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2845

遠東銀 Finance & Insurance As of 2026-06-17 Updated daily after market close

strong quality, fair valuation.

2 active signals
252d high Revenue ≥20%
This page refreshes daily after the close. Add 遠東銀 to your watchlist to track signal changes on your next visit.
Valuation 79Quality 68Growth 66Momentum 53Chips 96

Is 遠東銀 a buy? Fundamentals and valuation first

  • Top-tier profitability.Operating margin beats ~88% of the market. Latest quarterly ROE ≈ 1.7%.

  • Valuation is neutral.PE is in the 27th market percentile; within its own history, PE is around the 94th percentile.

  • Foreign investors are net buying.Foreign 20-day net flow ≈ 17.4% of volume (net buy).

  • Strong revenue growth.Latest monthly revenue YoY ≈ 21.7%, above the 20% growth threshold.

  • Signals are active now.On the latest data, signals such as 252-day price high, Revenue YoY ≥ 20% are active — see the historical forward returns after each occurrence below.

Chip flow

Bullish +0.38
BearishNeutralBullish

Single-sided accumulation, concentration rising — bullish

  • Single-sided accumulation, concentration rising — bullish
  • 德信 holds 9,996 lots
  • sellers have 8,582 lots left, ~333 sessions to clear

Window from 2026-01-17 · Price +5% · branches to 2026-06-17· TDCC to 2026-06-12

  • Largest holder 德信 has accumulated 9,996 lots since the start (sold 0%), holding.
  • Main distributor 法銀巴黎 peaked at 7,100 lots, has sold 78%, 1,539 left, ~5 sessions to clear at the recent pace.
  • TDCC big holders (absolute) >1000-lot holders +0.24pp, mid holders -4, retail -0.13pp — concentration shifting upward.
  • Foreign hedge-desk net short Net short -16,962 lots (inferred from branch profile, mostly hedging — not necessarily bearish, not case-confirmed).
Branch inventory reconstruction
Accumulating holders Branches that accumulated shares during the window and still hold positive inventory; they are the absorbing side.
Distributing sellers Branches that built inventory earlier and have been selling it down; the remaining number estimates what has not cleared.
Net-short desks Trading-desk branches with negative inventory or net selling, often hedge, offsetting, or short-term flow. It is not automatically a bearish view.
Accumulating
德信永豐金證券元大證券台新-虎尾美林彰銀-七賢
Distributing
法銀巴黎玉山-台南新加坡商瑞銀亞東元大-板橋台新證券
Desks
own scale
凱基-台北凱基-高雄凱基-桃園光和-高雄
Price Accumulating & Distributing share one scale (comparable); Desks is independent. Zero is the baseline
Branch details Unit: lots

Accumulating

  • 德信 +9,996
    sold 0%
  • 永豐金證券 +7,936
    sold 0%· still adding
  • 元大證券 +5,753
    sold 8%· still adding
  • 台新-虎尾 +5,492
    sold 0%· still adding
  • 美林 +5,388
    sold 0%· still adding
  • 彰銀-七賢 +4,005
    sold 0%

Distributing

  • 法銀巴黎 1,539 left
    sold 78%· ~5 sessions to clear
  • 玉山-台南 4,593 left
    sold 25%· paused recently
  • 新加坡商瑞銀 2,012 left
    sold 59%· paused recently
  • 亞東 2,748 left
    sold 31%· ~22 sessions to clear
  • 元大-板橋 2,039 left
    sold 28%· ~52 sessions to clear
  • 台新證券 594 left
    sold 60%· paused recently

Desks

  • 凱基-台北 -13,048
    day-trade · selling pressure
  • 凱基-高雄 -3,778
    unclassified
  • 凱基-桃園 -3,146
    unclassified
  • 光和-高雄 -2,713
    unclassified
Still selling 8,582 lots ~333 sessions to bottom at most
Recent buy/sell force +72,639 absorbed / -8,060 sold buyers slightly ahead
Hedge-desk net short -3,309 lots potential cover-buying, not selling pressure
TDCC big holders · absolute-holding cross-check
>1000-lot holder share Retail (<400 lots) share Price (right axis)

Direction matches: big-holder share rose while retail share fell.

