Luzhou Bank Co., Ltd. Class H (HK:1983)
:1983
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Luzhou Bank Co., Ltd. Class H
(1983)
Select Model
Select Model
Rating:63Neutral
Price Target:
HK$2.00
▼(-8.68% Downside)
Action:ReiteratedDate:03/24/26
The score is driven by very attractive valuation (low P/E and high dividend yield), partially offset by elevated financial risk from volatile/negative recent cash flows and signs of rising leverage, with technical indicators also reflecting weaker momentum and a downtrend versus key moving averages.
Positive Factors
Scale Expansion
A materially larger asset base improves lending capacity and deposit scale, enabling diversification across clients and products. Greater scale supports cost absorption, branch and product rollout, and stronger franchise value that sustains revenue potential over the medium term.
Negative Factors
Volatile Cash Generation
Repeated swings to negative operating and free cash flow undermine self-funded growth and raise reliance on external funding. Inconsistent cash generation increases liquidity and refinancing risk, constraining capacity to cut leverage, invest, or absorb loan-loss shocks over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Scale Expansion
A materially larger asset base improves lending capacity and deposit scale, enabling diversification across clients and products. Greater scale supports cost absorption, branch and product rollout, and stronger franchise value that sustains revenue potential over the medium term.
Read all positive factors
Luzhou Bank Co., Ltd. Class H (1983) vs. iShares MSCI Hong Kong ETF (EWH)
Market Cap
HK$5.65B
Dividend Yield5.84%
Average Volume (3M)4.02M
Price to Earnings (P/E)3.5
Beta (1Y)-0.02
Revenue Growth-3.25%
EPS Growth22.96%
CountryHK
Employees1,598
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.25
Shares Outstanding753,120,000
10 Day Avg. Volume12,700
30 Day Avg. Volume4,016,213
Financial Highlights & Ratios
PEG Ratio0.14
Price to Book (P/B)0.47
Price to Sales (P/S)0.60
P/FCF Ratio-0.88
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)0.53
Revenue Forecast (FY)HK$5.14B
Luzhou Bank Co., Ltd. Class H Business Overview & Revenue Model
Company Description
Luzhou Bank Co., Ltd. Class H (1983) is a regional commercial bank based in Luzhou, China. The bank offers a wide range of financial services primarily focused on personal banking, corporate banking, and financial management services. Luzhou Bank ...
How the Company Makes Money
Luzhou Bank’s earnings are primarily driven by core banking activities. The main revenue stream is typically net interest income: the bank collects interest from loans and other interest-earning assets (such as placements with other financial inst...
Luzhou Bank Co., Ltd. Class H Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
58
Neutral
Cash Flow
41
Neutral
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 8.86B | 4.82B | 2.98B | 2.59B | 7.54B |
| Gross Profit | 4.24B | 4.82B | 2.98B | 2.59B | 2.44B |
| EBITDA | 2.22B | 0.00 | 0.00 | 1.19B | 1.12B |
| Net Income | 1.50B | 1.28B | 994.24M | 807.53M | 734.26M |
Balance Sheet | |||||
| Total Assets | 202.58B | 171.00B | 157.64B | 148.63B | 134.51B |
| Cash, Cash Equivalents and Short-Term Investments | 13.68B | 10.76B | 3.08B | 11.94B | 10.45B |
| Total Debt | 32.24B | 6.10B | 14.31B | 8.47B | 4.55B |
| Total Liabilities | 191.24B | 158.56B | 146.71B | 138.43B | 124.81B |
| Stockholders Equity | 11.24B | 12.44B | 10.93B | 10.20B | 9.70B |
Cash Flow | |||||
| Free Cash Flow | -6.01B | 1.51B | -17.26B | 1.51B | -1.03B |
| Operating Cash Flow | -5.21B | 1.71B | -17.02B | 1.73B | -789.91M |
| Investing Cash Flow | -26.90B | 467.78M | 5.56B | 6.62B | -2.22B |
| Financing Cash Flow | 35.18B | -1.74B | 8.72B | -7.77B | 2.67B |
Luzhou Bank Co., Ltd. Class H Technical Analysis
Positive
2.19
Price Trends
2.00
Positive
2.06
Positive
2.20
Negative
Market Momentum
0.02
Negative
72.97
Negative
78.17
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HK:1983, the sentiment is Positive. The current price of 2.19 is above the 20-day moving average (MA) of 1.98, above the 50-day MA of 2.00, and below the 200-day MA of 2.20, indicating a neutral trend. The MACD of 0.02 indicates Negative momentum. The RSI at 72.97 is Negative, neither overbought nor oversold. The STOCH value of 78.17 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for HK:1983.
