175
49,119
50,816
54,253
55,167
54,010
58,518
61,520
64,812
65,298
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
0.77
-4.07
-1.67
0.15
1.37
0.88
0.73
0.13
-0.05
0.25
-0.01
0.68
6.15
2.23
2.47
0.66
0.72
Return on Capital (%)
5.85
3.58
0.19
4.26
6.38
5.92
5.57
3.65
3.28
3.71
3.65
5.58
14.78
6.94
7.38
4.46
4.95
Return on Common Equity (%)

Capital Structure

TWD

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
2,500
2,500
2,500
Shares Outstanding
2,782
2,782
2,782
Market Capitalization
25,153
25,431
27,824

Working Capital

TWD

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
23,810
33,952
34,695
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

TWD

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
3.48%
3.68%
5.35%
Free Cash Flow
-82.33%
-145.48%
-110.48%
Net Income, GAAP
13.12%
32.43%
-35.91%
Sales/Revenue/Turnover
3.97%
5.64%
3.57%
Total Cash Common Dividend
931.69%
10.62%
13.55%

Quarterly Revenue

TWD

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
2,944
2,491
2,634
2,035
10,103
2025
2,422
2,715
2,877
2,450
10,464
2026
3,164
- -
- -
- -
- -

Quarterly Earnings Per Share

TWD

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.35
0.2
0.23
0.21
1.04
2025
0.19
0.17
0.21
0.09
0.66
2026
0.28
- -
- -
- -
- -

Quarterly Dividends Per Share

TWD

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
0.48
2025
- -
- -
- -
- -
0.54
2026
- -
- -
- -
- -
- -
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Business
O-Bank Co., Ltd. (2897.TW) operates as a commercial bank in Taiwan, offering comprehensive corporate and personal financial services, including medium- and long-term loans, syndicated loans, project finance, trade finance such as export and import financing, factoring services encompassing account receivable management and collections, cash management via corporate internet banking with payables and receivables tools, financial advisory for mergers, acquisitions, restructuring, and fundraising, foreign exchange deposits and remittances, interest rate products like swaps and options, exchange rate products including forwards, options, and currency swaps, structured products, securitization, trusts, personal deposits, loans, digital payment services, wealth management, and insurance; retail services emphasize online platforms supplemented by physical channels. Founded in 1999 as Industrial Bank of Taiwan and headquartered at 99, Section 2, Tiding Boulevard, Neihu District, Taipei, the bank restructured into a full commercial bank and adopted its current name in 2017, transitioning to become Taiwan's first native digital bank focused on inclusive, user-centric retail products while maintaining corporate banking strengths. It maintains a branch in Hong Kong, representative offices in Tianjin, China, and Sydney, Australia, with subsidiaries including EverTrust Bank in California for U.S. commercial real estate and trade finance, IBTS Asia (HK) Ltd., China Bills Finance Corporation, IBTM/IBT VII VC targeting AI, semiconductors, biotech, and ESG sectors across Asia including a new Singapore office, and equity-method investments in Infinite Finance Co., Ltd. for leasing in Greater China and Thailand, and Beijing Sunshine Consumer Finance leveraging Everbright Group resources. Recent developments include 2024 approval for a Sydney representative office to expand overseas and diversify revenue, ongoing optimization of asset portfolios at EverTrust Bank amid U.S. high-interest policies, deposit growth of 41% from retail and small businesses representing 31% of total deposits with improved liquidity metrics, and investment income recognition from Infinite Finance net of purchase price allocation amortization related to prior leasing mergers.