Chongqing Rural Commercial Bank Co., Ltd. () Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

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Comparison

Company

Score

Quality

Valuation

Financial

Technical

Dah Sing Financial Holdings Ltd.

Dah Sing Banking Group Ltd.

China Merchants Bank Co., Ltd.

Bank of Qingdao Co., Ltd.

Dongguan Rural Commercial Bank Co., Ltd.

Hang Seng Bank Ltd.

Chongqing Rural Commercial Bank Co., Ltd.

Bank of Communications Co., Ltd.

China Construction Bank Corp.

Guangzhou Rural Commercial Bank Co. Ltd.

China Minsheng Banking Corp., Ltd.

Why is Chongqing Rural Commercial Bank Co., Ltd. ?

Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 13.49% signifying inadequate buffers against its risk based assets

Poor long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0%
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 13.49% signifying inadequate buffers against its risk based assets
The bank has been able to generate a Return on Assets (avg) of 0.76% signifying low profitability per unit of total assets

Flat results in Dec 23

INTEREST EARNED(Q) Lowest at HKD 13,053 MM
PBDIT(Q) Lowest at HKD -473 MM.
OPERATING PROFIT TO NET SALES (Q) Lowest at -3.62%

With ROA of 0.50%, it has a Expensive valuation with a 0.10 Price to Book Value

The stock is trading at a fair value compared to its peers' average historical valuations
Over the past year, while the stock has generated a return of 35.37%, its profits have risen by 4.8% ; the PEG ratio of the company is 0.2

Real-Time Research Report

Verdict Report

How much should you sell?

All quantity irrespective of whether you are making profits or losses

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)

When to re-enter? - We will constantly monitor the company and review our call based on new data

Is Chongqing Rural Commercial Bank Co., Ltd. for you?

Low Risk, High Return

Absolute

Risk Adjusted

Volatility

Chongqing Rural Commercial Bank Co., Ltd.

35.37%

2.18

31.28%

Hang Seng Hong Kong

27.36%

1.06

25.88%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

-0.28%

EBIT Growth (5y)

3.04%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

30.66%

Pledged Shares

Institutional Holding

0.00%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

0.10

EV to EBIT

32.58

EV to EBITDA

30.50

EV to Capital Employed

0.77

EV to Sales

8.77

PEG Ratio

0.24

Dividend Yield

ROCE (Latest)

2.37%

ROE (Latest)

8.89%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

RSI

No Signal

Bollinger Bands

Bearish

Mildly Bullish

Moving Averages

Mildly Bullish (Daily)

KST

Bullish

Dow Theory

Mildly Bearish

Mildly Bullish

OBV

Mildly Bearish

Bullish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

Not enough Data to analyse Financial Trend

Here's what is working for Chongqing Rural Commercial Bank Co., Ltd.

Gross NPA - Quarterly

Lowest at 1.03 %

in the last five periods

MOJO Watch

Proportion of stressed loans given by the bank are falling

Gross NPA (%)

CAR - Quarterly

Highest at 15.99 %

in the last five periods

MOJO 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 Chongqing Rural Commercial Bank Co., Ltd.

Interest Earned - Quarterly

At HKD 13,053 MM has Fallen at -7.0 %

over average Interest Earned of the previous four periods of HKD 14,041 MM

MOJO Watch

Near term sales trend is very negative

Interest Earned (HKD MM)

Profit After Tax (PAT) - Quarterly

At HKD 1,060 MM has Fallen at -66.1 %

over average PAT of the previous four periods of HKD 3,124 MM

MOJO Watch

Near term PAT trend is very negative

PAT (HKD MM)

Profit Before Tax less Other Income (PBT) - Quarterly

At HKD -459 MM has Fallen at -120.8 %

over average PBT of the previous four periods of HKD 2,208 MM

MOJO Watch

Near term PBT trend is very negative

PBT less Other Income (HKD MM)

Interest Earned - Quarterly

Lowest at HKD 13,053 MM

in the last five periods

MOJO Watch

Near term sales trend is negative

Interest Earned (HKD MM)

Operating Profit (PBDIT) - Quarterly

Lowest at HKD -473 MM.

in the last five periods

MOJO Watch

Near term Operating Profit trend is negative

Operating Profit (HKD MM)

Operating Profit Margin - Quarterly

Lowest at -3.62%

in the last five quarters

MOJO Watch

Company's efficiency has deteriorated

Operating Profit to Sales (HKD MM)

Profit Before Tax less Other Income (PBT) - Quarterly

Lowest at HKD -459 MM.

in the last five periods

MOJO Watch

Near term PBT trend is negative

PBT less Other Income (HKD MM)

Profit After Tax (PAT) - Quarterly

Lowest at HKD 1,060 MM.

in the last five periods

MOJO Watch

Near term PAT trend is negative

PAT (HKD MM)

Earnings per Share (EPS) - Quarterly

Lowest at HKD 0.09

in the last five periods

MOJO Watch

Declining profitability; company has created lower earnings for shareholders

EPS (HKD)