Bank of Qingdao Co., Ltd. Class H (3866) AI Stock Analysis

• Market Cap: HK$27.23B
• Dividend Yield: 4.78%
• Average Volume (3M): 2.70M
• Price to Earnings (P/E): 5.1
• Beta (1Y): 0.60
• Revenue Growth: 4.33%
• EPS Growth: 17.13%
• Country: HK
• Employees: 5,312
• Sector: Financial
• Sector Strength: 87
• Industry: Banks - Regional
• EPS (TTM): 0.79
• Shares Outstanding: 2,291,945,600
• 10 Day Avg. Volume: 2,797,950
• 30 Day Avg. Volume: 2,699,980
• PEG Ratio: 0.32
• Price to Book (P/B): 0.46
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 3.28
• 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

Bank of Qingdao Co., Ltd. Class H receives a score of 76, driven by strong technical momentum and attractive valuation metrics. The financial performance is solid but somewhat tempered by inconsistencies in revenue and cash flow data. Despite the overbought technical indicators, the stock's low P/E ratio and high dividend yield offer a compelling case for investment.

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

Company Description

Bank of Qingdao Co., Ltd. Class H (3866) is a commercial bank based in Qingdao, China. The bank offers a wide range of financial services primarily catering to individuals, businesses, and government entities. Its core products include deposit accounts, loans, trade financing, and wealth management services. The bank operates through a network of branches across various regions, providing localized banking solutions tailored to the needs of its diverse clientele.

How the Company Makes Money

Bank of Qingdao Co., Ltd. generates revenue through interest income from its lending activities, including personal loans, corporate loans, and mortgages. The bank also earns non-interest income from service charges, commission fees on wealth management and trade finance products, and transaction fees from its payment services. Additionally, it invests in securities and other financial instruments, which contributes to its income. Key factors contributing to its earnings include its strategic location in Qingdao, robust customer base, and partnerships with other financial institutions to enhance its product offerings.

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

Summary

Bank of Qingdao Co., Ltd. Class H demonstrates solid profitability with strong net and EBIT margins. However, inconsistencies in revenue growth and cash flow raise some red flags. The balance sheet is robust with a strong equity position, but challenges in debt management and missing asset data in recent years could impact future stability.

Income Statement

The company shows a strong gross and net profit margin, with the latest net margin at 31.6%. Revenue growth has been inconsistent, with a notable increase in 2024 over the previous year, but a decline in 2023. EBIT margins have been solid, reflecting efficient cost management. Overall, the income statement suggests profitability but with some variability in growth.

Balance Sheet

The bank maintains a stable equity base with a high equity ratio. However, the debt-to-equity ratio has fluctuated over the years, and total assets information is missing for 2024. Despite these challenges, the bank has a strong stockholder equity position, indicating a solid financial footing.

Cash Flow

Operating cash flows have been positive and significant, especially in earlier years, but there is a lack of data for 2024. Free cash flow showed robust growth in 2020 but has been inconsistent since. The absence of cash flow data for 2024 and prior volatility poses some concerns regarding cash management.

Breakdown
Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
12.27B	8.34B	10.35B	10.40B	9.60B
	Gross Profit
12.27B	8.34B	10.35B	10.40B	9.60B
	EBIT
13.50B	4.11B	14.59B	3.15B	2.67B
	EBITDA
0.00	0.00	0.00	0.00	0.00
	Net Income Common Stockholders
4.26B	3.55B	3.08B	2.92B	1.90B
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
0.00	14.93B	38.66B	60.58B	49.89B
	Total Assets
0.00	607.99B	529.61B	522.25B	459.83B
	Total Debt
0.00	89.82B	10.76B	28.01B	23.28B
	Net Debt
0.00	-47.08B	-27.90B	-32.57B	-26.61B
	Total Liabilities
0.00	568.05B	493.02B	488.92B	428.92B
	Stockholders Equity
43.93B	39.06B	35.82B	32.64B	30.29B
Cash Flow		Free Cash Flow
0.00	9.73B	-2.17B	2.38B	44.56B
	Operating Cash Flow
0.00	10.14B	-1.67B	3.01B	45.29B
	Investing Cash Flow
0.00	-17.05B	-10.27B	-4.45B	-30.37B
	Financing Cash Flow
0.00	10.99B	-19.45B	15.03B	-8.11B

