Yibin City Commercial Bank Co., Ltd. Class H (2596) AI Stock Analysis

• Market Cap: HK$12.07B
• Dividend Yield: 2.09%
• Average Volume (3M): 7.67K
• Price to Earnings (P/E): ―
• Beta (1Y): 0.03
• Revenue Growth: 7.06%
• EPS Growth: N/A
• Country: HK
• Employees: 1,125
• Sector: Financial
• Sector Strength: 70
• Industry: Banks
• EPS (TTM): N/A
• Shares Outstanding: 688,400,000
• 10 Day Avg. Volume: 12,500
• 30 Day Avg. Volume: 7,666
• PEG Ratio: 1.83
• Price to Book (P/B): 1.16
• Price to Sales (P/S): 2.66
• P/FCF Ratio: 2.06
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 76 Outperform
• Price Target: HK$3.00 ▲(14.07% Upside)

Yibin City Commercial Bank's stock score is driven largely by its strong financial performance, which demonstrates solid revenue growth, profitability, and cash flow. The technical analysis supports a positive momentum, though caution is advised due to potentially overbought conditions. The valuation is moderate, primarily due to the absence of a P/E ratio, but the dividend yield offers some investor appeal.

Positive Factors

Revenue Growth

Consistent revenue growth indicates strong market demand and effective business strategies, supporting long-term financial stability and expansion.

Low Leverage

Low leverage provides financial flexibility and reduces risk, allowing the bank to navigate economic fluctuations and invest in growth opportunities.

Management Quality

Strong leadership with extensive experience can improve strategic direction and operational efficiency, driving long-term success and competitive advantage.

Negative Factors

Operational Efficiency

Lower operational efficiency may limit profitability improvements, potentially affecting the bank's ability to optimize costs and enhance shareholder value.

Asset Growth Potential

Limited asset growth potential may restrict the bank's ability to expand its balance sheet and capitalize on new business opportunities, impacting long-term growth.

Free Cash Flow Decline

A decline in free cash flow growth could constrain the bank's ability to reinvest in its operations and fund new initiatives, affecting future growth prospects.

Yibin City Commercial Bank Co., Ltd. Class H Business Overview & Revenue Model

Company Description

Yibin City Commercial Bank Co., Ltd provides banking and financial products and services to personal and business customers, and small and micro enterprises in the People's Republic of China. The company engages in the corporate banking, retail banking and financial market business. It offers deposits; cards; bill discounting and rediscounting, letters of guarantee, fund custody and settlement, mobile payment services, collection agency, insurance, and wealth management services, as well as corporate loans for wholesale and retail trade, construction, manufacturing, renting and business activities, agriculture, forestry, animal husbandry, and fishery. In addition, the company provides personal business loans, including residential mortgage loans and personal consumption loans. Further, it engages in the interbank market business and financial investment business, such as debt securities investment and special purpose vehicle investments. The company was incorporated in 2006 and is based in Yibin, the People's Republic of China.

How the Company Makes Money

The company generates revenue primarily through the interest income from its lending activities, which includes loans to individuals and small to medium-sized enterprises (SMEs). Additionally, Yibin City Commercial Bank earns fees and commissions from various banking services, such as account maintenance, transaction processing, and wealth management advisory services. The bank also benefits from investment income through its portfolio of securities and other financial instruments. Strategic partnerships with local businesses and government entities further enhance its revenue potential, allowing for targeted lending and service offerings that meet the specific needs of the regional market.

Yibin City Commercial Bank Co., Ltd. Class H Financial Statement Overview

Summary

Yibin City Commercial Bank exhibits strong financial health, characterized by steady revenue growth, solid profitability, and strong cash flow generation. The low leverage and efficient use of equity reduce financial risks. While operational efficiency could improve, the bank's financial position is robust, supporting its growth trajectory and stability in the banking industry.

Income Statement

Yibin City Commercial Bank has shown consistent revenue growth, with a 9.12% increase from 2023 to 2024. Gross profit margin is strong at 50.05%, and net profit margin is healthy at 12.13%, indicating efficient cost management. The EBITDA margin of 14.84% further supports robust operational performance. However, the EBIT margin at 13.39% suggests room for improvement in operational efficiency.

Balance Sheet

The bank maintains a solid equity position with an equity ratio of 8.88%. The debt-to-equity ratio of 0.21 indicates low leverage, reducing financial risk and enhancing stability. Return on equity is commendable at 5.29%, reflecting efficient use of equity to generate profits. The balance sheet is strong, though the equity ratio suggests limited asset growth potential.

Cash Flow

Cash flow metrics are impressive with a positive free cash flow growth rate of -7.77% from the previous year, demonstrating strong cash generation capabilities. The operating cash flow to net income ratio of 10.72 is excellent, indicating ample cash flow relative to net income. The free cash flow to net income ratio of 10.64 further supports strong cash flow performance.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	4.78B	4.23B	3.88B	3.04B	2.79B
Gross Profit	0.00	2.12B	2.10B	1.59B	1.63B
EBITDA	617.02M	627.77M	612.90M	554.22M	446.20M
Net Income	554.21M	513.43M	468.47M	437.71M	352.51M
Balance Sheet
Total Assets	113.23B	109.21B	93.44B	80.41B	68.49B
Cash, Cash Equivalents and Short-Term Investments	10.77B	12.30B	12.17B	12.10B	10.98B
Total Debt	3.49B	2.06B	3.31B	4.48B	4.20B
Total Liabilities	103.30B	99.23B	84.16B	71.75B	60.31B
Stockholders Equity	9.65B	9.70B	8.98B	8.37B	7.88B
Cash Flow
Free Cash Flow	-243.36M	5.46B	5.92B	774.58M	121.71M
Operating Cash Flow	-190.12M	5.51B	5.99B	813.88M	182.56M
Investing Cash Flow	-14.81B	-5.10B	-4.99B	-300.05M	-6.32B
Financing Cash Flow	13.15B	-1.33B	-1.37B	93.82M	4.21B

