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 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
2
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%
3
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 ReportHow much should you hold?
- Overall Portfolio exposure to Xiamen Bank Co., Ltd. should be less than 10%
- Overall Portfolio exposure to Major Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Major Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Xiamen Bank Co., Ltd. for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
Xiamen Bank Co., Ltd.
5.78%
1.15
29.20%
China Shanghai Composite
19.22%
1.58
14.20%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
-6.91%
EBIT Growth (5y)
11.38%
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
27.76%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
8
Industry P/E
Price to Book Value
0.71
EV to EBIT
67.10
EV to EBITDA
61.95
EV to Capital Employed
0.96
EV to Sales
19.32
PEG Ratio
NA
Dividend Yield
1.85%
ROCE (Latest)
1.42%
ROE (Latest)
9.34%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
No Trend
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend7What is working for the Company
NII(Q)
Highest at CNY 1,161.85 MM
NET SALES(Q)
Highest at CNY 3,023.37 MM
OPERATING PROFIT(Q)
Highest at CNY 630.7 MM
OPERATING PROFIT MARGIN(Q)
Highest at 20.86 %
-3What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at CNY 2,571.73 MM
Here's what is working for Xiamen Bank Co., Ltd.
NII
Highest at CNY 1,161.85 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 CNY 3,023.37 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (CNY MM)
Operating Profit
Highest at CNY 630.7 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (CNY MM)
Operating Profit Margin
Highest at 20.86 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Here's what is not working for Xiamen Bank Co., Ltd.
Operating Cash Flow
Lowest at CNY 2,571.73 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)
Capital Adequacy Ratio
Lowest at 10.2%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
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