Harbin Bank Co., Ltd. Class H stock analysis
Harbin Bank Co., Ltd. Class H (5H6) Stock Price & Analysis
5H6 Stock Chart & Stats
- Day’s Range
- EUR 0.03 - EUR 0.03
- 52-Week Range
- EUR 0.03 - EUR 0.04
- Previous Close
- EUR 0.03
- Volume
- N/A
- Average Volume (3M)
- 0
- Market Cap
- EUR 385.66M
- Enterprise Value
- EUR 141.38B
- Total Cash (Recent Filing)
- EUR 95.32B
- Total Debt (Recent Filing)
- EUR 212.24B
- Price to Earnings (P/E)
- 4.2
- Beta
- 0.38
- Next Earnings
- Mar 31, 2027 (Est.)
- EPS Estimate
- N/A
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- N/A
Bulls Say, Bears Say
Bulls Say
Positive Free Cash Flow
A positive free cash flow in 2025 and FCF roughly tracking net income indicate the bank can convert reported profits into cash. Durable cash generation supports internal funding for lending, provisioning and operations over months ahead, reducing short-term dependence on external financing.
Revenue Step-up In 2025
A material revenue increase in 2025 reflects stronger top-line traction versus prior periods. Sustained higher revenue can provide scale to absorb fixed costs, expand fee businesses and improve long-term income diversification if management sustains growth initiatives and controls operating leverage.
Diversified Banking Revenue Model
A mix of interest income (corporate/retail lending) and fee-based services (payments, wealth, trade finance) creates structural revenue diversification. This reduces single-source dependency and helps stabilize income across economic cycles, supporting resilience over the medium term.
Bears Say
Sharp Rise In Leverage
A large jump in leverage materially raises funding and solvency risk. Higher debt-to-equity pressures regulatory capital ratios, increases interest expense sensitivity and reduces strategic flexibility, making the bank more vulnerable to adverse credit or liquidity shocks over the next several months.
Low Return On Equity
Persistently low ROE indicates the bank struggles to generate adequate returns on its capital base. Over time this limits retained-earnings growth, constrains capital buffers and reduces the bank’s ability to fund organic expansion or absorb loan losses without external capital infusions.
Volatile Cash Generation
Large swings in operating cash flow across years reveal inconsistent internal liquidity generation. This volatility undermines predictability for lending, provisioning and dividend policy, increasing reliance on external funding and raising the structural financing risk profile over the medium term.
Harbin Bank Co., Ltd. Class H News
5H6 FAQ
What was Harbin Bank Co., Ltd. Class H’s price range in the past 12 months?
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When is Harbin Bank Co., Ltd. Class H’s upcoming earnings report date?
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Company Description
Harbin Bank Co., Ltd. Class H
Founded in 1997 and based in Harbin, People's Republic of China, Harbin Bank Co., Ltd. delivers a broad spectrum of commercial banking services and offerings, predominantly within Mainland China. Its operations are structured into four key divisions: Corporate Financial Business, Retail Financial Business, Interbank Financial Business, and Other Business. The bank's extensive product portfolio encompasses various deposit accounts, including demand and time deposits, alongside diverse lending solutions such as personal, collateral-backed, corporate, and agricultural loans. It also issues both bank and credit cards. Furthermore, Harbin Bank provides essential services like settlement and clearing, facilitates trading activities, and offers personal wealth management advice. It participates in money market transactions, covering placements, investments, and repurchasing agreements, as well as foreign exchange services. For convenient access, clients can utilize online, mobile, and telephone banking platforms. The company also extends into insurance products, project financing, financial advisory and consulting, the underwriting and issuance of securities, and asset custody services. As of December 31, 2021, the bank's physical network comprised 311 branches, specifically 17 primary branches, 292 sub-branches, a dedicated financial service center for small enterprises, and a headquarters business department. The institution was previously known as Harbin City Commercial Bank Co., Ltd. before officially changing its name to Harbin Bank Co., Ltd. in November 2007.
- Sector
- Financial
- Industry
- Banks - Regional
- CEO
- Xinquan Deng
- Employees
- 8,806
- Website
- www.hrbb.com.cn
- Address
- No. 888 Shangjiang Street, Harbin, HLJ, 150010, CN
Harbin Bank Co., Ltd. Class H (5H6) Earnings & Revenues
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 6 | 3 | 12 |
| Technical Analysis | 4 | 2 | 3 |
| Moving Averages | 2 | 1 | 9 |
