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Bank of Tianjin Co., Ltd. Class H
(1578)
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Rating:60Neutral
Price Target:
HK$2.00
▼(-17.36% Downside)
Action:Reiterated
Date:04/08/26
The score is supported primarily by very attractive valuation (low P/E and high dividend yield), but it is held back by weaker financial quality—especially negative operating/free cash flow in the last two years and a sharp 2025 increase in debt. Technicals are mixed, with only modest near-term improvement against a softer longer-term trend.
Positive Factors
Stable Profitability
Consistent annual net income across 2021–2025 indicates a resilient core banking franchise. Stable earnings support internal capital accumulation, predictable dividend capacity and funding of lending activities, reducing reliance on volatile non-core revenue over a multi-month horizon.
Negative Factors
Weak Cash Generation
A sustained shift to negative operating and free cash flow undermines internal funding for loans, investments and dividends. Persistent weak cash conversion forces greater reliance on external funding or asset sales, increasing liquidity and refinancing risk over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Stable Profitability
Consistent annual net income across 2021–2025 indicates a resilient core banking franchise. Stable earnings support internal capital accumulation, predictable dividend capacity and funding of lending activities, reducing reliance on volatile non-core revenue over a multi-month horizon.
Read all positive factors
Bank of Tianjin Co., Ltd. Class H (1578) vs. iShares MSCI Hong Kong ETF (EWH)
Market Cap
HK$12.63B
Dividend Yield7.51%
Average Volume (3M)192.40K
Price to Earnings (P/E)3.0
Beta (1Y)0.49
Revenue Growth-3.62%
EPS Growth1.69%
CountryHK
Employees6,621
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.61
Shares Outstanding1,764,599,000
10 Day Avg. Volume253,600
30 Day Avg. Volume192,400
Financial Highlights & Ratios
PEG Ratio-2.27
Price to Book (P/B)0.19
Price to Sales (P/S)0.44
P/FCF Ratio-1.03
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. delivers a comprehensive suite of banking and financial solutions, primarily serving customers throughout the People's Republic of China. Its operations are structured into three key divisions: Corporate Banking, Personal...
How the Company Makes Money
The company’s earnings primarily come from banking operations. (1) Net interest income: The bank collects interest and fees on loans and other interest-earning assets and pays interest on customer deposits and other funding sources; the spread bet...
Bank of Tianjin Co., Ltd. Class H Financial Statement Overview
Summary
Income Statement
66
Positive
Balance Sheet
58
Neutral
Cash Flow
42
Neutral
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 31.04B | 15.80B | 8.69B | 8.23B | 7.84B |
| Gross Profit | 8.03B | 15.80B | 16.35B | 8.23B | 7.84B |
| EBITDA | 4.72B | 4.89B | 4.71B | 4.62B | 4.24B |
| Net Income | 3.77B | 3.80B | 3.76B | 3.56B | 3.20B |
Balance Sheet | |||||
| Total Assets | 982.82B | 925.99B | 840.77B | 761.08B | 719.90B |
| Cash, Cash Equivalents and Short-Term Investments | 175.95B | 109.51B | 78.22B | 75.60B | 64.18B |
| Total Debt | 282.00B | 34.01B | 84.35B | 94.63B | 99.53B |
| Total Liabilities | 911.64B | 856.58B | 775.74B | 700.46B | 662.36B |
| Stockholders Equity | 70.27B | 68.55B | 64.19B | 59.78B | 56.70B |
Cash Flow | |||||
| Free Cash Flow | -13.18B | -11.41B | 21.19B | 16.51B | -8.18B |
| Operating Cash Flow | -12.88B | -11.02B | 21.68B | 17.18B | -7.47B |
| Investing Cash Flow | 7.04B | -667.42M | -10.46B | -2.01B | 12.22B |
| Financing Cash Flow | 36.37B | 23.18B | -12.65B | -8.33B | -14.14B |
Bank of Tianjin Co., Ltd. Class H Technical Analysis
Neutral
2.42
Price Trends
2.18
Negative
2.21
Negative
2.26
Negative
Market Momentum
-0.04
Negative
48.23
Neutral
43.17
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HK:1578, the sentiment is Neutral. The current price of 2.42 is above the 20-day moving average (MA) of 2.07, above the 50-day MA of 2.18, and above the 200-day MA of 2.26, indicating a neutral trend. The MACD of -0.04 indicates Negative momentum. The RSI at 48.23 is Neutral, neither overbought nor oversold. The STOCH value of 43.17 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral 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$19.03B | 6.31 | 7.72% | 3.57% | 4.05% | 13.13% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
61 Neutral | HK$13.13B | 2.94 | 7.59% | 5.32% | -6.83% | 2.10% | |
60 Neutral | HK$12.63B | 2.95 | 5.25% | 6.13% | -3.62% | 1.69% | |
58 Neutral | HK$10.05B | 2.98 | 3.96% | 4.24% | -6.16% | 4.83% | |
57 Neutral | HK$13.68B | 2.23 | 3.99% | ― | -7.67% | 21.16% | |
46 Neutral | HK$15.38B | 8.03 | 3.77% | 1.89% | ― | ― |
* Financial Sector Average
HK:1578
Bank of Tianjin Co., Ltd. Class H
2.08
-0.36
-14.68%
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0.88
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0.90
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-22.48%
Bank of Tianjin Co., Ltd. Class H Corporate Events
Bank of Tianjin gains regulatory approval for new independent director
May 19, 2026
Bank of Tianjin Co., Ltd., a PRC-incorporated joint stock commercial bank listed in Hong Kong, has a board composed of executive, non-executive and independent non-executive directors, reflecting a diversified governance structure. The bank operat...
Bank of Tianjin Details Board Line-up and Committee Structure to Bolster Governance
May 19, 2026
Bank of Tianjin has outlined the composition of its board of directors, listing executive, non-executive and independent non-executive members, with Chairman Yu Jianzhong and President Wu Hongtao leading the executive team. The announcement clarif...
Bank of Tianjin Posts Stable Q1 2026 Results and Accelerates Digital, Research-Driven Strategy
Apr 29, 2026
Bank of Tianjin reported steady first-quarter 2026 performance, with total assets rising 0.58% since year-end to RMB988.07 billion and customer loans growing 2.18% to RMB489.87 billion. Customer deposits increased 2.31% to RMB553.61 billion, lifti...
Bank of Tianjin shareholders approve 2025 results and RMB830 million dividend
Apr 29, 2026
Bank of Tianjin Co., Ltd. reported that its 2025 annual general meeting was duly convened in Tianjin on 29 April 2026, with shareholders representing about 62.93% of voting shares present. All resolutions, including approval of the 2025 profit dis...
Bank of Tianjin Updates 2025 Final Dividend Terms and Tax Treatment for H Shareholders
Apr 29, 2026
Bank of Tianjin Co., Ltd., a Chinese commercial bank listed in Hong Kong, provides financial services to corporate and individual customers and regularly returns capital to investors through cash dividends on its H shares, reflecting its role in t...
Bank of Tianjin Calls 2025 AGM to Approve Profit Distribution and Governance Reports
Apr 8, 2026
Bank of Tianjin Co., Ltd., a PRC-incorporated joint stock commercial bank, provides banking and financial services primarily in mainland China and does not hold authorization to operate as a banking institution in Hong Kong.The bank has convened i...
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.