Chongqing Rural Commercial Bank Co Class H (HK:3618)
:3618
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Chongqing Rural Commercial Bank Co
(3618)
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Rating:71Outperform
Price Target:
HK$7.50
Action:Reiterated
Date:03/28/26
The score is driven primarily by financial performance: profitability and cash conversion are solid, but revenue volatility and higher reported leverage increase risk. Technicals are supportive with a clear uptrend, though overbought signals suggest caution near-term. Valuation adds support due to a moderate P/E and strong dividend yield.
Positive Factors
Steady return on equity
Return on equity near 9% across years signals consistent core profitability for a regional bank. Durable ROE supports internal capital generation, dividend capacity and loss absorption, enabling reinvestment and lending without persistent dependence on external equity issuance.
Negative Factors
Top-line volatility
A sharp revenue decline in 2025 after prior modest growth undermines top-line predictability. For a bank this reflects variable loan growth, fee income or trading results, complicating provisioning, capital planning and making earnings outcomes less reliable across multi-quarter horizons.
Read all positive and negative factors
Positive Factors
Negative Factors
Steady return on equity
Return on equity near 9% across years signals consistent core profitability for a regional bank. Durable ROE supports internal capital generation, dividend capacity and loss absorption, enabling reinvestment and lending without persistent dependence on external equity issuance.
Read all positive factors
Chongqing Rural Commercial Bank Co (3618) vs. iShares MSCI Hong Kong ETF (EWH)
Market Cap
HK$87.24B
Dividend Yield5.16%
Average Volume (3M)10.33M
Price to Earnings (P/E)4.3
Beta (1Y)0.31
Revenue Growth-1.33%
EPS Growth7.09%
CountryHK
Employees14,542
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)1.08
Shares Outstanding2,513,336,200
10 Day Avg. Volume11,948,258
30 Day Avg. Volume10,329,562
Financial Highlights & Ratios
PEG Ratio0.72
Price to Book (P/B)0.46
Price to Sales (P/S)2.25
P/FCF Ratio3.70
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
HK$8.74Price Target Upside― Downside
Rating ConsensusStrong Buy
Number of Analyst Covering4
EPS Forecast (FY)1.14
Revenue Forecast (FY)HK$30.42B
Chongqing Rural Commercial Bank Co Business Overview & Revenue Model
Company Description
Chongqing Rural Commercial Bank Co., Ltd., together with its subsidiaries, provides a range of banking and related financial services in the People's Republic of China. It operates in three segments: Corporate Banking, Personal Banking, and Financ...
How the Company Makes Money
The company primarily makes money through (1) net interest income and (2) non-interest income. Net interest income is generated by taking customer deposits and other funding sources and deploying those funds into interest-earning assets—mainly cus...
Chongqing Rural Commercial Bank Co Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
62
Positive
Cash Flow
69
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 39.07B | 27.88B | 52.28B | 22.02B | 54.73B | 56.53B |
| Gross Profit | 23.66B | 22.58B | 27.68B | 22.02B | 28.88B | 31.01B |
| EBITDA | 14.47B | 13.35B | 13.69B | 0.00 | 12.38B | 12.05B |
| Net Income | 12.26B | 12.10B | 11.51B | 10.90B | 10.28B | 9.56B |
Balance Sheet | ||||||
| Total Assets | 1.76T | 1.67T | 1.52T | 1.44T | 1.35T | 1.27T |
| Cash, Cash Equivalents and Short-Term Investments | 63.10B | 136.27B | 18.91B | 240.07B | 147.56B | 169.44B |
| Total Debt | 484.75B | 464.92B | 12.33B | 120.72B | 171.73B | 225.43B |
| Total Liabilities | 1.62T | 1.53T | 1.38T | 1.32T | 1.24T | 1.16T |
| Stockholders Equity | 135.51B | 137.19B | 132.13B | 122.17B | 113.72B | 104.95B |
Cash Flow | ||||||
| Free Cash Flow | -93.34B | 16.97B | 11.15B | 38.42B | 70.29B | 40.35B |
| Operating Cash Flow | -90.61B | 18.66B | 11.64B | 39.46B | 70.90B | 41.23B |
| Investing Cash Flow | -148.96B | -138.15B | -53.10B | 30.84B | -15.31B | -72.05B |
| Financing Cash Flow | 227.56B | 131.48B | 38.21B | -58.62B | -59.93B | 47.37B |
Chongqing Rural Commercial Bank Co 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% |
* Financial Sector Average
Performance Comparison
Chongqing Rural Commercial Bank Co Corporate Events
Chongqing Rural Commercial Bank Publishes 2025 Audited Annual Results
Mar 25, 2026
Chongqing Rural Commercial Bank Co., Ltd., a PRC-incorporated joint stock commercial bank with a domestic financial licence, operates under Chinese regulatory oversight and holds a unified social credit code issued in Chongqing. Although its share...
