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Bank of Tianjin Co., Ltd. Class H (HK:1578)
:1578

Bank of Tianjin Co., Ltd. Class H (1578) AI Stock Analysis

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HK

Bank of Tianjin Co., Ltd. Class H

(Frankfurt:1578)

Rating:64Neutral
Price Target:
Bank of Tianjin's stock shows a relatively balanced profile. The strong valuation with a low P/E ratio and high dividend yield is a major highlight, appealing to value and income investors. However, mixed financial performance, especially declining revenue and negative operating cash flow, poses significant risks. The positive technical trends provide some short-term optimism, but careful monitoring of financial health is advised.

Bank of Tianjin Co., Ltd. Class H (1578) vs. iShares MSCI Hong Kong ETF (EWH)

Bank of Tianjin Co., Ltd. Class H Business Overview & Revenue Model

Company DescriptionBank of Tianjin Co., Ltd. Class H (1578) is a commercial bank headquartered in Tianjin, China. The bank provides a range of financial products and services, primarily focusing on corporate banking, retail banking, and treasury operations. It offers deposit products, loans, and other credit facilities to individual and corporate clients. The bank also provides wealth management, foreign exchange, and other financial services.
How the Company Makes MoneyBank 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 pays interest on deposits, with the difference constituting its net interest income. Additionally, the bank earns fees and commissions from various banking services, such as wealth management, payment services, and foreign exchange transactions. Treasury operations, including investments in securities and capital market activities, also contribute to its revenue. Strategic partnerships with other financial institutions and businesses may enhance the bank's service offerings and revenue streams.

Bank of Tianjin Co., Ltd. Class H Financial Statement Overview

Summary
Bank of Tianjin shows mixed financial performance with solid equity management and improved leverage but faces challenges in revenue growth and cash flow sustainability. The strong equity base provides a buffer against financial volatility, though operational cash flows need careful monitoring to ensure long-term financial health.
Income Statement
55
Neutral
The revenue decreased significantly in 2024 compared to the prior year, indicating potential challenges in maintaining growth momentum. However, net income has shown resilience with a slight increase. The absence of EBIT and EBITDA data for 2024 limits further profitability analysis.
Balance Sheet
70
Positive
The company maintains a strong equity position with a healthy equity ratio, indicating stability. The debt-to-equity ratio has improved with no total debt reported in 2024, reflecting a strong deleveraging effort. The return on equity remained relatively consistent, showing effective use of equity capital.
Cash Flow
50
Neutral
The operating cash flow turned negative in 2024, raising concerns about cash generation from operations. Free cash flow also decreased significantly, indicating potential liquidity issues. However, the company has managed to maintain substantial cash reserves.
Breakdown
TTMDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income StatementTotal Revenue
9.40B15.80B8.69B12.89B18.16B16.24B
Gross Profit
28.35B15.80B16.35B12.89B18.16B16.24B
EBIT
4.63B10.80B4.05B22.72B3.42B5.00B
EBITDA
342.80M0.000.000.000.000.00
Net Income Common Stockholders
4.40B3.80B3.76B3.56B3.20B4.31B
Balance SheetCash, Cash Equivalents and Short-Term Investments
41.78B109.51B78.22B75.60B64.18B66.36B
Total Assets
871.12B925.99B840.77B761.08B719.90B687.76B
Total Debt
96.08B0.0084.35B94.63B99.53B109.76B
Net Debt
54.29B-109.51B-78.22B19.03B35.35B43.41B
Total Liabilities
96.08B856.58B775.74B94.63B99.53B109.76B
Stockholders Equity
65.62B68.55B64.19B59.78B56.70B53.13B
Cash FlowFree Cash Flow
-10.40B-11.41B21.19B16.51B-8.18B6.42B
Operating Cash Flow
-10.34B-11.02B21.68B17.18B-7.47B7.31B
Investing Cash Flow
2.41B-667.42M-10.46B-2.01B12.22B-5.11B
Financing Cash Flow
5.00B23.18B-12.65B-8.33B-14.14B-17.22B

Bank of Tianjin Co., Ltd. Class H Technical Analysis

Technical Analysis Sentiment
Positive
Last Price2.20
Price Trends
50DMA
1.94
Positive
100DMA
1.78
Positive
200DMA
1.67
Positive
Market Momentum
MACD
0.08
Negative
RSI
71.97
Negative
STOCH
73.82
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 2.2 is above the 20-day moving average (MA) of 2.11, above the 50-day MA of 1.94, and above the 200-day MA of 1.67, indicating a bullish trend. The MACD of 0.08 indicates Negative momentum. The RSI at 71.97 is Negative, neither overbought nor oversold. The STOCH value of 73.82 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

Overall Rating
UnderperformOutperform
Sector (64)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
82
Outperform
$2.17T6.3810.80%4.54%-0.43%11.31%
80
Outperform
$707.57B5.52
12.03%0.12%
77
Outperform
$1.65T5.309.57%91.89%6.59%-0.89%
74
Outperform
$1.28T8.4114.86%4.07%-2.77%0.10%
72
Outperform
$220.88B6.475.54%5.36%-7.94%-13.51%
64
Neutral
$12.73B9.927.90%78.88%12.06%-7.95%
64
Neutral
€13.48B3.275.66%6.69%-1.03%0.43%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
HK:1578
Bank of Tianjin Co., Ltd. Class H
2.20
0.63
40.40%
HK:1288
Agricultural Bank of China
5.56
2.29
69.82%
HK:3328
Bank of Communications Co
7.30
1.94
36.24%
HK:3968
China Merchants Bank Co
53.10
19.80
59.47%
HK:1988
China Minsheng Banking
4.57
1.97
76.04%
HK:3988
Bank of China
4.54
1.19
35.32%

