Shanghai Commercial & Savings Bank, Ltd. stock analysis
Shanghai Commercial & Savings Bank, Ltd. (5876) Stock Price & Analysis
5876 Stock Chart & Stats
- Day’s Range
- TWD 48.15 - TWD 51.90
- 52-Week Range
- TWD 37.23 - TWD 56.50
- Previous Close
- TWD 51.70
- Volume
- N/A
- Average Volume (3M)
- 6.75M
- Market Cap
- TWD 249.84B
- Enterprise Value
- TWD 411.59B
- Total Cash (Recent Filing)
- TWD 60.79B
- Total Debt (Recent Filing)
- TWD 145.98B
- Price to Earnings (P/E)
- 14.6
- Beta
- -0.13
- Next Earnings
- Mar 11, 2027 (Est.)
- EPS Estimate
- N/A
- Last Dividend Ex-Date
- Jul 28, 2026
- Dividend Yield
- 3.53%
Bulls Say, Bears Say
Bulls Say
Solid Profitability
Sustained profitability provides an earnings base for a regional bank even as growth weakens. Net and EBIT margins near historically solid levels indicate that the core business remains economically viable and can support capital retention, lending activity, and ongoing investment.
Reasonable Capitalization
Moderate leverage and steadily rising equity strengthen the bank’s ability to absorb operating volatility and continue serving customers. This balance-sheet profile supports financial resilience and gives management more flexibility than an aggressively leveraged structure would provide.
Broad Banking Platform
A broad mix of banking products and distribution channels supports customer diversification and recurring relationships across individuals and businesses. This platform can deepen customer engagement, spread revenue sources, and provide a durable foundation for future cross-selling.
Bears Say
Sharp Revenue Decline
The sharp 2025 revenue contraction signals a meaningful loss of financial momentum and reduces the earnings base available to support growth. Unless revenue stabilizes, weaker scale can limit reinvestment, constrain operating leverage, and make future profitability more sensitive to business conditions.
Negative Cash Generation
The reversal to negative operating and free cash flow makes internally generated funding less reliable over the next several quarters. Persistent volatility could constrain lending expansion or other investments and increase dependence on balance-sheet funding during periods of weaker operating performance.
Higher Leverage And Margin Pressure
Higher leverage reduces flexibility precisely as profitability has weakened from peak levels. If earnings or asset quality deteriorate, the combination can increase balance-sheet sensitivity, limit capital allocation options, and make recovery in returns more difficult to sustain.
5876 FAQ
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Company Description
Shanghai Commercial & Savings Bank, Ltd.
The Shanghai Commercial & Savings Bank, Ltd. provides a comprehensive array of commercial banking services, serving customers both within Taiwan and across international markets. Its offerings include various deposit accounts such as time, savings, demand, checking, and negotiable certificates of deposit, in addition to remittance facilities. The bank also extends financing through corporate loans, residential mortgages, small personal credits, and other consumer lending products. For customer convenience, it offers credit card services, ATM access, internet and mobile banking applications, and dedicated customer support. Beyond traditional banking, the institution's diversified portfolio includes travel arrangements, insurance agency operations, leasing solutions, real estate services, securities investment, and microfinance initiatives. Furthermore, its business operations encompass building material distribution, the acquisition and management of financial institutions' creditor rights, and investments in various bills and bonds. The bank maintains an extensive network, featuring 72 domestic branches in Taiwan. Its global footprint includes 4 foreign branches located in Hong Kong, Vietnam, and Singapore, alongside 4 representative offices situated in Thailand, Cambodia, and Indonesia. Established in 1915, The Shanghai Commercial & Savings Bank, Ltd. is headquartered in Taipei, Taiwan.
- Sector
- General
- Industry
- Banks - Regional
- CEO
- Mu-Tsai Chen
- Employees
- 6,948
- Website
- www.scsb.com.tw
- Address
- No. 149, Minsheng East Road, Taipei, TPE, 104415, TW
Shanghai Commercial & Savings Bank, Ltd. (5876) Earnings & Revenues
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 11 | 3 | 8 |
| Technical Analysis | 5 | 3 | 2 |
| Moving Averages | 6 | 0 | 6 |

