ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Weihai City Commercial Bank Co., Ltd. ?
1
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 11.05% signifying inadequate buffers against its risk based assets
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 11.05% signifying inadequate buffers against its risk based assets
- The bank has been able to generate a Return on Assets (avg) of 0.46% signifying low profitability per unit of total assets
2
Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at -0.76%
3
Positive results in Dec 25
- GROSS NPA (%)(Q) Lowest at 1.17%
- NII(Q) Highest at HKD 4,443.71 MM
- CASH AND EQV(HY) Highest at HKD 33,122.3 MM
4
With ROA of 0.84%, it has a Expensive valuation with a 0.57 Price to Book Value
- Over the past year, while the stock has generated a return of -5.42%, its profits have fallen by -2.2%
5
Consistent Underperformance against the benchmark over the last 3 years
- Along with generating -5.42% returns in the last 1 year, the stock has also underperformed Hang Seng Hong Kong in each of the last 3 annual periods
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Weihai City Commercial Bank Co., Ltd. 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 Weihai City Commercial Bank Co., Ltd. for you?
Medium Risk, Low Return
Absolute
Risk Adjusted
Volatility
Weihai City Commercial Bank Co., Ltd.
-100.0%
0.10
38.12%
Hang Seng Hong Kong
8.76%
0.45
19.63%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
2.50%
EBIT Growth (5y)
-4.24%
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
26.06%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
3
Industry P/E
Price to Book Value
0.57
EV to EBIT
35.53
EV to EBITDA
31.39
EV to Capital Employed
0.91
EV to Sales
6.14
PEG Ratio
NA
Dividend Yield
0.72%
ROCE (Latest)
2.55%
ROE (Latest)
22.46%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Bearish
RSI
Bullish
No Signal
Bollinger Bands
Bullish
Mildly Bearish
Moving Averages
Mildly Bearish (Daily)
KST
Bullish
Bearish
Dow Theory
Mildly Bullish
Bearish
OBV
No Trend
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend11What is working for the Company
GROSS NPA (%)
(Q
NII(Q)
Highest at HKD 4,443.71 MM
CASH AND EQV(HY)
Highest at HKD 33,122.3 MM
NET SALES(Q)
Highest at HKD 9,551.91 MM
OPERATING PROFIT(Q)
Highest at HKD 1,413.72 MM
NET PROFIT(Q)
Highest at HKD 1,691.52 MM
EPS(Q)
Highest at HKD 0.21
0What is not working for the Company
NO KEY NEGATIVE TRIGGERS
Here's what is working for Weihai City Commercial Bank Co., Ltd.
Non Performing Loans (%)
Lowest at 1.17% and Fallen
In each half year in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are falling
Non Performing Loans (%)
NII
Highest at HKD 4,443.71 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Net Sales
Highest at HKD 9,551.91 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (HKD MM)
Operating Profit
Highest at HKD 1,413.72 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (HKD MM)
Net Profit
Highest at HKD 1,691.52 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (HKD MM)
EPS
Highest at HKD 0.21
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (HKD)
Cash and Eqv
Highest at HKD 33,122.3 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Depreciation
Highest at HKD 228.14 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (HKD MM)
Depreciation
At HKD 228.14 MM has Grown at 12.62%
period on period (QoQ)MOJO Watch
The expenditure on assets done by the company has gone into productive use which should positively reflect in the future sales
Depreciation (HKD MM)
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