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 13.25%
- 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 Sep 25
- NII(Q) Highest at CNY 852.53 MM
- OPERATING PROFIT(Q) Highest at CNY 415.05 MM
- OPERATING PROFIT MARGIN(Q) Highest at 23.71 %
3
With ROA of 0.67%, it has a fair valuation with a 0.55 Price to Book Value
- Over the past year, while the stock has generated a return of 4.61%, its profits have risen by 7%
- At the current price, the company has a high dividend yield of 3.3
4
Underperformed the market in the last 1 year
- The stock has generated a return of 4.61% in the last 1 year, much lower than market (China Shanghai Composite) returns of 22.49%
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, Low Return
Absolute
Risk Adjusted
Volatility
Zhejiang Shaoxing Ruifeng Rural Commercial Bank Co. Ltd.
-25.37%
0.52
18.10%
China Shanghai Composite
16.78%
1.58
14.20%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
37.85%
EBIT Growth (5y)
-2.29%
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
20.96%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
4
Industry P/E
Price to Book Value
0.40
EV to EBIT
25.68
EV to EBITDA
25.07
EV to Capital Employed
0.78
EV to Sales
6.20
PEG Ratio
NA
Dividend Yield
4.43%
ROCE (Latest)
3.04%
ROE (Latest)
9.73%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Bearish
Moving Averages
Bearish (Daily)
KST
Bearish
Bearish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
Mildly Bullish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend6What is working for the Company
OPERATING CASH FLOW(Y)
Highest at CNY 5,030.01 MM
NII(Q)
Highest at CNY 878.53 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 85.75%
-2What is not working for the Company
NET PROFIT(Q)
Lowest at CNY 422.18 MM
EPS(Q)
Lowest at CNY 0.22
Here's what is working for Zhejiang Shaoxing Ruifeng Rural Commercial Bank Co. Ltd.
Operating Cash Flow
Highest at CNY 5,030.01 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (CNY MM)
NII
Highest at CNY 878.53 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (CNY MM)
Credit Deposit Ratio
Highest at 85.75%
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 (%)
Here's what is not working for Zhejiang Shaoxing Ruifeng Rural Commercial Bank Co. Ltd.
Net Profit
Lowest at CNY 422.18 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is negative
Net Profit (CNY MM)
EPS
Lowest at CNY 0.22
in the last five periodsMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (CNY)
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