Yibin City Commercial Bank Co., Ltd. Class H Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 2.63
• 50DMA: Positive
• 100DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HK:2596, the sentiment is Negative. The current price of 2.63 is above the 20-day moving average (MA) of 2.61, above the 50-day MA of 2.61, and equal to the 200-day MA of ―, indicating a neutral trend. The MACD of <0.01 indicates Negative momentum. The RSI at 49.00 is Neutral, neither overbought nor oversold. The STOCH value of 77.78 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for HK:2596.

Yibin City Commercial Bank Co., Ltd. Class H Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
2596	76 Outperform	HK$12.07B	―	5.38%	2.09%	7.06%	―
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
2558	66 Neutral	HK$8.23B	4.29	6.81%	6.22%	-1.76%	-11.39%
6199	59 Neutral	HK$14.44B	3.58	7.71%	5.32%	-1.24%	4.34%
1216	57 Neutral	HK$12.24B	4.09	3.11%	4.24%	-7.58%	12.65%
2066	50 Neutral	HK$13.90B	24.03	0.69%	―	-6.29%	-6.68%
6190	50 Neutral	HK$4.84B	20.43	0.67%	3.72%	-8.91%	―

Yibin City Commercial Bank Co., Ltd. Class H Corporate Events

Yibin City Commercial Bank Tightens Governance With New Nomination and Remuneration Committee Mandate

Yibin City Commercial Bank has formalised detailed Terms of Reference for its Board’s Nomination and Remuneration Committee to strengthen governance over the selection, evaluation and compensation of directors and senior management. The committee, composed mainly of independent directors and supported by the bank’s Human Resources Department, is tasked with overseeing board composition, setting selection criteria, reviewing candidate qualifications and independence, managing succession planning, and designing and supervising remuneration structures and performance evaluations, reinforcing the bank’s corporate governance framework and alignment with regulatory and listing requirements.

The most recent analyst rating on (HK:2596) stock is a Buy with a HK$3.00 price target. To see the full list of analyst forecasts on Yibin City Commercial Bank Co., Ltd. Class H stock, see the HK:2596 Stock Forecast page.

Yibin City Commercial Bank Increases Registered Capital to Strengthen Market Position

Yibin City Commercial Bank Co., Ltd announced the approval from the National Financial Regulatory Administration Sichuan Office to increase its registered capital from RMB3.9 billion to RMB4.5884 billion. This change, approved at the 2024 annual general meeting, involves amendments to the Articles of Association, which have been filed with the relevant authorities. This capital increase is likely to enhance the bank’s financial stability and operational capacity, potentially impacting its market positioning and stakeholder confidence.

The most recent analyst rating on (HK:2596) stock is a Buy with a HK$3.00 price target. To see the full list of analyst forecasts on Yibin City Commercial Bank Co., Ltd. Class H stock, see the HK:2596 Stock Forecast page.

Yibin City Commercial Bank Announces Leadership Changes

Yibin City Commercial Bank Co., Ltd., a joint stock company incorporated in China, has announced significant changes in its executive leadership. The resignation of Ms. Jiang Lin from her roles as executive director and president has led to the appointment of Mr. Guo Hua as the new president, with a proposed appointment as executive director, and Mr. Liu Kelin as a non-executive director. These changes are subject to regulatory approvals, and Mr. Guo will serve as acting president until his qualifications are confirmed. The appointments reflect a strategic shift in the bank’s leadership, potentially impacting its operations and stakeholder relations.

The most recent analyst rating on (HK:2596) stock is a Buy with a HK$3.00 price target. To see the full list of analyst forecasts on Yibin City Commercial Bank Co., Ltd. Class H stock, see the HK:2596 Stock Forecast page.

Yibin City Commercial Bank Approves Strategic Governance Changes at EGM

Yibin City Commercial Bank Co., Ltd held its third extraordinary general meeting on October 27, 2025, where all proposed resolutions were unanimously approved. These resolutions included the abolition of the board of supervisors and amendments to the Articles of Association and the Rules of Procedure for both the General Meeting and the Board of Directors. The unanimous approval of these resolutions signifies a strategic shift in the bank’s governance structure, potentially impacting its operational efficiency and stakeholder engagement.

The most recent analyst rating on (HK:2596) stock is a Buy with a HK$3.00 price target. To see the full list of analyst forecasts on Yibin City Commercial Bank Co., Ltd. Class H stock, see the HK:2596 Stock Forecast page.

Yibin City Commercial Bank Announces 2025 Extraordinary General Meeting

Yibin City Commercial Bank Co., Ltd has announced its 2025 third extraordinary general meeting to be held on October 27, 2025. The meeting will address several key resolutions, including the abolition of the board of supervisors and amendments to the Articles of Association and procedural rules. These changes could significantly impact the governance structure and operational procedures of the bank, potentially affecting its strategic direction and stakeholder engagement.

The most recent analyst rating on (HK:2596) stock is a Buy with a HK$3.00 price target. To see the full list of analyst forecasts on Yibin City Commercial Bank Co., Ltd. Class H stock, see the HK:2596 Stock Forecast page.