Bank of Guizhou Co. Ltd. Class H (6199) AI Stock Analysis

• Market Cap: HK$16.05B
• Dividend Yield: 4.98%
• Average Volume (3M): 49.87K
• Price to Earnings (P/E): 3.9
• Beta (1Y): 0.14
• Revenue Growth: 0.11%
• EPS Growth: 0.93%
• Country: HK
• Employees: 5,604
• Sector: Financial
• Sector Strength: 73
• Industry: Banks - Regional
• EPS (TTM): 0.28
• Shares Outstanding: 2,200,000,000
• 10 Day Avg. Volume: 72,800
• 30 Day Avg. Volume: 49,866
• PEG Ratio: 2.20
• Price to Book (P/B): 0.77
• Price to Sales (P/S): 0.00
• P/FCF Ratio: -7.49
• 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

• Rating: 66 Neutral
• Price Target: ―

Bank of Guizhou shows strong profitability and operational efficiency, yet faces challenges in revenue growth and cash flow management. The stock is attractively valued with a low P/E ratio and high dividend yield. However, technical indicators suggest limited near-term momentum. The combination of solid financial metrics and attractive valuation is offset by cash flow challenges and weak market momentum, resulting in a moderate overall score.

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

Company Description

Bank of Guizhou Co., Ltd. provides various banking products and services in the People's Republic of China. It operates through Corporate Banking, Retail Banking, and Financial Markets segments. The company offers time and demand deposits; corporate loans and advances, such as working capital and fixed asset loans; personal loans, including residential mortgage, business, and consumption loans; trade financing, agency, wealth management, consultancy, settlement and clearing, and acceptance and guarantee services; credit cards; remittance services; and loans to micro and small enterprises. It is also involved in the inter-bank money market transaction, transaction repurchase, and investment activities, as well as trading of debt securities. In addition, the company provides personal and corporate online banking services. As of December 31, 2021, it operated 8 branches. Bank of Guizhou Co., Ltd. was incorporated in 2012 and is headquartered in Guiyang, the People's Republic of China.

How the Company Makes Money

Bank of Guizhou Co. Ltd. generates revenue through its diverse range of banking services. The primary revenue stream comes from interest income earned on loans provided to individual and corporate clients. The bank also earns non-interest income through fees and commissions from services such as wealth management, payment processing, and other financial transactions. By maintaining a strong regional presence, the bank leverages its local expertise and customer relationships to drive growth. Furthermore, partnerships with other financial institutions and participation in regional development initiatives also contribute to its earnings, enhancing its service offerings and expanding its market reach.

Bank of Guizhou Co. Ltd. Class H Financial Statement Overview

Summary

Bank of Guizhou shows strong profitability with solid gross and EBIT margins. However, declining revenue growth and cash flow challenges, alongside increasing liabilities, indicate areas of concern and potential risk.

Income Statement

The Bank of Guizhou's income statement shows stable performance with a gross profit margin of 100% consistently over the years, indicating efficient cost management. However, the net profit margin has been slightly declining, from 36.19% in 2020 to 32.45% in 2024, reflecting increasing expenses or challenges in revenue growth. The revenue growth has fluctuated, with a notable decline from 2020 to 2024. The EBIT margin remains strong, suggesting good operational efficiency despite the revenue challenges.

Balance Sheet

The balance sheet reveals a healthy equity position with stockholders' equity increasing over the years, indicating strong shareholder confidence. The debt-to-equity ratio improved from 1.56 in 2020 to 0.17 in 2024, showing reduced leverage risk. The equity ratio has been stable, suggesting a balanced approach to asset financing. However, the substantial increase in total liabilities from 2020 to 2024 could pose future risks if not managed properly.

Cash Flow

Cash flow analysis indicates challenges with a negative operating cash flow in recent years, highlighting potential liquidity issues. Despite this, the free cash flow situation improved from 2020 to 2024, though it remains negative, indicating ongoing capital expenditure needs. The operating cash flow to net income ratio is negative, suggesting cash flow generation issues relative to reported earnings.

