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 -23.86%, 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 -23.86% 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.
-22.37%
0.22
18.27%
China Shanghai Composite
23.91%
1.73
13.79%
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
0.41
EV to EBIT
34.30
EV to EBITDA
32.24
EV to Capital Employed
0.82
EV to Sales
6.70
PEG Ratio
NA
Dividend Yield
4.24%
ROCE (Latest)
2.38%
ROE (Latest)
7.96%
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
Bearish
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 Trend11What is working for the Company
ROCE(HY)
Highest at 0.6%
NII(Q)
Highest at CNY 1,938.53 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 89.4%
OPERATING PROFIT(Q)
Highest at CNY 1,216.22 MM
OPERATING PROFIT MARGIN(Q)
Highest at 33.39 %
PRE-TAX PROFIT(Q)
Highest at CNY 1,467.65 MM
NET PROFIT(Q)
Highest at CNY 1,247.82 MM
-2What is not working for the Company
ROCE(HY)
Lowest at 0.6%
Here's what is working for Qingdao Rural Commercial Bank Corp.
NII
Highest at CNY 1,938.53 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (CNY MM)
Operating Profit
Highest at CNY 1,216.22 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (CNY MM)
Operating Profit Margin
Highest at 33.39 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at CNY 1,467.65 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 1,467.65 MM has Grown at 94.71%
over average net sales of the previous four periods of CNY 753.76 MMMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (CNY MM)
Net Profit
Highest at CNY 1,247.82 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (CNY MM)
Net Profit
At CNY 1,247.82 MM has Grown at 67.31%
over average net sales of the previous four periods of CNY 745.8 MMMOJO Watch
Near term Net Profit trend is positive
Net Profit (CNY MM)
Credit Deposit Ratio
Highest at 89.4%
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 (%)
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