Bank of Tianjin Co., Ltd. Class H Corporate Events

Bank of Tianjin Reports Strong Q1 2025 Financial Performance
Apr 30, 2025

In the first quarter of 2025, Bank of Tianjin reported a solid financial performance with total assets reaching RMB945.78 billion, marking a 2.14% increase from the start of the year. The bank’s operating income rose by 2.43% to RMB4.217 billion, while net profit increased by 3.77% to RMB1.1 billion. The bank maintained a stable non-performing loan ratio and enhanced its risk management capabilities. It also made significant strides in technology finance, green finance, and inclusive finance, including the issuance of Tianjin’s first energy efficiency rating-linked loan and the first green intellectual property-backed loan.

Bank of Tianjin Announces Leadership and Structural Changes
Apr 17, 2025

Bank of Tianjin Co., Ltd. has announced significant leadership and structural changes following its first meeting of the eighth session of the Board of Directors. Key developments include the re-election of Mr. Yu Jianzhong as chairman, the formation of a new Digital Finance Committee to advance digital banking capabilities, and the appointment of various committee members to strengthen governance and strategic direction.

Bank of Tianjin Announces Board Composition and Governance Structure
Apr 17, 2025

Bank of Tianjin Co., Ltd. has announced the composition of its board of directors, detailing the roles and functions of each member. The board has established seven committees to enhance its governance structure, with each director serving on various committees to oversee strategic development, audit, risk management, and other key areas. This announcement underscores the company’s commitment to robust governance and strategic oversight, potentially impacting its operational efficiency and stakeholder confidence.

Bank of Tianjin Successfully Concludes 2024 AGM with All Resolutions Passed
Apr 17, 2025

Bank of Tianjin Co., Ltd. announced the successful completion of its 2024 Annual General Meeting (AGM) held on April 17, 2025, where all proposed resolutions were passed. The meeting saw participation from shareholders representing approximately 64.25% of the total voting shares, and key resolutions included the approval of financial accounts, profit distribution, and the re-election of board members, which are expected to strengthen the bank’s governance and operational strategies.

Bank of Tianjin Updates Final Dividend for 2024
Apr 17, 2025

Bank of Tianjin Co., Ltd. has announced an update to its final cash dividend for the year ended December 31, 2024. The dividend will be paid in Hong Kong dollars at a rate of HKD 1.471902 per 10 shares, with an exchange rate of RMB 1 to HKD 1.075951. The payment date is set for June 12, 2025, following shareholder approval on April 17, 2025. The announcement includes details on withholding tax rates applicable to non-resident shareholders, which may impact the net dividend received by international investors.

Bank of Tianjin Announces 2024 AGM and Key Resolutions
Mar 26, 2025

Bank of Tianjin Co., Ltd. has announced its 2024 Annual General Meeting scheduled for April 17, 2025, where shareholders will consider and approve various resolutions. These include financial reports, profit distribution, budget plans, and the re-election and appointment of directors, which are crucial for the company’s strategic direction and governance.

Bank of Tianjin Announces Final Dividend for 2024
Mar 20, 2025

Bank of Tianjin Co., Ltd. has announced a final cash dividend for the year ended December 31, 2024, with a declared amount of RMB 1.368 per 10 shares. The dividend is set to be approved by shareholders on April 17, 2025, with the payment date scheduled for June 12, 2025. The announcement details withholding tax rates applicable to non-resident shareholders, with a standard rate of 10% for both enterprise and individual shareholders, subject to adjustments based on applicable tax treaties.

Bank of Tianjin Announces Board Resignations and New Director Nominations
Mar 20, 2025

Bank of Tianjin Co., Ltd. announced the resignation of two non-executive directors, Mr. Zhao Wei and Ms. Li Jun, due to work re-arrangements, effective March 20, 2025. The bank expressed gratitude for their contributions and confirmed there were no disagreements with the board. Additionally, the bank proposed the re-election and appointment of directors for the eighth session of its board, with the nominations to be decided at the upcoming annual general meeting. The new board session will have a term of three years, and the appointments are subject to approval by the Tianjin Financial Regulatory Bureau.

Bank of Tianjin Announces Board Composition and Committee Roles
Mar 20, 2025

Bank of Tianjin Co., Ltd. announced the composition of its board of directors, detailing the roles and functions of each member. The board consists of executive, non-executive, and independent non-executive directors, and has established six committees to oversee various aspects of the bank’s operations. This announcement reflects the bank’s structured governance approach, which may influence its strategic direction and operational efficiency.

Bank of Tianjin Releases 2024 Annual Results
Mar 20, 2025

Bank of Tianjin Co., Ltd. has announced its audited consolidated annual results for the year ending December 31, 2024. The results have been reviewed and confirmed by the Board and the Audit Committee, and the full annual report is available on the websites of both the Hong Kong Exchanges and Clearing Limited and the Bank. This announcement aligns with the listing rules of the Stock Exchange of Hong Kong, ensuring transparency and compliance for stakeholders.

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.