Bank of Chongqing Co., Ltd. Class H (HK:1963)
:1963
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Bank of Chongqing Co., Ltd. Class H
(1963)
Select Model
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Rating:68Neutral
Price Target:
HK$8.50
▲(7.73% Upside)
Action:ReiteratedDate:03/26/26
The score is driven primarily by solid but higher-risk financials—strong profitability and a 2025 improvement offset by elevated leverage and uneven cash-flow quality—while technical signals are mixed/neutral. Very low P/E and a high dividend yield provide meaningful support to the overall score.
Positive Factors
Improving profitability and revenue growth
Rising net income and double-digit 2025 revenue growth with healthy 2024 margins indicate the core banking model is generating durable earnings. Sustained margin levels and revenue expansion support internal capital generation for lending and reserves, strengthening long-term earnings power.
Negative Factors
Elevated leverage
High debt-to-equity and a sharp rise in total debt materially increase balance-sheet risk and sensitivity to credit or funding shocks. Elevated leverage constrains capital flexibility, raises regulatory and refinancing risk, and limits the bank's ability to absorb future loan losses without external support.
Read all positive and negative factors
Positive Factors
Negative Factors
Improving profitability and revenue growth
Rising net income and double-digit 2025 revenue growth with healthy 2024 margins indicate the core banking model is generating durable earnings. Sustained margin levels and revenue expansion support internal capital generation for lending and reserves, strengthening long-term earnings power.
Read all positive factors
Bank of Chongqing Co., Ltd. Class H (1963) vs. iShares MSCI Hong Kong ETF (EWH)
Market Cap
HK$38.68B
Dividend Yield5.69%
Average Volume (3M)2.11M
Price to Earnings (P/E)4.4
Beta (1Y)0.39
Revenue Growth8.71%
EPS Growth10.29%
CountryHK
Employees5,284
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.60
Shares Outstanding1,579,020,800
10 Day Avg. Volume2,578,014
30 Day Avg. Volume2,105,441
Financial Highlights & Ratios
PEG Ratio-6.67
Price to Book (P/B)0.45
Price to Sales (P/S)0.72
P/FCF Ratio0.26
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
HK$9.71Price Target Upside23.00% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)1.76
Revenue Forecast (FY)HK$16.73B
Bank of Chongqing Co., Ltd. Class H Business Overview & Revenue Model
Company Description
Bank of Chongqing Co., Ltd. provides various banking and related financial services for corporate and individual customers in the People's Republic of China. It operates through three segments: Corporate Banking, Retail Banking, and Treasury. The ...
How the Company Makes Money
The company primarily makes money through (1) net interest income and (2) non-interest income. (1) Net interest income: The bank collects interest on loans and other interest-earning assets (e.g., customer loans to corporates and individuals, disc...
Bank of Chongqing Co., Ltd. Class H Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
62
Positive
Cash Flow
55
Neutral
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 34.00B | 32.15B | 9.60B | 9.58B | 9.34B |
| Gross Profit | 10.44B | 13.64B | 9.60B | 13.27B | 9.34B |
| EBITDA | 6.59B | 6.90B | 0.00 | 6.69B | 6.44B |
| Net Income | 5.51B | 5.12B | 4.93B | 4.87B | 4.66B |
Balance Sheet | |||||
| Total Assets | 1.03T | 856.64B | 759.88B | 684.71B | 618.95B |
| Cash, Cash Equivalents and Short-Term Investments | 145.40B | 63.40B | 55.74B | 48.52B | 44.39B |
| Total Debt | 400.78B | 194.99B | 156.41B | 136.13B | 120.60B |
| Total Liabilities | 976.52B | 792.88B | 700.58B | 633.22B | 569.71B |
| Stockholders Equity | 54.92B | 61.07B | 56.92B | 49.34B | 47.27B |
Cash Flow | |||||
| Free Cash Flow | 95.15B | -21.42B | 4.03B | 4.97B | 4.74B |
| Operating Cash Flow | 96.43B | -20.75B | 4.45B | 5.31B | 5.09B |
| Investing Cash Flow | -52.33B | -14.50B | -20.98B | -12.89B | -15.84B |
| Financing Cash Flow | 6.52B | 32.21B | 16.32B | 9.94B | 16.27B |
Bank of Chongqing Co., Ltd. Class H Technical Analysis
Positive
7.89
Price Trends
7.90
Positive
7.91
Positive
7.82
Positive
Market Momentum
0.08
Negative
60.58
Neutral
91.43
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HK:1963, the sentiment is Positive. The current price of 7.89 is below the 20-day moving average (MA) of 7.99, below the 50-day MA of 7.90, and above the 200-day MA of 7.82, indicating a bullish trend. The MACD of 0.08 indicates Negative momentum. The RSI at 60.58 is Neutral, neither overbought nor oversold. The STOCH value of 91.43 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for HK:1963.