Breakdown
Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
7.87B	8.02B	11.47B	11.64B	10.22B
	Gross Profit
7.87B	8.02B	11.47B	11.64B	10.22B
	EBIT
4.34B	4.23B	16.69B	4.19B	4.36B
	EBITDA
0.00	0.00	0.00	0.00	0.00
	Net Income Common Stockholders
3.78B	3.65B	3.83B	3.71B	3.67B
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
8.16B	16.81B	28.45B	39.19B	49.35B
	Total Assets
589.99B	576.79B	533.78B	503.88B	456.40B
	Total Debt
9.00B	94.55B	85.10B	72.86B	56.30B
	Net Debt
841.39M	-35.72B	56.65B	33.67B	6.96B
	Total Liabilities
537.68B	528.37B	85.10B	72.86B	56.30B
	Stockholders Equity
52.31B	48.42B	43.97B	38.99B	36.03B
Cash Flow		Free Cash Flow
-5.17B	-5.45B	-4.51B	-1.17B	32.54B
	Operating Cash Flow
-4.96B	-5.16B	-4.27B	-649.39M	33.27B
	Investing Cash Flow
-17.56B	4.78B	-1.04B	6.83B	-28.57B
	Financing Cash Flow
7.41B	36.92B	11.75B	13.48B	-31.67B

Bank of Guizhou Co. Ltd. Class H Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 1.10
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HK:6199, the sentiment is Positive. The current price of 1.1 is above the 20-day moving average (MA) of 1.05, above the 50-day MA of 1.06, and below the 200-day MA of 1.22, indicating a neutral trend. The MACD of 0.01 indicates Negative momentum. The RSI at 61.31 is Neutral, neither overbought nor oversold. The STOCH value of 51.07 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for HK:6199.

Bank of Guizhou Co. Ltd. Class H Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
6199	66 Neutral	HK$16.05B	3.92	8.08%	4.98%	0.11%	0.93%
Sector *	64 Neutral	$12.77B	9.71	7.85%	78.05%	12.07%	-7.97%
ACGBF		$270.64B	6.28	10.80%	4.60%	―	―
CGMBF		$28.53B	4.61	5.54%	7.10%	―	―
CIHHF		$160.10B	8.37	14.86%	4.20%	―	―
CILJF		$134.40B	3.99	22.83%	2.67%	―	―
CRYYF		$6.95B	9.57	7.63%	5.53%	―	―

Bank of Guizhou Co. Ltd. Class H Corporate Events

Bank of Guizhou Reports Q1 2025 Financial Results

Bank of Guizhou Co., Ltd. has released its unaudited financial data for the first quarter of 2025, reporting total assets of RMB 5,854.83 million and total liabilities of RMB 5,326.89 million. The bank achieved an operating income of RMB 29.98 million and a net profit of RMB 13.66 million. The capital adequacy ratios met regulatory requirements, indicating a stable financial position. However, the figures are subject to adjustments during auditing, and stakeholders are advised to exercise caution when dealing with the bank’s securities.

Bank of Guizhou Releases 2024 Annual Results

Bank of Guizhou Co., Ltd. has announced its audited annual results for the year ended 31 December 2024, which have been reviewed and confirmed by its Board and audit committee. The results comply with the listing rules of the Hong Kong Stock Exchange and will be available on their website. This announcement may impact the company’s operations by providing transparency and maintaining compliance with regulatory requirements, potentially influencing stakeholder confidence.

Bank of Guizhou Proposes Final Dividend for 2024

Bank of Guizhou Co., Ltd. has announced a proposed distribution of a final cash dividend for the year ended December 31, 2024, amounting to RMB 0.5 per 10 shares. The announcement includes details on withholding tax rates applicable to non-resident shareholders, reflecting the company’s compliance with international tax treaties and its impact on shareholder returns.

Bank of Guizhou Secures Shareholder Approval for Expansion

Bank of Guizhou Co., Ltd. successfully held its second extraordinary general meeting (EGM) of 2025, where shareholders approved a special resolution regarding the acquisition of Tongren Fengyuan and the establishment of a new branch. The resolution was passed with over 95% of votes in favor, indicating strong shareholder support for the bank’s expansion strategy, which is likely to enhance its market positioning and operational capabilities.

Bank of Guizhou Schedules Board Meeting to Approve 2024 Annual Results

Bank of Guizhou Co., Ltd. has announced a board meeting scheduled for March 31, 2025, to discuss and approve the annual results for the year ending December 31, 2024, and to consider a final dividend payment. This meeting is significant for stakeholders as it will reveal the bank’s financial performance and potential dividend payouts, impacting investor confidence and market positioning.

Bank of Guizhou Announces EGM to Discuss Strategic Expansion

Bank of Guizhou Co., Ltd. has announced the convening of its second extraordinary general meeting (EGM) for 2025, scheduled for March 21, 2025. The meeting will address a special resolution regarding the acquisition of Tongren Fengyuan and the establishment of a new branch. This move could potentially expand the bank’s operational footprint and influence in the region, impacting its strategic positioning and offering new opportunities for stakeholders.