ScoreWhy is Xiamen Bank Co., Ltd. ?
1
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 2.90%
- 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
2
Negative results in Mar 25
- OPERATING CASH FLOW(Y) Lowest at CNY 3,172.42 MM
- NET SALES(Q) Lowest at CNY 2,872.45 MM
- NII(Q) Lowest at CNY 940.26 MM
3
With ROA of 0.39%, it has a expensive valuation with a 0.30 Price to Book Value
- Over the past year, while the stock has generated a return of 41.12%, its profits have risen by 3.7% ; the PEG ratio of the company is 0.8
- At the current price, the company has a high dividend yield of 7.5
Real-Time Research ReportHow 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.
41.12%
1.33
28.45%
China Shanghai Composite
24.3%
1.73
14.01%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
-0.16%
EBIT Growth (5y)
4.63%
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
35.02%
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
0.30
EV to EBIT
66.32
EV to EBITDA
57.75
EV to Capital Employed
0.89
EV to Sales
12.66
PEG Ratio
0.84
Dividend Yield
7.53%
ROCE (Latest)
1.35%
ROE (Latest)
9.80%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
Mildly Bearish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend0What is working for the Company
NO KEY POSITIVE TRIGGERS
-8What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at CNY 3,172.42 MM
NET SALES(Q)
Lowest at CNY 2,872.45 MM
NII(Q)
Lowest at CNY 940.26 MM
CREDIT DEPOSIT RATIO(HY)
Lowest at 108.26%
Here's what is not working for Xiamen Bank Co., Ltd.
Operating Cash Flow
Lowest at CNY 3,172.42 MM and Fallen
In each year in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (CNY MM)
Net Sales
Lowest at CNY 2,872.45 MM and Fallen
In each period in the last five periodsMOJO Watch
Near term sales trend is very negative
Net Sales (CNY MM)
NII
Lowest at CNY 940.26 MM
in the last five periodsMOJO Watch
The bank's income from core business is falling
NII (CNY MM)
Credit Deposit Ratio
Lowest at 108.26%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
Capital Adequacy Ratio
Lowest at 11.86%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
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