Chang Hwa Commercial Bank (TPE:2801) Moat Score: 0/10 (As of Jul. 06, 2026)


TPE:2801 Chang Hwa Commercial Bank Ltd TPE:2801
72 GF Score
Price NT$23.50
GF Value NT$20.43
Valuation Modestly Overvalued
! 6 Warning Signs
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What is Chang Hwa Commercial Bank Moat Score?

Chang Hwa Commercial Bank has the Moat Score of 0, which implies that the company might have No Moat - No discernible moat.

Chang Hwa Commercial Bank has

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Chang Hwa Commercial Bank might have No Moat - No discernible moat.

Chang Hwa Commercial Bank  (TPE:2801) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Chang Hwa Commercial Bank Moat Score Related Terms

TPE:2801
72GF Score
Chang Hwa Commercial Bank Ltd TPE:2801
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Is Chang Hwa Commercial Bank (TPE:2801) Overvalued in 2026?

Based on GuruFocus' analysis, Chang Hwa Commercial Bank stock appears to be overvalued. The current stock price of NT$23.50 is trading 15% above its estimated GF Value™ of NT$20.43. GuruFocus considers Chang Hwa Commercial Bank to be Modestly Overvalued.

Key valuation signals for TPE:2801:

  • Moat Score: 0
  • GF Value™: NT$20.43 vs. price of NT$23.50 (15% above fair value)
  • GF Score™: 72/100 with 6 warning signs

No single metric tells the full story. See the TPE:2801 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Chang Hwa Commercial Bank Business Description

Address No. 38, Section 2, Ziyou Road, Taichung, TWN
Chang Hwa Commercial Bank Ltd operates as a bank. It operates in segments namely Loans, Deposits, Financial Instruments and Investments, Wealth Management, Overseas branches and Subsidiaries, and others. It generates a majority of its revenue from the Loan segment. It offers services such as wealth management, personal cards, housing loans, credit loans, personal Internet banking, commercial Internet banking, and others.
72GF Score

Get the complete analysis for TPE:2801

Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

NT$23.50
Price
NT$20.43
GF Value