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

• Technical Analysis Sentiment: Positive
• Last Price: 3.85
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HK:3866, the sentiment is Positive. The current price of 3.85 is above the 20-day moving average (MA) of 3.38, above the 50-day MA of 3.28, and above the 200-day MA of 2.81, indicating a bullish trend. The MACD of 0.16 indicates Negative momentum. The RSI at 77.59 is Negative, neither overbought nor oversold. The STOCH value of 91.38 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for HK:3866.

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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
1288	82 Outperform	$1.99T	5.44	10.80%	8.96%	-0.43%	11.31%
1398	78 Outperform	$2.49T	4.85		8.92%	-3.41%	-0.73%
3988	77 Outperform	$1.61T	5.01	9.57%	5.88%	6.59%	-0.89%
3866	76 Outperform	HK$27.23B	5.13	11.99%	4.78%	4.33%	17.13%
3968	74 Outperform	$1.17T	7.28	14.86%	4.68%	-2.77%	0.10%
1988	72 Outperform	HK$186.89B	5.41	5.54%	10.08%	-7.94%	-13.51%
Sector *	64 Neutral	$12.60B	9.73	7.92%	16985.68%	12.21%	-5.61%

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

Bank of Qingdao Reports Strong Q1 2025 Financial Results

Bank of Qingdao Co., Ltd. reported a strong financial performance for the first quarter of 2025, with a 9.58% increase in operating income and a 16.42% rise in net profit attributable to shareholders compared to the same period in 2024. The bank’s total assets grew by 3.36% from the end of the previous year, reflecting its solid market positioning and effective management strategies.

Bank of Qingdao Announces Upcoming Board Meeting for Quarterly Results

Bank of Qingdao Co., Ltd. has announced that its board of directors will hold a meeting on April 28, 2025, to consider and approve the first quarterly results for the period ending March 31, 2025, along with other matters. This announcement indicates the bank’s ongoing commitment to transparency and timely financial reporting, which may impact its stakeholders and market positioning.

Bank of Qingdao Reports Strong Financial Growth in 2024

Bank of Qingdao Co., Ltd. announced its audited annual results for the year ended December 31, 2024, showing a significant improvement in financial performance. The bank reported a 19.97% increase in net profit and a 21.05% rise in basic and diluted earnings per share, reflecting strong operational growth and effective cost management, which positions the bank favorably in the competitive banking sector.

Bank of Qingdao Announces Final Dividend for 2024

Bank of Qingdao Co., Ltd. has announced a final cash dividend of RMB 1.6 per 10 shares for the financial year ending December 31, 2024. This announcement, dated March 26, 2025, indicates a positive financial performance and shareholder return strategy. The dividend will be paid on July 25, 2025, with the ex-dividend date set for May 30, 2025. This move may enhance the company’s attractiveness to investors by demonstrating financial stability and commitment to shareholder value.

Bank of Qingdao Schedules Board Meeting to Approve Annual Results

Bank of Qingdao Co., Ltd. has announced a board meeting scheduled for March 26, 2025, to discuss and approve the annual financial results for the year ending December 31, 2024. This meeting will also address the potential payment of dividends, which could impact the company’s financial strategy and stakeholder interests.

Bank of Qingdao Reports Strong 2024 Financial Performance

Bank of Qingdao Co., Ltd. reported significant growth in its key financial metrics for 2024, including a 20.16% increase in net profit attributable to shareholders and a 13.48% rise in total assets. The bank’s strategic implementation of the ’14th Five Year Plan’ and focus on high-quality development have bolstered its market position, reflecting a robust performance in a pivotal year for its strategic goals.