Describes chip flow, not investment advice. Branch data discloses only high-volume branches with ~1-day lag; TDCC is weekly. Inventory is a relative reconstruction from the window start, not absolute holdings.

Historical evidence

Signals active now

These signals are true on the latest data, with this stock's own historical forward-return stats after each occurrence.

252-day price high (breakout)

Active

Adjusted close makes a new 252-day high; repeats within 20 days counted once.

37 historical occurrences (since 2009-11-09)
Average forward return after 252-day price high (breakout)。20-day: Win 52.8%, Sample 36, Median +0.08%, Excess +0.04%, Beat mkt rate 58.3%；60-day: Win 61.1%, Sample 36, Median +1%, Excess +0.1%, Beat mkt rate 58.3%；120-day: Win 63.9%, Sample 36, Median +3.19%, Excess +0.3%, Beat mkt rate 52.8%

120 days after: historical avg +2.46%

20-day +0.02%
60-day +0.82%
120-day +2.46%
20-day
60-day
120-day
Win
52.8%
61.1%
63.9%
Sample
36
36
36
Median
+0.08%
+1%
+3.19%
Excess
+0.04%
+0.1%
+0.3%
Beat mkt rate
58.3%
58.3%
52.8%

Over 36 occurrences, 120-day forward avg gained 2.46%, beat the market by 0.3 pts; win rate 63.9%.

Monthly revenue YoY ≥ 20% (from filing deadline)

Active · now 21.67%

Monthly revenue YoY ≥ 20%; event date is the first trading day after the filing deadline (no look-ahead).

46 historical occurrences (since 2007-04-23)
Average forward return after Monthly revenue YoY ≥ 20% (from filing deadline)。20-day: Win 62.5%, Sample 40, Median +1.05%, Excess -0.33%, Beat mkt rate 42.5%；60-day: Win 59%, Sample 39, Median +0.75%, Excess -2.53%, Beat mkt rate 33.3%；120-day: Win 66.7%, Sample 39, Median +3.51%, Excess -2.84%, Beat mkt rate 38.5%

120 days after: historical avg +5.62%

20-day +1.16%
60-day +1.59%
120-day +5.62%
20-day
60-day
120-day
Win
62.5%
59%
66.7%
Sample
40
39
39
Median
+1.05%
+0.75%
+3.51%
Excess
-0.33%
-2.53%
-2.84%
Beat mkt rate
42.5%
33.3%
38.5%

Over 39 occurrences, 120-day forward avg gained 5.62%, lagged the market by 2.84 pts; win rate 66.7%.

Valuation regime and subsequent returns

Each day's PE is converted to its own-history percentile (as of that day), then we look at adjusted-close returns over the next 240 trading days by valuation regime.

PE percentile bandSample days240-day avg returnMedianWin rateAvg excess (vs index)
0-20 726+1.5% +1.4% 54.1% -7.7%
20-40 254+8.9% +11.3% 79.9% -7.5%
40-60 395+7.2% +10.9% 63% -8.8%
60-80 498+16.4% +18% 70.3% -14.6%
80-100 You are here1056+7.8% +7% 80.3% -7.1%

Percentiles use an expanding own-history window (no look-ahead); forward return is 240 trading days on adjusted close. Sample days overlap; distribution is indicative only.

Current PE ≈ 15.11, at the 93.7th percentile of its own history (80-100 band).

Valuation × momentum historical grid

Every day in its own history is bucketed by valuation tercile (own-history PE) and 60-day momentum sign into six cells; we show adjusted-close returns over the next 120 trading days per cell.

Valuation
Momentum
Cheap (own-history bottom 1/3)
Mid
Expensive (own-history top 1/3)
60-day momentum up
-0.8%
Win rate 50.2% Excess -3.7%
496d
+7.1%
Win rate 89.8% Excess -1.4%
531d
Now
+4.2%
Win rate 69.1% Excess -3.7%
1026d
60-day momentum down
+2.1%
Win rate 65.2% Excess -5.7%
351d
+4.3%
Win rate 52.8% Excess -9.3%
123d
+4.2%
Win rate 75.5% Excess -9.8%
522d

Currently in “Expensive (own-history top 1/3) × 60-day momentum up”: across 1026 historical days, 120-day forward avg gained 4.2%, win rate 69.1%, lagged the market by 3.7%.

