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 24
- GROSS NPA (%)(Q) Lowest at 1.24%
- NII(Q) Highest at HKD 3,831.09 MM
- NET SALES(Q) Highest at HKD 9,058.18 MM
4
With ROA of 0.88%, it has a Expensive valuation with a 0.11 Price to Book Value
- Over the past year, while the stock has generated a return of 5.88%, its profits have risen by 6.5% ; the PEG ratio of the company is 0.1
5
Underperformed the market in the last 1 year
- The stock has generated a return of 5.88% in the last 1 year, much lower than market (Hang Seng Hong Kong) returns of 26.67%
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?
Low Risk, Low Return
Absolute
Risk Adjusted
Volatility
Weihai City Commercial Bank Co., Ltd.
5.88%
0.75
18.31%
Hang Seng Hong Kong
27.36%
1.03
25.88%
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
33.94%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
1
Industry P/E
Price to Book Value
0.11
EV to EBIT
28.12
EV to EBITDA
25.14
EV to Capital Employed
0.79
EV to Sales
5.00
PEG Ratio
0.08
Dividend Yield
3.75%
ROCE (Latest)
2.81%
ROE (Latest)
21.59%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
Bearish
Bollinger Bands
Bullish
Bullish
Moving Averages
Mildly Bearish (Daily)
KST
Bullish
Bullish
Dow Theory
No Trend
Mildly Bullish
OBV
No Trend
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend
Not enough Data to analyse Financial Trend
Not enough Data to analyse Financial Trend
Here's what is working for Weihai City Commercial Bank Co., Ltd.
Non Performing Loans (%)
Lowest at 1.24%
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 3,831.09 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (HKD MM)
Net Sales
Highest at HKD 9,058.18 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (HKD MM)
Depreciation
Highest at HKD 209 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 209 MM has Grown at 23.94%
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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