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:60Neutral
Price Target:
HK$2.50
▲(3.31% Upside)
Action:ReiteratedDate: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 (net income)
Net income holding around RMB 3.2–3.8B across 2021–2025 provides a reliable earnings base for a regional bank. This steadiness supports recurring distributions and underwriting of credit losses, improving predictability of cash flows and capacity to sustain core banking operations over months.
Negative Factors
Negative operating and free cash flow
The reversal to negative operating and free cash flow in 2024–2025 signals weaker cash conversion and higher cash outflows. Persisting negative cash generation can strain liquidity, force reliance on external funding, and threaten sustainable dividends or loan growth without corrective measures.
Read all positive and negative factors
Positive Factors
Negative Factors
Stable profitability (net income)
Net income holding around RMB 3.2–3.8B across 2021–2025 provides a reliable earnings base for a regional bank. This steadiness supports recurring distributions and underwriting of credit losses, improving predictability of cash flows and capacity to sustain core banking operations over months.
Read all positive factors
Bank of Tianjin Co., Ltd. Class H (1578) vs. iShares MSCI Hong Kong ETF (EWH)
Market Cap
HK$14.33B
Dividend Yield6.13%
Average Volume (3M)192.40K
Price to Earnings (P/E)1.8
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 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. 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
The company makes money mainly through (1) net interest income and (2) non-interest income. Net interest income is earned from the spread between interest income generated on interest-earning assets—primarily loans and advances to corporate and re...
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 | 0.00 | 0.00 | 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 | -56.43B | -667.42M | -10.46B | -2.01B | 12.22B |
| Financing Cash Flow | 64.35B | 23.18B | -12.65B | -8.33B | -14.14B |
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
53.21
Neutral
28.87
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 53.21 is Neutral, neither overbought nor oversold. The STOCH value of 28.87 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$16.15B | 7.00 | 7.72% | 3.57% | 6.65% | 16.74% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
62 Neutral | HK$14.44B | 3.84 | 5.60% | 5.32% | -1.24% | 4.34% | |
60 Neutral | HK$14.33B | 1.84 | 4.62% | 6.13% | -3.34% | -22.01% | |
58 Neutral | HK$12.06B | 1.69 | 3.11% | 4.24% | -7.58% | 12.65% | |
57 Neutral | HK$15.10B | 2.83 | 4.11% | ― | -5.76% | 18.15% | |
54 Neutral | HK$16.01B | -6.21 | 3.63% | 1.89% | -5.02% | -3.28% |
* Financial Sector Average
HK:1578
Bank of Tianjin Co., Ltd. Class H
2.36
0.72
43.81%
HK:6196
Bank of Zhengzhou Co., Ltd. Class H
1.03
0.16
17.98%
HK:9668
China Bohai Bank Co., Ltd. Class H
0.85
0.01
1.19%
HK:9677
Weihai City Commercial Bank Co., Ltd. Class H
2.70
-0.18
-6.25%
HK:1216
Zhongyuan Bank Co., Ltd. Class H
0.33
0.03
10.37%
HK:6199
Bank of Guizhou Co. Ltd. Class H
0.99
-0.02
-1.98%
Bank of Tianjin Co., Ltd. Class H Corporate Events
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...
Bank of Tianjin Announces 2025 Final Dividend and Withholding Tax Arrangements
Mar 30, 2026
Bank of Tianjin Co., Ltd. has proposed a final ordinary cash dividend of RMB 1.368 per 10 H shares for the financial year ended 31 December 2025, with shareholder approval scheduled for 29 April 2026. The dividend will be paid in Hong Kong dollars...
Bank of Tianjin Names Executive Director Dong Xiaodong as Chief Compliance Officer
Mar 30, 2026
Bank of Tianjin has appointed executive director and board secretary Ms. Dong Xiaodong as its chief compliance officer, pending approval of her qualification by the Tianjin arm of China’s National Financial Regulatory Administration. Her ten...
Bank of Tianjin Publishes Audited 2025 Annual Results and Report
Mar 30, 2026
Bank of Tianjin Co., Ltd. has released its audited consolidated annual results for the year ended 31 December 2025, fulfilling disclosure requirements for its Hong Kong listing and making the full 2025 annual report available in both Chinese and E...
Bank of Tianjin Sets March 2026 Board Meeting to Approve 2025 Results and Profit Distribution
Mar 18, 2026
Bank of Tianjin Co., Ltd., a PRC-incorporated joint stock commercial bank listed in Hong Kong, focuses its operations within mainland China and does not hold authorization to undertake banking or deposit-taking activities in Hong Kong under local ...
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.
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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.