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 -0.79%
- 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 -0.79%
3
With a growth in Interest of NAN%, the company declared Very Positive results in Sep 25
- ROCE(HY) Highest at 0.57%
- GROSS NPA (%)(Q) Lowest at 1.57%
- NII(Q) Highest at CNY 1,885.89 MM
4
With ROA of 0.40%, it has a fair valuation with a 0.48 Price to Book Value
- Over the past year, while the stock has generated a return of -3.93%, its profits have risen by 10.1% ; the PEG ratio of the company is 0.6
- At the current price, the company has a high dividend yield of 3.8
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.
-1.31%
0.36
20.60%
China Shanghai Composite
13.33%
0.90
14.74%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
1.05%
EBIT Growth (5y)
2.95%
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
25.49%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
6
Industry P/E
Price to Book Value
0.48
EV to EBIT
51.26
EV to EBITDA
47.44
EV to Capital Employed
0.86
EV to Sales
7.75
PEG Ratio
0.62
Dividend Yield
3.81%
ROCE (Latest)
1.68%
ROE (Latest)
7.67%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Bearish
Moving Averages
Bearish (Daily)
KST
Mildly Bullish
Mildly Bearish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend12What is working for the Company
ROCE(HY)
Highest at 0.57%
GROSS NPA (%)
(Q
NII(Q)
Highest at CNY 1,885.89 MM
CASH AND EQV(HY)
Highest at CNY 53,210.03 MM
PRE-TAX PROFIT(Q)
Highest at CNY 1,344.29 MM
NET PROFIT(Q)
Highest at CNY 1,183.4 MM
-3What is not working for the Company
ROCE(HY)
Lowest at 0.57%
NET SALES(Q)
Lowest at CNY 3,791.2 MM
Here's what is working for Qingdao Rural Commercial Bank Corp.
Non Performing Loans (%)
Lowest at 1.57%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are falling
Non Performing Loans (%)
NII
Highest at CNY 1,885.89 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (CNY MM)
Pre-Tax Profit
Highest at CNY 1,344.29 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (CNY MM)
Pre-Tax Profit
At CNY 1,344.29 MM has Grown at 92.78%
over average net sales of the previous four periods of CNY 697.31 MMMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (CNY MM)
Net Profit
Highest at CNY 1,183.4 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (CNY MM)
Net Profit
At CNY 1,183.4 MM has Grown at 68.01%
over average net sales of the previous four periods of CNY 704.35 MMMOJO Watch
Near term Net Profit trend is positive
Net Profit (CNY MM)
Cash and Eqv
Highest at CNY 53,210.03 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
CASA
Highest at 13.67%
in the last five periodsMOJO 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 Qingdao Rural Commercial Bank Corp.
Net Sales
Lowest at CNY 3,791.2 MM
in the last five periodsMOJO Watch
Near term sales trend is negative
Net Sales (CNY MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
GET THE MARKETSMOJO APP
Company
Stocks
Portfolio
"Investment in securities markets are subject to market risk. Read all the related documents carefully before investing."
