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Bank of Chongqing Co., Ltd. Class H (HK:1963)
:1963

Bank of Chongqing Co., Ltd. Class H (1963) AI Stock Analysis

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HK:1963

Bank of Chongqing Co., Ltd. Class H

(1963)

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Neutral 67 (OpenAI - 5.2)
Rating:67Neutral
Price Target:
HK$8.50
▲(7.73% Upside)
The score is driven primarily by solid TTM profitability and improved cash generation, partially offset by elevated balance-sheet leverage and historical volatility. Valuation is a clear positive (low P/E and high yield), while technicals are moderately weak due to soft near-term momentum and price below key short-term averages.
Positive Factors
Revenue Growth
Consistent revenue growth indicates strong market demand and effective business strategies, supporting long-term financial stability.
Cash Generation
Improved cash generation enhances financial flexibility, enabling investments in growth opportunities and resilience against economic downturns.
Dividend Commitment
Regular dividend payments demonstrate financial health and a commitment to returning value to shareholders, which can enhance investor confidence.
Negative Factors
High Leverage
High leverage increases financial risk, potentially limiting the bank's ability to withstand adverse economic conditions and impacting long-term stability.
Cash Flow Volatility
Volatility in cash flow can hinder consistent financial planning and investment, posing challenges to maintaining stable operations and growth.
Revenue and Margin Volatility
Volatility in revenue and margins can undermine confidence in the bank's ability to sustain profitability, affecting long-term investor trust.

Bank of Chongqing Co., Ltd. Class H (1963) vs. iShares MSCI Hong Kong ETF (EWH)

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

Company DescriptionBank 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 company offers various deposit products and loans; inter-bank lending and borrowing, bonds investment, re-purchasing, and foreign currency transactions; and telephone, mobile, and online and direct banking services, as well as settlement services, financial leasing, and other services. As of December 31, 2021, it operated 156 sub-units, including a business department, a small enterprise loan center, four primary branches, 169 self-service banking centers, and 299 intelligent teller machines covering 38 districts and counties of Chongqing, as well as three provinces in western China. The company was formerly known as Commercial Bank of Chongqing Co., Ltd. and changed its name to Bank of Chongqing Co., Ltd. in August 2007. Bank of Chongqing Co., Ltd. was incorporated in 1996 and is headquartered in Chongqing, the People's Republic of China.
How the Company Makes MoneyBank of Chongqing Co., Ltd. generates revenue mainly through interest income derived from its lending activities, including loans to SMEs, individuals, and larger corporations. The bank also earns non-interest income from fees and commissions related to wealth management, trade financing, and other financial services. Additionally, the bank may engage in interbank lending and investment activities to optimize its asset portfolio. Partnerships with other financial institutions and technology firms can enhance its service offerings and drive additional revenue through collaborative financial products or services.

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

Summary
Bank of Chongqing has robust profitability with a strong net profit margin and a solid equity base. However, inconsistent revenue growth and negative free cash flow raise concerns about cash management.
Income Statement
The company has demonstrated a strong net profit margin of around 37.5% for the latest year, indicating high profitability. Revenue growth has been inconsistent, with a notable increase in 2024. However, EBIT margin data is unavailable for the latest year, limiting a complete profitability analysis.
Balance Sheet
The bank shows a solid equity base with a debt-to-equity ratio of 0, reflecting a low leverage and strong financial stability. The equity ratio is approximately 7.1%, which is typical for a banking institution. The consistent increase in stockholders' equity over the years highlights good financial management.
Cash Flow
Cash flow analysis reveals fluctuations, with negative free cash flow in the latest year, raising concerns about cash management. Operating cash flow to net income ratio is negative, suggesting potential inefficiencies in converting income to cash. Despite this, financing activities have provided substantial cash inflow.
BreakdownTTMDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue29.88B32.15B9.60B9.58B9.34B8.58B
Gross Profit10.55B13.64B9.60B13.27B9.34B8.58B
EBITDA6.80B6.90B0.006.69B6.44B0.00
Net Income5.72B5.12B4.93B4.87B4.66B4.42B
Balance Sheet
Total Assets1.12T856.64B759.88B684.71B618.95B561.64B
Cash, Cash Equivalents and Short-Term Investments0.0063.40B55.74B48.52B44.39B42.25B
Total Debt431.97B194.99B156.41B136.13B120.60B102.33B
Total Liabilities1.05T792.88B700.58B633.22B569.71B519.65B
Stockholders Equity68.98B61.07B56.92B49.34B47.27B40.17B
Cash Flow
Free Cash Flow45.76B-21.42B4.03B4.97B4.74B31.77B
Operating Cash Flow47.12B-20.75B4.45B5.31B5.09B32.21B
Investing Cash Flow-95.31B-14.50B-20.98B-12.89B-15.84B-21.68B
Financing Cash Flow60.75B32.21B16.32B9.94B16.27B-8.71B

