ScoreWhy is Bank of Ningbo Co., Ltd. ?
1
Positive results in Mar 25
- NII(Q) Highest at CNY 12,835 MM
- CASH AND EQV(HY) Highest at CNY 313,765 MM
- NET PROFIT(Q) Highest at CNY 7,417 MM
2
With ROA of 0.52%, it has a very attractive valuation with a 0.67 Price to Book Value
- Over the past year, while the stock has generated a return of 9.79%, its profits have risen by 6% ; the PEG ratio of the company is 0.9
3
Majority shareholders : Non Institution
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to Bank of Ningbo Co., Ltd. should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Bank of Ningbo Co., Ltd. for you?
Low Risk, Medium Return
Absolute
Risk Adjusted
Volatility
Bank of Ningbo Co., Ltd.
15.54%
1.00
24.10%
China Shanghai Composite
14.77%
1.01
15.10%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
16.50%
EBIT Growth (5y)
12.45%
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
22.77%
Pledged Shares
0
Institutional Holding
0.00%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
6
Industry P/E
Price to Book Value
0.67
EV to EBIT
38.50
EV to EBITDA
34.93
EV to Capital Employed
0.93
EV to Sales
10.23
PEG Ratio
0.93
Dividend Yield
3.40%
ROCE (Latest)
2.42%
ROE (Latest)
11.55%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
Mildly Bearish
No Trend
OBV
Mildly Bearish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend8What is working for the Company
NII(Q)
Highest at CNY 12,835 MM
CASH AND EQV(HY)
Highest at CNY 313,765 MM
NET PROFIT(Q)
Highest at CNY 7,417 MM
EPS(Q)
Highest at CNY 1.12
-6What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at CNY -114,016 MM
GROSS NPA (%)
(Q
OPERATING PROFIT(Q)
Lowest at CNY 2,912 MM
OPERATING PROFIT MARGIN(Q)
Lowest at 11.16 %
Here's what is working for Bank of Ningbo Co., Ltd.
NII
Highest at CNY 12,835 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA (%)
Net Profit
Highest at CNY 7,417 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (CNY MM)
EPS
Highest at CNY 1.12
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (CNY)
Cash and Eqv
Highest at CNY 313,765 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Here's what is not working for Bank of Ningbo Co., Ltd.
Non Performing Loans (%)
Highest at 0.74%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are increasing
Non Performing Loans (%)
Operating Cash Flow
Lowest at CNY -114,016 MM
in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (CNY MM)
Operating Profit
Lowest at CNY 2,912 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (CNY MM)
Operating Profit Margin
Lowest at 11.16 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
Capital Adequacy Ratio
Lowest at 10.44%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
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