Days = trading days in this bucket; returns use adjusted prices, ex-costs. 60-day momentum: direction of this stock's price over the past 60 trading days.

Does this signal hold up across the market

Over the past 242 months, on average ~404 stocks per month met “monthly revenue YoY ≥ 20%”; their adjusted-close return over the next 60 trading days averaged 6.94% (equal-weighted), beating the market by 2.37 points on average, and outperformed the TAIEX total-return index in 64.5% of months.

Each month, equal-weighted 60-day forward adjusted return of all signal-matching stocks, then averaged across months; excess vs the TAIEX total-return index.

Signals not active (historical stats for reference)

These are not occurring now; historical samples shown for comparison.

Foreign net buying for 5 straight days

Pending

Foreign net flow (ex-dealer) positive for 5 straight days; event on day 5; repeats within 20 days counted once.

69 times historically; 60-day forward avg +1.94%, win rate 69.1%, beating the market by -1.41 pts on average.

What does 遠東銀 do? Company profile

金融保險業／銀行業 台灣證券交易所上市

Overview

2845 對應證券為遠東國際商業銀行股份有限公司普通股，簡稱遠東銀，屬台灣證券交易所上市銀行股。公司成立於1992年1月11日，上市日期為1998年11月27日，總部位於台北市大安區敦化南路二段207號26、27樓，統一編號86517096。依2026年6月可查資料，實收資本額約新台幣486.53億元，已發行普通股約48.65億股，無特別股；董事長為周添財，總經理為林建忠。2025年12月董事會決議由周添財接任董事長、林建忠接任總經理，接續前董事長侯金英辭世後的人事調整。員工規模方面，2024年年報揭露截至2025年3月31日合計2,568人。主要股東以遠東集團相關投資公司與員工持股信託為主；2026年媒體依公司公告整理指出，截至2026年3月24日，最大股東為裕元投資，持股約4.73%，遠東銀員工持股信託專戶約4.31%，裕利投資約4.19%，其後包括亞洲投資、德勤投資、遠鼎投資、開元國際投資、遠通投資、鼎元國際投資及遠東新世紀等集團相關股東。

Business

遠東銀為商業銀行，主要業務包括收受存款、辦理放款、保證、簽發信用狀、國內外匯兌與承兌、投資及代銷公債、公司債與金融債券。其商業模式以存放款利差、財富管理與信託等手續費收入、信用卡與消費金融、法人金融與聯貸、金融市場投資及交易收益、數位金融與支付金流服務為主要獲利來源。2024年總資產成長至新台幣8,535億元，稅後淨利42.97億元，EPS 1.01元；2025年總資產進一步達8,737億元，全年稅後淨利41.17億元，EPS 0.93元，淨利息收入成長15%，逾放比降至0.052%。業務重點包括個人金融、法人金融、金融市場、AI數位金融、Bankee社群銀行、VASP虛擬資產法幣金流信託保管、海外與跨境聯貸。Bankee已開發台外幣數位存款帳戶、信用卡與信用貸款等產品；2025年Bankee存款餘額突破271億元、客戶數突破29萬，並掌握虛擬資產出入金流高市占。主要客戶涵蓋個人存戶、房貸與信貸客戶、信用卡客戶、高資產財富管理客戶、中小企業與大型企業、跨境聯貸企業、FinTech與VASP業者。公開資料未揭露完整按產品別的營收占比，因此未填列未確認比例。

Outlook 2025–2028

2025至2028年展望重點為穩健擴大規模、提高利差、強化投資與海外業務、推動AI數位轉型及尋求策略聯盟或併購。公司2024年年報規劃短期目標為增加放款並改善利差、提高手續費收入及金融交易收益占比、推動AI數位化流程管理、開發數位新通路與新客源；長期則聚焦高利差資產、優化淨利息收入、擴大海外資產規模、深耕大中華區及東協市場、發展交易金融、TMU、結構型商品、AI智能服務與ESG金融。2026年股東會董事長表示，下半年將強化投資、海外業務及AI轉型，全年目標力拚EPS超過1元，營運目標為總資產、存款、放款皆成長6%以上；遠銀也持續評估朝金控方向發展，但無明確時間表，曾評估安泰銀與國票金，並希望尋求證券業策略夥伴。成長動能包括AI相關產業帶動台灣出口、跨境聯貸及新南向業務、財富管理2.0、高資產客戶、Bankee數位存款及VASP法幣金流、AI Agent降低人工作業成本、防詐與洗防科技、集團資源綜效。主要風險包括國內銀行放款競爭激烈導致利差不易擴大、央行與主管機關對房貸及資本監理趨嚴、外幣定存競爭推高資金成本、全球利率與股債市場波動、地緣政治與油價通膨、傳統產業授信風險、海外據點較少、數位帳戶市場飽和、AI與VASP監理合規及資安防詐成本上升。