Luzhou Bank 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 | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | HK$8.06B | 1.84 | 6.28% | 6.22% | -1.76% | -11.39% | |
63 Neutral | HK$5.65B | 3.53 | 9.15% | 5.84% | -3.25% | 22.96% | |
58 Neutral | HK$5.12B | 5.77 | 1.71% | ― | -9.56% | -7.51% | |
57 Neutral | HK$14.56B | 2.83 | 4.82% | ― | -5.76% | 18.15% | |
57 Neutral | HK$12.24B | 1.68 | 3.11% | 4.24% | -7.58% | 12.65% | |
52 Neutral | HK$4.10B | 3.86 | 2.08% | 6.21% | -8.55% | 539.20% |
* Financial Sector Average
HK:1983
Luzhou Bank Co., Ltd. Class H
2.08
-0.13
-5.88%
HK:9668
China Bohai Bank Co., Ltd. Class H
0.82
-0.04
-4.65%
HK:1216
Zhongyuan Bank Co., Ltd. Class H
0.34
0.05
15.92%
HK:1916
Jiangxi Bank Co., Ltd. Class H
0.68
0.04
6.25%
HK:2139
Bank of Gansu Co., Ltd. Class H
0.34
0.12
54.55%
HK:2558
Jinshang Bank Co., Ltd. Class H
1.38
0.05
3.76%
Luzhou Bank Co., Ltd. Class H Corporate Events
Luzhou Bank Releases Audited 2025 Annual Results and Plans Full Report Publication
Mar 23, 2026
Luzhou Bank Co., Ltd., a PRC-incorporated joint stock commercial bank listed in Hong Kong, has disclosed its audited consolidated annual results for the year ended December 31, 2025. The bank emphasizes that it operates under mainland regulatory o...
Luzhou Bank Proposes 2025 Final Dividend and Details Tax Treatment for Shareholders
Mar 23, 2026
Luzhou Bank Co., Ltd. has proposed a final ordinary cash dividend of RMB 1.3 per 10 shares for the financial year ended 31 December 2025, subject to shareholder approval. Key timetable details for Hong Kong shareholders, including the default payo...
Luzhou Bank Reshapes Top Management as Veteran Leaders Retire
Mar 23, 2026
Luzhou Bank Co., Ltd. announced a leadership reshuffle as long-serving president Liu Shirong resigned from his executive role upon nearing retirement age, while remaining on the board as a non-executive employee representative director and continu...
Luzhou Bank Sets Out Board Composition and Governance Committee Structure
Mar 23, 2026
Luzhou Bank Co., Ltd. has announced the current composition of its board of directors, comprising one executive director serving as chairman, several non-executive directors, and four independent non-executive directors, reflecting a mix of manage...
Luzhou Bank Adds Independent Director to Audit Committee, Meets HKEX Rule 3.21
Mar 16, 2026
Luzhou Bank has adjusted its board committee structure by appointing independent non-executive director Han Zirong as a member of its Audit Committee, effective March 16, 2026. The rest of the board committee composition remains unchanged, with th...
Luzhou Bank Details Board Composition and Committee Roles
Mar 16, 2026
Luzhou Bank Co., Ltd. has disclosed the current composition of its board of directors, comprising executive, non‑executive, and independent non‑executive directors, led by chairman You Jiang. The disclosure clarifies the governance str...
Luzhou Bank Sets March Board Meeting to Approve 2025 Results and Consider Final Dividend
Mar 11, 2026
Luzhou Bank Co., Ltd. has scheduled a board meeting for March 23, 2026, to review and approve the annual results of the bank and its subsidiary for the financial year ended December 31, 2025. The board will also consider proposing a final dividend...
Luzhou Bank Tightens Audit Committee Terms to Bolster Governance
Dec 30, 2025
Luzhou Bank has revised and formalized the terms of reference for its Board-level Audit Committee for 2025, aligning its structure and operations with China’s corporate law, banking governance codes, and Hong Kong Listing Rules. The updated ...
Luzhou Bank Tightens Governance With Revised Nomination and Remuneration Committee Mandate
Dec 30, 2025
Luzhou Bank has revised and formally set out the 2025 terms of reference for its Nomination and Remuneration Committee under the board of directors, aiming to further improve its remuneration management system and corporate governance structure in...
Luzhou Bank Tightens Governance With 2025 Nomination and Remuneration Committee Mandate
Dec 30, 2025
Luzhou Bank has revised and formalised the terms of reference for its Nomination and Remuneration Committee under the board of directors for 2025, aligning the committee’s structure and operations with Chinese corporate law, banking governan...
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.