Chongqing Rural Commercial Bank Proposes 2025 Final Dividend With Currency Option and Tax Guidance
Mar 25, 2026
Chongqing Rural Commercial Bank has proposed a final ordinary dividend of RMB 1.1755 per 10 shares for the financial year ended 31 December 2025, with H-share holders able to receive payment in Hong Kong dollars or renminbi, subject to a later ann...
Chongqing Rural Commercial Bank Reshapes Board Committees to Restore Listing Rule Compliance
Mar 25, 2026
Chongqing Rural Commercial Bank has reshuffled the membership of several special committees of its fifth-session board following the death of director Li Jiaming, appointing new chairs and members to its strategic development, audit, nomination, r...
Chongqing Rural Commercial Bank Sets Board and Committee Line-Up, Clarifies Regulatory Status
Mar 25, 2026
Chongqing Rural Commercial Bank announced the composition of its board of directors, which includes executive, non-executive, and independent non-executive directors overseeing the bank’s governance. The disclosure clarifies the bank’s...
Chongqing Rural Commercial Bank Mourns Independent Director, Moves to Restore Board Compliance
Mar 20, 2026
Chongqing Rural Commercial Bank announced the recent passing of independent non-executive director Li Jiaming, who also chaired its audit and remuneration committees and sat on several other key board committees. The board expressed deep condolenc...
Chongqing Rural Commercial Bank Clarifies Board Structure and Regulatory Status
Mar 20, 2026
Chongqing Rural Commercial Bank has disclosed the current composition of its board of directors, listing two executive directors, three non-executive directors, and two independent non-executive directors, along with their respective responsibilit...
Chongqing Rural Commercial Bank Sets March 2026 Board Meeting to Approve 2025 Results
Mar 13, 2026
Chongqing Rural Commercial Bank Co., Ltd. has scheduled a board meeting for 25 March 2026 to review and approve the consolidated final results of the bank and its subsidiaries for the financial year ended 31 December 2025. The board will also cons...
Chongqing Rural Commercial Bank Finalizes 2024 Executive Pay
Feb 11, 2026
Chongqing Rural Commercial Bank Co., Ltd. has disclosed and finalized the 2024 pre-tax remuneration for its key executives, including directors and senior management, following approval by the board and its remuneration committee. The figures, whi...
Chongqing Rural Commercial Bank Reshapes Key Board Committees After New Chairman’s Appointment
Jan 29, 2026
Chongqing Rural Commercial Bank has reconfigured the membership of certain special committees of its fifth-session board of directors following the earlier appointment of Liu Xiaojun as chairman and executive director. Liu will now chair both the ...
Chongqing Rural Commercial Bank Details Board Composition and Committee Roles
Jan 29, 2026
Chongqing Rural Commercial Bank Co., Ltd. has outlined the current composition of its board of directors, comprising two executive directors, three non-executive directors and three independent non-executive directors, reflecting a governance stru...
Chongqing Rural Commercial Bank Announces Resignation of Non-Executive Director Peng Yulong
Jan 23, 2026
Chongqing Rural Commercial Bank Co., Ltd. announced that non-executive director Peng Yulong has resigned from the board and from his roles on the nomination committee and the consumer rights protection committee, effective 23 January 2026, citing ...
Chongqing Rural Commercial Bank Details Board Composition and Committee Roles
Jan 23, 2026
Chongqing Rural Commercial Bank Co., Ltd. has announced the current composition of its board of directors and detailed the allocation of roles across its eight board committees, including strategic development, risk management, audit, nomination, ...
Chongqing Rural Commercial Bank Outlines Board Composition and Committee Roles
Jan 8, 2026
Chongqing Rural Commercial Bank Co., Ltd. has announced the current composition of its board of directors, comprising executive directors Liu Xiaojun and Sui Jun, non-executive directors Ma Bao, Dong Bin, Yuan Gang and Peng Yulong, and independent...
Chongqing Rural Commercial Bank Names Liu Xiaojun as Chairman and Executive Director
Jan 8, 2026
Chongqing Rural Commercial Bank has appointed Liu Xiaojun as its chairman and an executive director, following approvals by the board, shareholders at the 2024 annual general meeting, and the Chongqing office of the National Financial Regulatory A...
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.
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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.