Supply Chain

Upstream
  • 個人與企業存款戶 銀行主要資金來源之一，包含活期存款、定期存款、外幣存款與數位存款；非單一公司。
  • 資本市場與金融債投資人 透過金融債、次順位金融債、現金增資等補充資金與資本；非單一公司。
  • 遠東新世紀 1402 遠東集團上市公司，亦名列遠東銀主要股東之一，提供集團資源與品牌綜效。
  • 遠傳電信 4904 年報列示為委外契約當事人之一，代收信用卡帳款作業；屬台股上市公司。
  • 統一超商 2912 年報列示為委外契約當事人之一，代收分期付款貸款及信用卡帳款作業；屬台股上市公司。
  • 全家便利商店 5903 年報列示為委外契約當事人之一，代收分期付款貸款及信用卡帳款作業；屬台股上櫃公司。
  • 裕融企業 9941 年報列示為委外契約當事人之一，提供表單、憑證等資料保存相關作業；屬台股上市公司。
Downstream
  • 個人金融客戶 房貸、信貸、信用卡、數位帳戶、Bankee、財富管理與外幣投資等服務對象；非單一公司。
  • 中小企業與大型企業客戶 法人授信、現金管理、企業網銀、外匯、保證、信用狀、聯貸及企業理財商品服務對象；多數非特定掛牌公司。
  • VASP虛擬資產服務業者 遠東銀提供法幣金流與信託保管、KYC、洗防與交易監控等服務；客戶多為未上市或非台股掛牌業者。
  • 國際聯貸借款企業 遠東銀參與與主辦跨境聯貸案，2026年新聞提及參與印度Piramal Finance 4億美元聯貸案；Piramal Finance為印度業者，非台股掛牌。
  • 高資產與家族辦公室客戶 財富管理2.0與家族辦公室服務目標客群；非單一公司。

Competitors

  • 台中商銀 2812 台股上市銀行，同屬中型商業銀行競爭者，業務涵蓋存放款、財管、消金與企業金融。
  • 京城銀行 2809 台股上市銀行，中型商銀，同業競爭者。
  • 高雄銀行 2836 台股上市銀行，區域型銀行與一般商銀業務競爭者。
  • 安泰商業銀行 2849 台股上市銀行，遠東銀曾評估接觸併購，亦為同業競爭者。
  • 王道商業銀行 2897 台股上市銀行，數位金融、消金與法人金融領域競爭者。
  • 臺灣中小企業銀行 2834 台股上市銀行，在中小企業授信及一般銀行業務與遠東銀競爭。
  • 彰化銀行 2801 台股上市銀行，存放款、企金、財管等業務競爭者。
  • 國票金控 2889 台股上市金融控股公司，雖無銀行子公司，但在金融市場、證券與票券等金融服務領域具競合關係；遠東銀曾評估其互補性。
Sources（12）

This company profile is compiled from public sources (annual reports, filings, news and analyst reports), not finlab backtest data; the 2025–2028 outlook contains forward-looking estimates and is for reference only.

Method and limitations

  • All returns use adjusted close (etl:adj_close), already adjusted for dividends and splits.
  • Excess return is measured against the TAIEX total-return index (dividends included).
  • Valuation regime and percentile stats use an expanding own-history window (no future data).
  • Revenue-signal event dates align to the first trading day after the filing deadline, avoiding look-ahead.
  • Event samples may overlap in time; stats describe historical distribution only and are less reliable when samples are few.

This page is historical statistics for educational purposes and is not investment advice. Investing involves risk; past performance does not indicate future results. Assess and bear the risk yourself before trading.