Dongguan Rural Commercial Bank Co Ltd Class H (HK:9889)
:9889
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Dongguan Rural Commercial Bank Co Ltd Class H
(9889)
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Rating:56Neutral
Price Target:
HK$3.50
▲(0.00% Upside)
Action:ReiteratedDate:03/29/26
The score is held back primarily by mixed financial quality—especially unstable/negative recent operating and free cash flow—and a weaker recent earnings/revenue trend with higher 2025 leverage. Technicals are also soft with the stock trading below key moving averages. These are partly offset by attractive valuation metrics (low P/E) and a high dividend yield.
Positive Factors
Scale: growing asset base
A materially larger balance sheet provides durable scale benefits for a regional bank: broader deposit funding, greater lending capacity, and improved ability to diversify credit risk across geographies and clients. This supports franchise resilience and underwriting capacity over the medium term.
Negative Factors
Weak operating and free cash flow
Repeated negative operating and free cash flow signals structural cash-generation weakness, increasing reliance on external funding and reducing financial flexibility. Over a multi-month horizon this raises liquidity and funding sensitivity, constraining growth, dividend coverage, and resilience to stress.
Read all positive and negative factors
Positive Factors
Negative Factors
Scale: growing asset base
A materially larger balance sheet provides durable scale benefits for a regional bank: broader deposit funding, greater lending capacity, and improved ability to diversify credit risk across geographies and clients. This supports franchise resilience and underwriting capacity over the medium term.
Read all positive factors
Dongguan Rural Commercial Bank Co Ltd Class H (9889) vs. iShares MSCI Hong Kong ETF (EWH)
Market Cap
HK$23.42B
Dividend Yield7.99%
Average Volume (3M)133.59K
Price to Earnings (P/E)5.8
Beta (1Y)0.36
Revenue Growth-7.29%
EPS Growth-14.37%
CountryHK
Employees7,859
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)N/A
Shares Outstanding1,148,091,000
10 Day Avg. Volume173,100
30 Day Avg. Volume133,590
Financial Highlights & Ratios
PEG Ratio-0.33
Price to Book (P/B)0.36
Price to Sales (P/S)0.98
P/FCF Ratio-0.99
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)N/A
Revenue Forecast (FY)N/A
Dongguan Rural Commercial Bank Co Ltd Class H Business Overview & Revenue Model
Company Description
Dongguan Rural Commercial Bank Co., Ltd. provides various commercial banking products and services in Dongguan. It operates through Corporate Banking, Personal Banking, Treasury, and Others segments. Its Corporate Banking segment offers various co...
How the Company Makes Money
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Dongguan Rural Commercial Bank Co Ltd Class H Financial Statement Overview
Summary
Income Statement
67
Positive
Balance Sheet
54
Neutral
Cash Flow
28
Negative
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 22.35B | 8.83B | 9.94B | 11.00B | 10.55B |
| Gross Profit | 8.37B | 8.83B | 9.94B | 13.23B | 12.94B |
| EBITDA | 4.03B | 4.53B | 5.59B | 6.71B | 6.38B |
| Net Income | 3.75B | 4.62B | 5.16B | 5.93B | 5.59B |
Balance Sheet | |||||
| Total Assets | 796.53B | 745.90B | 708.85B | 657.69B | 593.36B |
| Cash, Cash Equivalents and Short-Term Investments | 37.34B | 53.07B | 21.97B | 54.00B | 47.73B |
| Total Debt | 171.37B | 84.04B | 12.12B | 64.51B | 68.32B |
| Total Liabilities | 733.48B | 683.44B | 651.37B | 603.87B | 543.38B |
| Stockholders Equity | 60.32B | 59.55B | 54.65B | 51.13B | 47.38B |
Cash Flow | |||||
| Free Cash Flow | -22.02B | -47.22B | -12.29B | 28.94B | -16.40B |
| Operating Cash Flow | -21.66B | -46.97B | -12.09B | 29.28B | -16.02B |
| Investing Cash Flow | -41.76B | 22.22M | -22.80B | -20.03B | -8.69B |
| Financing Cash Flow | 61.61B | 40.57B | 31.59B | 37.64B | 20.66B |
Dongguan Rural Commercial Bank Co Ltd Class H Technical Analysis
Negative
3.50
Price Trends
3.44
Negative
3.43
Negative
3.55
Negative
Market Momentum
-0.01
Negative
43.64
Neutral
17.39
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HK:9889, the sentiment is Negative. The current price of 3.5 is above the 20-day moving average (MA) of 3.41, above the 50-day MA of 3.44, and below the 200-day MA of 3.55, indicating a bearish trend. The MACD of -0.01 indicates Negative momentum. The RSI at 43.64 is Neutral, neither overbought nor oversold. The STOCH value of 17.39 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for HK:9889.
