Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
5.35%
EBIT Growth (5y)
-0.35%
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
30.75%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
2
Industry P/E
Price to Book Value
0.15
EV to EBIT
18.14
EV to EBITDA
16.48
EV to Capital Employed
0.50
EV to Sales
2.46
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
2.76%
ROE (Latest)
9.23%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
RSI
No Signal
Bullish
Bollinger Bands
Sideways
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Dow Theory
No Trend
No Trend
OBV
No Trend
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend6What is working for the Company
NII(Q)
Highest at HKD 1,108.79 MM
CASH AND EQV(HY)
Highest at HKD 12,045.55 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 82.73%
NET SALES(Q)
Highest at HKD 2,234.24 MM
EPS(Q)
Highest at HKD 0.06
0What is not working for the Company
NO KEY NEGATIVE TRIGGERS
Here's what is working for Yibin City Commercial Bank Co., Ltd.
NII
Highest at HKD 1,108.79 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (HKD MM)
Net Sales
Highest at HKD 2,234.24 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (HKD MM)
EPS
Highest at HKD 0.06
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (HKD)
Cash and Eqv
Highest at HKD 12,045.55 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Credit Deposit Ratio
Highest at 82.73%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Depreciation
At HKD 30.76 MM has Grown at 6.3%
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)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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