ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Harbin Bank Co., Ltd. ?
1
Positive results in Dec 25
- NII(Q) Highest at HKD 5,954.6 MM
- CASH AND EQV(HY) Highest at HKD 110,421.25 MM
- PRE-TAX PROFIT(Q) Highest at HKD 2,176.25 MM
2
With ROA of 0.17%, it has a Very Attractive valuation with a 0.07 Price to Book Value
- Over the past year, while the stock has generated a return of 14.29%, its profits have fallen by 0%
3
Market Beating performance in long term as well as near term
- Along with generating 14.29% returns in the last 1 year, the stock has outperformed Hang Seng Hong Kong in the last 3 years, 1 year and 3 months
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.
14.29%
0.08
35.53%
Hang Seng Hong Kong
8.76%
0.45
19.63%
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
2
Industry P/E
Price to Book Value
0.07
EV to EBIT
-40.35
EV to EBITDA
42.36
EV to Capital Employed
0.61
EV to Sales
2.56
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
-1.50%
ROE (Latest)
3.97%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Bearish
RSI
No Signal
No Signal
Bollinger Bands
Sideways
Bearish
Moving Averages
Mildly Bearish (Daily)
KST
Mildly Bullish
Mildly Bearish
Dow Theory
Mildly Bullish
No Trend
OBV
Mildly Bearish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend13What is working for the Company
NII(Q)
Highest at HKD 5,954.6 MM
CASH AND EQV(HY)
Highest at HKD 110,421.25 MM
PRE-TAX PROFIT(Q)
Highest at HKD 2,176.25 MM
NET PROFIT(Q)
Highest at HKD 2,590.55 MM
-2What is not working for the Company
GROSS NPA (%)
(Q
Here's what is working for Harbin Bank Co., Ltd.
Pre-Tax Profit
At HKD 2,176.25 MM has Grown at 872.29%
Year on Year (YoY)MOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (HKD MM)
Net Profit
At HKD 2,590.55 MM has Grown at 436.22%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is very positive
Net Profit (HKD MM)
NII
Highest at HKD 5,954.6 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (HKD MM)
Pre-Tax Profit
Highest at HKD 2,176.25 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (HKD MM)
Net Profit
Highest at HKD 2,590.55 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (HKD MM)
Cash and Eqv
Highest at HKD 110,421.25 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 Harbin Bank Co., Ltd.
Non Performing Loans (%)
Highest at 2.51%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are increasing
Non Performing Loans (%)
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