Bank of Chongqing Co., Ltd. Class H Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
72 Outperform | HK$69.73B | 2.48 | 9.94% | 7.06% | -1.22% | 9.13% | |
68 Neutral | HK$38.68B | 4.45 | 9.33% | 5.69% | 8.71% | 10.29% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | HK$33.61B | 3.97 | 12.57% | 4.45% | ― | ― | |
56 Neutral | HK$23.08B | 5.83 | 6.51% | 7.99% | -8.83% | -16.92% | |
54 Neutral | HK$16.01B | -6.21 | 3.77% | 1.89% | ― | ― |
* Financial Sector Average
HK:1963
Bank of Chongqing Co., Ltd. Class H
8.29
0.91
12.27%
HK:3698
Huishang Bank
5.19
2.46
89.76%
HK:9889
Dongguan Rural Commercial Bank Co Ltd Class H
3.36
0.41
13.98%
HK:3866
Bank of Qingdao Co., Ltd. Class H
4.90
1.39
39.52%
HK:6196
Bank of Zhengzhou Co., Ltd. Class H
1.00
0.10
10.86%
Bank of Chongqing Co., Ltd. Class H Corporate Events
Bank of Chongqing Publishes 2025 Annual Results and Details Report Availability
Mar 24, 2026
Bank of Chongqing Co., Ltd., a PRC-incorporated joint stock commercial bank, holds a domestic financial licence and corporate legal person business licence, operating under mainland regulatory oversight. It is not classified as an authorised insti...
Bank of Chongqing Proposes 2025 Final Dividend With Flexible Payout Structure
Mar 24, 2026
Bank of Chongqing Co., Ltd., a Hong Kong-listed regional commercial bank, has proposed a final ordinary cash dividend of RMB 0.2918 per share for the financial year ended 31 December 2025, payable in RMB with a Hong Kong dollar equivalent to be an...
Bank of Chongqing Schedules Board Meeting to Approve 2025 Results and Consider Dividend
Mar 12, 2026
Bank of Chongqing Co., Ltd., a PRC-incorporated joint stock commercial bank licensed by mainland regulators but not authorised as a banking institution in Hong Kong, operates primarily under Chinese banking oversight and holds a corporate legal pe...
Bank of Chongqing Updates 2024 Pay Details for Senior Leadership
Feb 10, 2026
Bank of Chongqing Co., Ltd., a PRC-incorporated joint stock commercial bank operating under domestic banking regulation but not licensed as a bank in Hong Kong, focuses on providing financial services within mainland China. The bank is governed by...
Bank of Chongqing Reshapes Board Committees to Sharpen Governance and Digital Strategy
Jan 28, 2026
Bank of Chongqing Co., Ltd. has overhauled the structure and membership of its board-level special committees, effective January 28, 2026, in a bid to enhance standardized and efficient corporate governance and support its long-term, steady develo...
Bank of Chongqing Updates Board Composition and Governance Structure
Jan 28, 2026
Bank of Chongqing Co., Ltd., a PRC-licensed commercial bank with H-shares listed in Hong Kong, operates under mainland regulatory oversight and does not hold authorisation to conduct banking or deposit-taking activities in Hong Kong. The bank has ...
Bank of Chongqing Secures Regulatory Approval for Amended Articles of Association
Dec 31, 2025
Bank of Chongqing Co., Ltd. has obtained regulatory approval from the Chongqing Bureau of National Financial Regulatory Administration for amendments to its Articles of Association, formalising revisions to its corporate governance framework. The ...
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.