| Ʒ Ư ũ(valuewalk.com) 2023 10 24 Դϴ. ֽĿ ǰ Դϴ. Ǵܿ å ο ֽϴ.
Ƽ(Citigroup: NYSE--C) ڻ ̱ ° ū ̸, 4 ʴ ϳ. Ƽ Ǹ 귣 , ֱ Ư ڽź ū JP ü̽(JPMorgan Chase: NYSE--JPM) ũƸī(Bank of America: NYSE--BAC) . ̷ , κ . Ƽ ֱ ع 籹κ ΰ Ҵ.
Ƽ (2021 2) (Jane Fraser) CEO Ӹ , ϰ, ϸ鼭, Ͼ 忡 . ༼ Ⱓ ̷. ٸ Ƽ Ǿ? κ ó ֱ ༼ Ⱓ Ƽ ֽĵ ϶ߴ. , Ƽ ġ ֿ ϱ, ƴϸ ġϱ?
ְ
Ƽ ְ 13% ϶߰, 10 20 1 11% ϶ߴ. ̷ ְ JP ü̽ İ(Wells Fargo) ̰, ũƸī US(US Bancorp)ٴ ̴. ֿ ñ⿴ , JP ü̽(6% ) ϰ ̵ ִ ְ ϶ߴ.
, Ƽ ̼ǿ ŷǰ ִ. PER Ұ 6 , PER 6 ̴. Ƽ쿡 ǹ ִ ̼ ǥ PBR̴.
Ƽ PBR 0.36 2012 . PBR 1 ̸̶ ְ ΰ ٴ ǹϸ, ֵȴ. PBR 1 , ֽ ΰ ̴.
ֽ ִ PBR ڱںͷ(ROE) ̴. ROE ֵ ں, ڱں ´ ǥ. Ϲ PBR ROE . , PBR ROE ̶ֽ ǹѴ. ݴ ROE ε PBR , ֽ ġֶ ǹѴ.
Ƽ ROE 12% 6% ؿ Ұϴ. ̿ JP ü̽ ROE 17%, ũƸī İ ROE 11% 10% ̴.
ֱ ġ ұ, ð ʿ
ġ ̼ ǥ Ƽ ε ż ó , ̰ ְ ݿ ϴ ֽ Ѵ.
и, 10 Ƽ ֽ̾. κ 2010 Դ , Ƽ Ʈ Ʈ ͺ Ҽ Կ ̸ ߸ . 10 Ƽ ֽ ͷ -2.5%.
Ƽ ġ ΰ ̴. ̰, ϱ ϰ, νǻ̳ ٽ ʴ Űϰ, ذϰ ũ ϴµ ʾ ϸ鼭 Ȳ ǵ ٶ ġ ϱ ߴ.
׳డ ٷ Ҵٰ ϱ ʹ ̸. Ѻ鼭 ٸ . , Ǿ ŷҸ ٸ ֵ ִٴ . <>
* ó: ̺ ڹ߷Ű(Dave Kovaleski), ̳ ַ̼ (Financial Regulation News) , Ʋ Ǯ(The Motley Fool) ֳθƮ, "Is This Bank A Good Value or A Value Trip?" 2023 10 24, https://www.valuewalk.com/is-this-bank-a-good-value-or-a-value-trap/
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