Bank of Tianjin Co., Ltd. Class H (HK:1578)
:1578
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Bank of Tianjin Co., Ltd. Class H
(1578)
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Rating:64Neutral
Price Target:
HK$2.50
▲(3.31% Upside)
Action:ReiteratedDate:12/30/25
The score is driven primarily by mixed financial performance: strong balance-sheet deleveraging and steady equity growth are offset by volatile and recently negative cash flows plus inconsistent profitability signals. Valuation is a key support (very low P/E and high yield), while technical indicators are broadly neutral with a slight bearish tilt due to negative MACD and price below mid-term moving averages.
Positive Factors
Balance Sheet Strength
The significant reduction in leverage enhances financial flexibility, reduces risk, and positions the bank well for future growth opportunities.
Negative Factors
Cash Flow Volatility
Negative cash flow introduces uncertainty around liquidity and capital flexibility, potentially impacting operational stability and growth investments.
Read all positive and negative factors
Positive Factors
Negative Factors
Balance Sheet Strength
The significant reduction in leverage enhances financial flexibility, reduces risk, and positions the bank well for future growth opportunities.
Read all positive factors
Bank of Tianjin Co., Ltd. Class H (1578) vs. iShares MSCI Hong Kong ETF (EWH)
Market Cap
HK$14.39B
Dividend Yield6.13%
Average Volume (3M)192.40K
Price to Earnings (P/E)1.9
Beta (1Y)0.37
Revenue Growth-3.34%
EPS Growth-22.01%
CountryHK
Employees6,639
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.34
Shares Outstanding1,764,599,000
10 Day Avg. Volume253,600
30 Day Avg. Volume192,400
Financial Highlights & Ratios
PEG Ratio1.69
Price to Book (P/B)0.15
Price to Sales (P/S)0.66
P/FCF Ratio-0.91
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Bank of Tianjin Co., Ltd. Class H Business Overview & Revenue Model
Company Description
Bank of Tianjin Co., Ltd. provides a range of banking and related financial services primarily in the People's Republic of China. It operates through Corporate Banking, Personal Banking, and Treasury Operations segments. The Corporate Banking segm...
How the Company Makes Money
Bank of Tianjin Co., Ltd. makes money primarily through interest income generated from its lending activities, including personal loans, mortgages, and corporate loans. The bank earns interest on the credit it extends to customers, while it also p...
Bank of Tianjin Co., Ltd. Class H Financial Statement Overview
Summary
Income Statement
63
Positive
Balance Sheet
72
Positive
Cash Flow
41
Neutral
| Breakdown | TTM | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 6.71B | 15.80B | 8.69B | 8.23B | 7.84B | 8.97B |
| Gross Profit | 6.71B | 15.80B | 16.35B | 8.23B | 7.84B | 8.97B |
| EBITDA | 0.00 | 0.00 | 0.00 | 4.62B | 4.24B | 0.00 |
| Net Income | 3.18B | 3.80B | 3.76B | 3.56B | 3.20B | 4.31B |
Balance Sheet | ||||||
| Total Assets | 965.67B | 925.99B | 840.77B | 761.08B | 719.90B | 687.76B |
| Cash, Cash Equivalents and Short-Term Investments | 93.26B | 109.51B | 78.22B | 75.60B | 64.18B | 66.36B |
| Total Debt | 148.69B | 34.01B | 84.35B | 94.63B | 99.53B | 109.76B |
| Total Liabilities | 895.76B | 856.58B | 775.74B | 700.46B | 662.36B | 633.81B |
| Stockholders Equity | 69.04B | 68.55B | 64.19B | 59.78B | 56.70B | 53.13B |
Cash Flow | ||||||
| Free Cash Flow | -5.71B | -11.41B | 21.19B | 16.51B | -8.18B | 6.42B |
| Operating Cash Flow | -5.51B | -11.02B | 21.68B | 17.18B | -7.47B | 7.31B |
| Investing Cash Flow | -333.71M | -667.42M | -10.46B | -2.01B | 12.22B | -5.11B |
| Financing Cash Flow | 11.59B | 23.18B | -12.65B | -8.33B | -14.14B | -17.22B |
Bank of Tianjin Co., Ltd. Class H Technical Analysis
Positive
2.42
Price Trends
2.35
Positive
2.40
Negative
2.46
Negative
Market Momentum
>-0.01
Negative
54.79
Neutral
31.60
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HK:1578, the sentiment is Positive. The current price of 2.42 is above the 20-day moving average (MA) of 2.32, above the 50-day MA of 2.35, and below the 200-day MA of 2.46, indicating a neutral trend. The MACD of >-0.01 indicates Negative momentum. The RSI at 54.79 is Neutral, neither overbought nor oversold. The STOCH value of 31.60 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for HK:1578.
