ScoreWhy is Qingdao Rural Commercial Bank Corp. ?
1
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 11.36% 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% and Net profit at 0.20%
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 11.36% signifying inadequate buffers against its risk based assets
- The bank has been able to generate a Return on Assets (avg) of 0.58% signifying low profitability per unit of total assets
2
Poor long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 0.20%
- ROCE(HY) Highest at 0.6%
- NII(Q) Highest at CNY 1,938.53 MM
- CREDIT DEPOSIT RATIO(HY) Highest at 89.4%
3
With ROA of 0.57%, it has a fair valuation with a 0.41 Price to Book Value
- Over the past year, while the stock has generated a return of -23.51%, its profits have risen by 9%
- At the current price, the company has a high dividend yield of 4.2
4
Below par performance in long term as well as near term
- Along with generating -23.51% returns in the last 1 year, the stock has also underperformed China Shanghai Composite in the last 3 years, 1 year and 3 months
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Qingdao Rural Commercial Bank Corp. 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 Qingdao Rural Commercial Bank Corp. for you?
Low Risk, Low Return
Absolute
Risk Adjusted
Volatility
Qingdao Rural Commercial Bank Corp.
-7.57%
0.20
18.22%
China Shanghai Composite
3.23%
1.20
14.07%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
-0.97%
EBIT Growth (5y)
4.57%
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
23.09%
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
0.40
EV to EBIT
34.19
EV to EBITDA
32.14
EV to Capital Employed
0.81
EV to Sales
6.68
PEG Ratio
NA
Dividend Yield
4.33%
ROCE (Latest)
2.38%
ROE (Latest)
7.96%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Bearish
RSI
No Signal
No Signal
Bollinger Bands
Sideways
Bearish
Moving Averages
Bearish (Daily)
KST
Bullish
Bearish
Dow Theory
Mildly Bearish
No Trend
OBV
Mildly Bearish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend5What is working for the Company
OPERATING CASH FLOW(Y)
Highest at CNY 14,236.01 MM
ROCE(HY)
Highest at 0.6%
CASH AND EQV(HY)
Highest at CNY 57,282.37 MM
-5What is not working for the Company
ROCE(HY)
Lowest at 0.6%
NII(Q)
Lowest at CNY 1,819.44 MM
NET SALES(Q)
Lowest at CNY 3,456.49 MM
Here's what is working for Qingdao Rural Commercial Bank Corp.
Operating Cash Flow
Highest at CNY 14,236.01 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (CNY MM)
Cash and Eqv
Highest at CNY 57,282.37 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 Qingdao Rural Commercial Bank Corp.
NII
Lowest at CNY 1,819.44 MM
in the last five periodsMOJO Watch
The bank's income from core business is falling
NII (CNY MM)
Net Sales
Lowest at CNY 3,456.49 MM
in the last five periodsMOJO Watch
Near term sales trend is negative
Net Sales (CNY MM)
Capital Adequacy Ratio
Lowest at 11.68%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
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