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

Technical Analysis Sentiment
Negative
Last Price7.89
Price Trends
50DMA
8.08
Negative
100DMA
7.71
Positive
200DMA
7.64
Positive
Market Momentum
MACD
-0.07
Positive
RSI
39.14
Neutral
STOCH
24.48
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HK:1963, the sentiment is Negative. The current price of 7.89 is below the 20-day moving average (MA) of 7.91, below the 50-day MA of 8.08, and above the 200-day MA of 7.64, indicating a neutral trend. The MACD of -0.07 indicates Positive momentum. The RSI at 39.14 is Neutral, neither overbought nor oversold. The STOCH value of 24.48 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for HK:1963.

Bank of Chongqing Co., Ltd. Class H Peers Comparison

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
68
Neutral
$18.00B11.429.92%3.81%9.73%1.22%
67
Neutral
HK$26.25B5.114.45%4.33%17.13%
67
Neutral
HK$34.32B4.469.11%5.69%5.30%9.05%
66
Neutral
€17.26B6.911.89%-5.02%-3.28%
62
Neutral
HK$45.98B2.8411.00%7.06%-0.12%3.42%
58
Neutral
HK$23.35B5.317.20%7.99%-7.29%-14.37%
53
Neutral
HK$21.87B12.263.20%-3.87%22.34%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
HK:1963
Bank of Chongqing Co., Ltd. Class H
7.73
2.35
43.68%
HK:3698
Huishang Bank
3.31
1.06
46.78%
HK:9889
Dongguan Rural Commercial Bank Co Ltd Class H
3.39
-0.22
-6.17%
HK:3866
Bank of Qingdao Co., Ltd. Class H
3.84
1.15
42.70%
HK:6196
Bank of Zhengzhou Co., Ltd. Class H
1.15
0.25
27.49%
HK:1551
Guangzhou Rural Commercial Bank Co. Ltd. Class H
1.51
-0.06
-3.82%

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

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 updated Articles are now in effect and available on the websites of the Shanghai Stock Exchange, Hong Kong Stock Exchange and the bank, with the bank stressing that the Chinese version will prevail over the English translation, a move that provides clarity and legal certainty for shareholders and other stakeholders in its mainland-focused operations.

The most recent analyst rating on (HK:1963) stock is a Hold with a HK$8.50 price target. To see the full list of analyst forecasts on Bank of Chongqing Co., Ltd. Class H stock, see the HK:1963 Stock Forecast page.

Bank of Chongqing Updates Third-Quarter Dividend Details
Dec 11, 2025

Bank of Chongqing Co., Ltd. has announced an update regarding its third-quarter dividend for the nine months ending September 30, 2025. The dividend declared is RMB 1.684 per 10 shares, with an option to receive payment in Hong Kong dollars at an exchange rate of RMB 1 to HKD 1.09902187. The payment date is set for January 16, 2026, and the announcement includes details on withholding tax rates applicable to non-resident shareholders. This update reflects the bank’s ongoing commitment to shareholder returns and provides clarity on tax implications for international investors.