Bank of Tianjin Co., Ltd. Class H Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
68 Neutral | HK$16.03B | 7.00 | 5.34% | 3.57% | 6.65% | 16.74% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
64 Neutral | HK$14.39B | 1.90 | 4.62% | 6.13% | -3.34% | -22.01% | |
64 Neutral | HK$15.89B | 4.21 | 3.63% | 1.89% | -5.02% | -3.28% | |
59 Neutral | HK$14.59B | 3.84 | 7.19% | 5.32% | -1.24% | 4.34% | |
57 Neutral | HK$14.56B | 2.83 | 4.11% | ― | -5.76% | 18.15% | |
57 Neutral | HK$12.24B | 1.68 | 3.11% | 4.24% | -7.58% | 12.65% |
* Financial Sector Average
HK:1578
Bank of Tianjin Co., Ltd. Class H
2.37
0.77
47.76%
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1.02
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22.30%
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0.82
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Bank of Tianjin Co., Ltd. Class H Corporate Events
Bank of Tianjin Shareholders Approve Appointment of New Independent Director
Dec 24, 2025
Bank of Tianjin shareholders approved, by poll at the bank’s second extraordinary general meeting of 2025, the appointment of Han Liang as an independent non-executive director, with the resolution receiving 100% of the valid votes cast. The...
Bank of Tianjin Announces 2025 Second Extraordinary General Meeting
Dec 3, 2025
Bank of Tianjin Co., Ltd. has announced the convening of its 2025 second extraordinary general meeting (EGM) on December 24, 2025, in Tianjin, China. The primary agenda is the proposed appointment of Mr. Han Liang as an independent non-executive d...
Bank of Tianjin Proposes New Independent Non-Executive Director
Dec 1, 2025
Bank of Tianjin Co., Ltd. has proposed the appointment of Mr. Han Liang as an independent non-executive director, pending approval from shareholders and the Tianjin Financial Regulatory Bureau. Mr. Han, a professor with extensive experience in law...
Bank of Tianjin Reports Growth in Assets and Strategic Initiatives in 2025
Oct 31, 2025
Bank of Tianjin reported steady operational performance for the first nine months of 2025, with total assets increasing by 4.63% to RMB968.903 billion and operating income rising by 0.48% to RMB12.939 billion. The bank has been actively enhancing ...
Bank of Tianjin Enhances Governance with New Audit Committee Terms
Oct 30, 2025
Bank of Tianjin Co., Ltd. has established a new set of Terms of Reference for its Audit Committee to enhance corporate governance, internal supervision, and risk control. The Audit Committee, accountable to the Board of Directors, is tasked with i...
Bank of Tianjin Enhances Governance with New Committee
Oct 30, 2025
Bank of Tianjin Co., Ltd. has established a Nomination and Remuneration Committee under its Board of Directors to enhance its corporate governance structure. This committee is tasked with overseeing the election procedures for directors and senior...
Bank of Tianjin Enhances Governance with New Committee
Oct 30, 2025
Bank of Tianjin Co., Ltd. has established a Nomination and Remuneration Committee to improve its governance structure and decision-making efficiency. This committee is responsible for setting procedures and standards for electing directors and sen...
Bank of Tianjin Announces Regulatory Approval and Structural Changes
Oct 30, 2025
The Bank of Tianjin Co., Ltd. announced the approval of amendments to its Articles of Association by the Tianjin Financial Regulatory Bureau, effective October 22, 2025. This approval leads to the cancellation of the Board of Supervisors and its s...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.