O-Bank CoTPE:2897 +0.48%60 ROE % is 2.16% as of Dec. 2025, which is 54% below its 10-year median of 4.67. GuruFocus rates TPE:2897 with a GF Score™ of 60/100 and a GF Value™ of NT$10.99 (Fairly Valued). The stock has 5 warning signs investors should review. Among 1,525 Banks companies, O-Bank Co ranks worse than 85.9% on this metric.
ROE % is calculated as Net Income divided by its average Total Stockholders Equity over a certain period of time. O-Bank Co's annualized net income for the quarter that ended in Dec. 2025 was NT$950 Mil. O-Bank Co's average Total Stockholders Equity over the quarter that ended in Dec. 2025 was NT$43,870 Mil. Therefore, O-Bank Co's annualized ROE % for the quarter that ended in Dec. 2025 was 2.16%.
The historical rank and industry rank for O-Bank Co's ROE % or its related term are showing as below:
TPE:2897'
s ROE % Range Over the Past 10 Years
Min: 3.12 Med: 4.67 Max: 13.59
Current: 4.23
During the past 13 years, O-Bank Co's highest ROE % was 13.59%. The lowest was 3.12%. And the median was 4.67%.
TPE:2897's ROE % is ranked worse than 85.9% of 1525
companies
in the Banks industry
Industry Median: 10.22
vs TPE:2897: 4.23
O-Bank Co (TPE:2897) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Dec. 2025) net income data. The Revenue data used here is four times the quarterly (Dec. 2025) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
O-Bank Co ROE % Related Terms
O-Bank Co ROE % Historical Data
* Premium members only.
The historical data trend for O-Bank Co's ROE % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, O-Bank Co's ROE %, along with its competitors' market caps and ROE % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
O-Bank Co ROE % vs Banks Industry
For the Banks industry and Financial Services sector, O-Bank Co's ROE % distribution charts can be found below:
* The bar in red indicates where O-Bank Co's ROE % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Dec. 2025) net income data.
ROE % is displayed in the 30-year financial page.
O-Bank Co (TPE:2897) has a ROE % of 2.16% as of Dec. 2025. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on O-Bank Co and its competitors. This is 54% below median its historical median of 4.67. Over the past decade, O-Bank Co's ROE % has ranged from 3.12 to 13.59. According to the industry distribution chart, O-Bank Co ranks #1310 out of 1525 companies in the Banks industry, placing it in the top 85.9%.
Is O-Bank Co's ROE % too high?
O-Bank Co's current ROE % of 2.16% is 54% below median its 10-year median of 4.67. Over the past 10 years, this metric has ranged from a low of 3.12 to a high of 13.59. The Banks industry median ROE % is 10.22. O-Bank Co's value of 2.16% is 78.9% below this industry median. Based on the distribution chart, O-Bank Co ranks #1310 out of 1525 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, O-Bank Co has a GF Score™ of 60/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does O-Bank Co's ROE % compare to PNC and USB?
According to the Banks industry distribution chart, O-Bank Co ranks #1310 out of 1525 companies for ROE %. This places O-Bank Co in the lower half of its industry. The industry median ROE % is 10.22. O-Bank Co's value of 2.16% is 78.9% below this benchmark. Historically, O-Bank Co's own ROE % has ranged from 3.12 to 13.59 over the past decade. While the company's 10-year median is 4.67 vs. the industry median of 10.22, O-Bank Co has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % for a Banks company?
The median ROE % among Banks companies is 10.22, based on 1,525 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. O-Bank Co's current ROE % of 2.16% is 78.9% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on O-Bank Co and its competitors. For the Banks industry, the median ROE % is 10.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. O-Bank Co's current ROE % is 2.16%, which is 54% below median its own 10-year median of 4.67. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is O-Bank Co stock overvalued right now?
Based on GuruFocus' analysis, O-Bank Co (TPE:2897) is currently considered Fairly Valued. The stock's GF Value™ is NT$10.99, compared to a current price of NT$10.55 — trading 4% below its estimated fair value. The current ROE % is 2.16%, which is 54% below median its 10-year median of 4.67 and 78.9% below the Banks industry median of 10.22. O-Bank Co's overall GF Score™ is 60/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % calculated?
ROE % is calculated from a company's financial statements. For O-Bank Co (TPE:2897), the current ROE % is 2.16% as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is O-Bank Co (TPE:2897) Overvalued in 2026?
Based on GuruFocus' analysis, O-Bank Co stock appears to be undervalued.
The current stock price of NT$10.55 is trading 4% below its estimated GF Value™ of NT$10.99.
GuruFocus considers O-Bank Co to be Fairly Valued.
Key valuation signals for TPE:2897:
ROE %: 2.16% (54% below median its 10-year median of 4.67)
GF Value™: NT$10.99 vs. price of NT$10.55 (4% below fair value)
Industry Position: 78.9% below the Banks median (#1310 of 1525)
No single metric tells the full story. See the TPE:2897 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
O-Bank Co Ltd is a banking company. The bank's financial services include banking, trade finance, financial markets, securitization, and trusts. Its Products include medium and long-term loans, syndicated loans, cash management, factoring business, trade finance, interest rate and exchange rate structured products, trusts, and securitization. Retail banking services include loans and deposits, investment management, and mobile banking services including opening accounts and transacting online.
60GF Score
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