Xiamen Bank Co., Ltd. (601187) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

Xiamen Bank Co., Ltd.

Why is Xiamen Bank Co., Ltd. ?

Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 11.79% 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 4.11%
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 11.79% signifying inadequate buffers against its risk based assets
The bank has been able to generate a Return on Assets (avg) of 0.64% signifying low profitability per unit of total assets

Negative results in Dec 25

NET SALES(HY) At CNY 3,011.11 MM has Grown at -51.02%
OPERATING CASH FLOW(Y) Lowest at CNY 3,079.34 MM
DIVIDEND PAYOUT RATIO(Y) Lowest at 0%

With ROA of 0.39%, it has a expensive valuation with a 0.65 Price to Book Value

Over the past year, while the stock has generated a return of 38.03%, its profits have risen by 3.7% ; the PEG ratio of the company is 1.8
At the current price, the company has a high dividend yield of 3.5

Real-Time Research Report

Verdict Report

How much should you sell?

All quantity irrespective of whether you are making profits or losses

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Major Banks)

When to re-enter? - We will constantly monitor the company and review our call based on new data

Is Xiamen Bank Co., Ltd. for you?

Medium Risk, High Return

Absolute

Risk Adjusted

Volatility

Xiamen Bank Co., Ltd.

29.76%

1.15

29.20%

China Shanghai Composite

15.17%

1.58

14.20%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

-6.10%

EBIT Growth (5y)

13.85%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

Pledged Shares

Institutional Holding

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

0.65

EV to EBIT

70.25

EV to EBITDA

61.17

EV to Capital Employed

0.95

EV to Sales

13.41

PEG Ratio

1.80

Dividend Yield

3.49%

ROCE (Latest)

1.35%

ROE (Latest)

9.80%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bullish

RSI

No Signal

Bollinger Bands

Mildly Bullish

Bullish

Moving Averages

Bullish (Daily)

KST

Mildly Bearish

Bullish

Dow Theory

Mildly Bullish

No Trend

OBV

No Trend

Mildly Bearish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

3What is working for the Company

NII(Q)

Highest at CNY 1,100.38 MM

OPERATING PROFIT(Q)

Highest at CNY 676.02 MM

-15What is not working for the Company

NET SALES(HY)

At CNY 3,011.11 MM has Grown at -51.02%

OPERATING CASH FLOW(Y)

Lowest at CNY 3,079.34 MM

DIVIDEND PAYOUT RATIO(Y)

Lowest at 0%

DIVIDEND PER SHARE(HY)

Lowest at CNY 0

CREDIT DEPOSIT RATIO(HY)

Lowest at 99.85%

EPS(Q)

Lowest at CNY 0

Here's what is working for Xiamen Bank Co., Ltd.

NII

Highest at CNY 1,100.38 MM

in the last five periods

MOJO Watch

The bank's income from core business is increasing

NII (CNY MM)

Operating Profit

Highest at CNY 676.02 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is positive

Operating Profit (CNY MM)

Here's what is not working for Xiamen Bank Co., Ltd.

Net Sales

At CNY 3,011.11 MM has Grown at -51.02%

Year on Year (YoY)

MOJO Watch

Near term sales trend is very negative

Net Sales (CNY MM)

Operating Cash Flow

Lowest at CNY 3,079.34 MM and Fallen

In each year in the last three years

MOJO Watch

The company's cash revenues from business operations are falling

Operating Cash Flows (CNY MM)

EPS

Lowest at CNY 0

in the last five periods

MOJO Watch

Declining profitability; company has created lower earnings for shareholders

EPS (CNY)

Dividend per share

Lowest at CNY 0

in the last five years

MOJO Watch

Company is distributing lower dividend than previous years

DPS (CNY)

Credit Deposit Ratio

Lowest at 99.85%

in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets

Credit Deposit Ratio (%)

Dividend Payout Ratio

Lowest at 0%

in the last five years

MOJO Watch

Company is distributing lower proportion of profits generated as dividend

DPR (%)