Bank of Chongqing’s EGM Sees All Resolutions Passed
Nov 28, 2025

Bank of Chongqing Co., Ltd. held its first extraordinary general meeting of 2025, where all proposed resolutions were passed by shareholders. The resolutions included a profit pre-distribution plan and amendments to the articles of association, procedural rules for general meetings, and the board of directors, as well as the dissolution of the board of supervisors. The successful passing of these resolutions indicates strong shareholder support and could impact the bank’s governance and operational framework.

Bank of Chongqing Updates Third-Quarter Dividend Details
Nov 28, 2025

Bank of Chongqing Co., Ltd. has announced an update to its third-quarter dividend for the nine months ended September 30, 2025. The update includes details on the default currency and amount of the dividend, the exchange rate, and withholding tax information. The dividend will be paid at RMB 1.684 per 10 shares, with an option for payment in Hong Kong dollars at a specified exchange rate. The announcement also outlines the tax implications for non-resident shareholders, with specific withholding tax rates applied based on residency and existing taxation treaties with the PRC. This update is significant for stakeholders as it clarifies the financial returns and tax obligations associated with the dividend, potentially impacting investment decisions and financial planning.

Bank of Chongqing Announces Extraordinary General Meeting and Dividend Plan
Nov 7, 2025

Bank of Chongqing Co., Ltd. has announced the agenda for its first extraordinary general meeting of 2025, scheduled for November 28. Key resolutions include a profit pre-distribution plan for the first three quarters of 2025, amendments to the company’s articles of association and procedural rules, and the dissolution of the board of supervisors. The board has recommended a cash dividend of RMB 1.684 per 10 shares, totaling RMB 585,120,249.06, subject to approval. This meeting and the proposed resolutions could significantly impact the bank’s governance structure and shareholder returns.

Bank of Chongqing Updates Third Quarter Dividend Details
Nov 7, 2025

Bank of Chongqing Co., Ltd. has announced an update regarding its third quarter dividend for the nine months ending September 30, 2025. The dividend declared is RMB 1.684 per 10 shares, with the total cash dividend amounting to RMB 585,120,249.06, inclusive of tax. The announcement includes key dates such as the ex-dividend date on December 2, 2025, and the payment date on January 16, 2026. This update reflects the bank’s commitment to providing returns to its shareholders and may impact its market positioning by reinforcing investor confidence.

Bank of Chongqing Reports Robust Q3 2025 Financial Growth
Oct 24, 2025

Bank of Chongqing Co., Ltd. reported a strong financial performance for the third quarter of 2025, with significant increases in total assets, loans, and customer deposits compared to the previous year. The bank’s operating income and net profit also saw substantial growth, reflecting its solid market positioning and effective management strategies.

Bank of Chongqing Declares Third-Quarter Dividend for 2025
Oct 24, 2025

Bank of Chongqing Co., Ltd. has announced a third-quarter ordinary cash dividend of RMB 1.684 per 10 shares for the nine months ending September 30, 2025. The total dividend payout is estimated at RMB 585,120,249.06, subject to adjustments based on changes in the ordinary share capital due to convertible bonds. The announcement reflects the bank’s ongoing commitment to shareholder returns and may impact its financial positioning and stakeholder interests.

Bank of Chongqing Proposes Governance Amendments
Oct 24, 2025

Bank of Chongqing Co., Ltd. has announced proposed amendments to its Articles of Association and several procedural rules to strengthen corporate governance and improve operational efficiency. These changes aim to streamline Party leadership provisions, optimize shareholder rights, and refine the roles and responsibilities of directors and senior management. The amendments are pending approval from shareholders and the Chongqing Bureau of National Financial Regulatory Administration.

Bank of Chongqing Schedules Board Meeting to Review Q3 Results and Dividend
Oct 13, 2025

Bank of Chongqing Co., Ltd. has announced a board meeting scheduled for October 24, 2025, to review and approve the unaudited third quarterly results for the nine months ended September 30, 2025, and to consider the payment of dividends for the first three quarters. This meeting is significant as it will provide insights into the bank’s financial performance and potential shareholder returns, impacting its market positioning and stakeholder interests.

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.Date of analysis: Dec 30, 2025