ScoreWhy is Bank of Hangzhou Co., Ltd. ?
1
With ROA of 0.57%, it has a fair valuation with a 0.69 Price to Book Value
- Over the past year, while the stock has generated a return of 11.35%, its profits have risen by 14.9%
- At the current price, the company has a high dividend yield of 4.1
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to Bank of Hangzhou Co., Ltd. should be less than 10%
- Overall Portfolio exposure to Major Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Major Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Bank of Hangzhou Co., Ltd. for you?
Low Risk, Medium Return
Absolute
Risk Adjusted
Volatility
Bank of Hangzhou Co., Ltd.
11.35%
1.06
18.51%
China Shanghai Composite
14.77%
1.01
14.58%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
8.96%
EBIT Growth (5y)
18.19%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
23.70%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
5
Industry P/E
Price to Book Value
0.69
EV to EBIT
35.58
EV to EBITDA
33.62
EV to Capital Employed
0.94
EV to Sales
10.96
PEG Ratio
NA
Dividend Yield
4.11%
ROCE (Latest)
2.64%
ROE (Latest)
12.89%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bullish
Mildly Bearish
Dow Theory
Mildly Bearish
No Trend
OBV
Mildly Bearish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend6What is working for the Company
NII(Q)
Highest at CNY 6,501.55 MM
CASH AND EQV(HY)
Highest at CNY 229,609.49 MM
PRE-TAX PROFIT(Q)
Highest at CNY 6,735.6 MM
NET PROFIT(Q)
Highest at CNY 5,734.12 MM
EPS(Q)
Highest at CNY 0.83
-4What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at CNY -138,121.42 MM
CREDIT DEPOSIT RATIO(HY)
Lowest at 78.58%
Here's what is working for Bank of Hangzhou Co., Ltd.
NII
Highest at CNY 6,501.55 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (CNY MM)
Pre-Tax Profit
Highest at CNY 6,735.6 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (CNY MM)
Net Profit
Highest at CNY 5,734.12 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (CNY MM)
EPS
Highest at CNY 0.83
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (CNY)
Cash and Eqv
Highest at CNY 229,609.49 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
CASA
Highest at 11.34%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
Here's what is not working for Bank of Hangzhou Co., Ltd.
Operating Cash Flow
Lowest at CNY -138,121.42 MM and Fallen
In each year in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (CNY MM)
Credit Deposit Ratio
Lowest at 78.58%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
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