Dongguan Rural Commercial 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 | HK$16.15B | 7.00 | 5.34% | 3.57% | 6.65% | 16.74% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | HK$31.31B | 3.97 | 12.57% | 4.45% | 4.33% | 17.13% | |
64 Neutral | HK$16.29B | 4.21 | 3.63% | 1.89% | -5.02% | -3.28% | |
57 Neutral | HK$15.28B | 2.83 | 4.11% | ― | -5.76% | 18.15% | |
56 Neutral | HK$23.42B | 5.83 | 6.51% | 7.99% | -7.29% | -14.37% |
* Financial Sector Average
HK:9889
Dongguan Rural Commercial Bank Co Ltd Class H
3.40
0.23
7.26%
HK:3866
Bank of Qingdao Co., Ltd. Class H
4.41
1.52
52.49%
HK:6196
Bank of Zhengzhou Co., Ltd. Class H
1.04
0.20
23.22%
HK:9668
China Bohai Bank Co., Ltd. Class H
0.86
0.03
3.61%
HK:9677
Weihai City Commercial Bank Co., Ltd. Class H
2.70
-0.13
-4.59%
Dongguan Rural Commercial Bank Co Ltd Class H Corporate Events
Dongguan Rural Commercial Bank Posts Audited 2025 Results and Sets Date for Full Annual Report
Mar 27, 2026
Dongguan Rural Commercial Bank Co., Ltd., a PRC-based joint stock commercial bank serving the Dongguan region and wider rural markets, operates under mainland regulation and is not supervised by the Hong Kong Monetary Authority. Listed in Hong Kon...
Dongguan Rural Commercial Bank Proposes 2025 Final Dividend of RMB 0.22 Per Share
Mar 27, 2026
Dongguan Rural Commercial Bank Co., Ltd. has proposed a final ordinary cash dividend of RMB 0.22 per share for the financial year ended 31 December 2025, with payment scheduled for 30 June 2026 subject to shareholder approval. The dividend for H-s...
Dongguan Rural Commercial Bank Details Board Line-Up and Governance Committees
Mar 27, 2026
Dongguan Rural Commercial Bank Co., Ltd. has announced the composition of its board of directors, which includes executive, non-executive, and independent non-executive directors, led by chairman Lu Guofeng and president Fu Qiang. The disclosure c...
Dongguan Rural Commercial Bank Sets Up Nomination and Remuneration Committee to Bolster Governance
Mar 27, 2026
Dongguan Rural Commercial Bank has established a Nomination and Remuneration Committee under its board of directors to strengthen performance appraisal, remuneration management, and director nomination in line with Chinese banking laws, corporate ...
Dongguan Rural Commercial Bank Tightens Governance With New Nomination and Remuneration Committee Rules
Mar 27, 2026
Dongguan Rural Commercial Bank has formalized detailed terms of reference for its Board Nomination and Remuneration Committee, aiming to strengthen performance appraisal and remuneration systems for directors and senior management. The move is des...
Dongguan Rural Commercial Bank Formalizes Audit Committee Governance Framework
Mar 27, 2026
Dongguan Rural Commercial Bank has set out formal terms of reference for its board-level Audit Committee to strengthen its corporate governance framework. The committee is established under Chinese company and banking laws, corporate governance st...
Dongguan Rural Commercial Bank Reshapes Board Committees Amid Regulatory Approvals
Mar 27, 2026
Dongguan Rural Commercial Bank has overhauled the composition of several key board committees, including its consumer rights protection, comprehensive risk management, related party transaction control, audit, and nomination and remuneration commi...
Dongguan Rural Commercial Bank Sets March 2026 Board Meeting to Approve 2025 Results and Final Dividend
Mar 17, 2026
Dongguan Rural Commercial Bank has scheduled a board meeting for 27 March 2026 to review and approve the annual results of the bank and its subsidiaries for the financial year ended 31 December 2025, and to authorize their public release. The boar...
Dongguan Rural Commercial Bank Overhauls Governance Structure After Regulatory Approval
Mar 13, 2026
Dongguan Rural Commercial Bank announced that amendments to its Articles of Association have been approved by the National Financial Regulatory Administration Dongguan Branch, effective 11 March 2026. As a result, the bank will abolish its board o...
Dongguan Rural Commercial Bank Details Board and Committee Structure
Mar 13, 2026
Dongguan Rural Commercial Bank Co., Ltd., a rural commercial lender based in Dongguan, Guangdong Province, operates as a joint stock company in mainland China and is listed in Hong Kong under stock code 9889. The bank focuses on serving local and ...
Dongguan Rural Commercial Bank Overhauls Governance, Dissolves Supervisory Board and Appoints New INEDs
Jan 8, 2026
Dongguan Rural Commercial Bank Co., Ltd. announced that its 2026 first extraordinary general meeting, alongside separate domestic and H share class meetings held on 8 January 2026 in Dongguan, successfully passed all proposed resolutions by poll, ...
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.