ScoreWhy is Zhejiang Shaoxing Ruifeng Rural Commercial Bank Co. Ltd. ?
1
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 13.72% 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 16.22%
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 13.72% signifying inadequate buffers against its risk based assets
- The bank has been able to generate a Return on Assets (avg) of 0.67% signifying low profitability per unit of total assets
2
Positive results in Mar 25
- OPERATING CASH FLOW(Y) Highest at CNY 2,266.26 MM
- NII(Q) Highest at CNY 780.43 MM
3
With ROA of 0.67%, it has a attractive valuation with a 0.48 Price to Book Value
- Over the past year, while the stock has generated a return of -2.48%, its profits have risen by 7%
- At the current price, the company has a high dividend yield of 3.7
4
Underperformed the market in the last 1 year
- Even though the market (China Shanghai Composite) has generated returns of 14.61% in the last 1 year, the stock has hugely underperformed and has generate negative returns of -2.48% returns
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Zhejiang Shaoxing Ruifeng Rural 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 Zhejiang Shaoxing Ruifeng Rural Commercial Bank Co. Ltd. for you?
Low Risk, Medium Return
Absolute
Risk Adjusted
Volatility
Zhejiang Shaoxing Ruifeng Rural Commercial Bank Co. Ltd.
-1.61%
0.54
19.55%
China Shanghai Composite
15.44%
1.01
14.52%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
50.05%
EBIT Growth (5y)
-1.45%
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
20.42%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
5
Industry P/E
Price to Book Value
0.48
EV to EBIT
25.58
EV to EBITDA
22.93
EV to Capital Employed
0.78
EV to Sales
5.11
PEG Ratio
NA
Dividend Yield
3.74%
ROCE (Latest)
3.06%
ROE (Latest)
10.28%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bullish
RSI
No Signal
No Signal
Bollinger Bands
Sideways
Mildly Bullish
Moving Averages
Bearish (Daily)
KST
Mildly Bullish
Bullish
Dow Theory
Mildly Bearish
Mildly Bullish
OBV
No Trend
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend4What is working for the Company
OPERATING CASH FLOW(Y)
Highest at CNY 2,266.26 MM
NII(Q)
Highest at CNY 780.43 MM
-4What is not working for the Company
CREDIT DEPOSIT RATIO(HY)
Lowest at 83.64%
OPERATING PROFIT(Q)
Lowest at CNY -20.55 MM
OPERATING PROFIT MARGIN(Q)
Lowest at -1.16 %
PRE-TAX PROFIT(Q)
Lowest at CNY 356.83 MM
Here's what is working for Zhejiang Shaoxing Ruifeng Rural Commercial Bank Co. Ltd.
NII
Highest at CNY 780.43 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (CNY MM)
Operating Cash Flow
Highest at CNY 2,266.26 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (CNY MM)
Here's what is not working for Zhejiang Shaoxing Ruifeng Rural Commercial Bank Co. Ltd.
Operating Profit
Lowest at CNY -20.55 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (CNY MM)
Operating Profit Margin
Lowest at -1.16 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
Pre-Tax Profit
Lowest at CNY 356.83 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is negative
Pre-Tax Profit (CNY MM)
Credit Deposit Ratio
Lowest at 83.64%
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 12.86%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
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