ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Harbin Bank Co., Ltd. ?
1
The company has declared Positive results for the last 3 consecutive quarters
- ROCE(HY) Highest at 0.12%
- CREDIT DEPOSIT RATIO(Q) Highest at 2.46%
- NET PROFIT(Q) Highest at HKD 1,923.78 MM
2
With ROA of 0.18%, it has a Very Attractive valuation with a 0.02 Price to Book Value
- Over the past year, while the stock has generated a return of 6.15%, its profits have fallen by 0%
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to Harbin Bank 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 Harbin Bank Co., Ltd. for you?
Medium Risk, Low Return
Absolute
Risk Adjusted
Volatility
Harbin Bank Co., Ltd.
6.15%
-0.04
38.36%
Hang Seng Hong Kong
8.25%
0.41
19.93%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
-0.42%
EBIT Growth (5y)
-20.30%
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
0
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
1
Industry P/E
Price to Book Value
0.02
EV to EBIT
-22.35
EV to EBITDA
25.41
EV to Capital Employed
0.46
EV to Sales
1.36
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
-2.04%
ROE (Latest)
4.08%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Mildly Bearish
Moving Averages
Bearish (Daily)
KST
Mildly Bullish
Mildly Bearish
Dow Theory
Mildly Bearish
No Trend
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend6What is working for the Company
ROCE(HY)
Highest at 0.12%
CREDIT DEPOSIT RATIO(Q)
Highest at 2.46%
NET PROFIT(Q)
Highest at HKD 1,923.78 MM
EPS(Q)
Highest at HKD 0.05
-7What is not working for the Company
ROCE(HY)
Lowest at 0.12%
NII(Q)
Lowest at HKD 4,740.98 MM
NET SALES(Q)
Lowest at HKD 15,172.48 MM
OPERATING PROFIT(Q)
Lowest at HKD -807.21 MM
OPERATING PROFIT MARGIN(Q)
Lowest at -5.32 %
Here's what is working for Harbin Bank Co., Ltd.
Credit Deposit Ratio
Highest at 2.46% and Grown
In each half year in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Net Profit
Highest at HKD 1,923.78 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (HKD MM)
EPS
Highest at HKD 0.05
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (HKD)
Here's what is not working for Harbin Bank Co., Ltd.
NII
Lowest at HKD 4,740.98 MM
in the last five periodsMOJO Watch
The bank's income from core business is falling
NII (HKD MM)
Net Sales
Lowest at HKD 15,172.48 MM
in the last five periodsMOJO Watch
Near term sales trend is negative
Net Sales (HKD MM)
Operating Profit
Lowest at HKD -807.21 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (HKD MM)
Operating Profit Margin
Lowest at -5.32 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
Capital Adequacy Ratio
Lowest at 12.23%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
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