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Bank of Tianjin Co., Ltd. Class H
(1578)
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Rating:68Neutral
Price Target:
HK$2.50
▲(3.31% Upside)
Action:Reiterated
Date:08/06/26
The score is driven primarily by very attractive valuation (low P/E and high dividend yield), partially offset by mixed financial performance—especially the deterioration to negative operating/free cash flow in the last two years and the 2025 debt spike. Technicals are modestly supportive in the near term (above 20/50DMA with positive MACD) but longer-term trend signals remain weaker (below 100/200DMA).
Positive Factors
Consistent Profitability
Steady net income in the mid-single-digit billions across multiple years indicates an established core banking franchise and recurring earnings from lending and fee activities. Durable profitability supports internal capital generation, cushions loan losses, and underpins long-term dividend and strategic funding capacity.
Negative Factors
Weak and volatile cash generation
A reversal from positive cash conversion to consecutive negative operating and free cash flow undermines internal funding reliability. Persistent negative cash flows can force reliance on wholesale funding or asset sales, pressure dividend sustainability, and constrain loan growth or provisioning ability over the coming months.
Read all positive and negative factors
Positive Factors
Negative Factors
Consistent Profitability
Steady net income in the mid-single-digit billions across multiple years indicates an established core banking franchise and recurring earnings from lending and fee activities. Durable profitability supports internal capital generation, cushions loan losses, and underpins long-term dividend and strategic funding capacity.
Read all positive factors
Bank of Tianjin Co., Ltd. Class H (1578) vs. iShares MSCI Hong Kong ETF (EWH)
Market Cap
HK$13.20B
Dividend Yield7.35%
Average Volume (3M)58.12K
Price to Earnings (P/E)3.0
Beta (1Y)0.50
Revenue Growth-3.82%
EPS Growth0.34%
CountryHK
Employees6,621
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.61
Shares Outstanding1,764,599,000
10 Day Avg. Volume71,800
30 Day Avg. Volume58,116
Financial Highlights & Ratios
PEG Ratio-2.27
Price to Book (P/B)0.19
Price to Sales (P/S)0.44
P/FCF Ratio-1.03
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
Bank of Tianjin Co., Ltd. Class H Business Overview & Revenue Model
Company Description
Bank of Tianjin Co., Ltd. delivers a comprehensive suite of banking and financial solutions, primarily serving customers throughout the People's Republic of China. Its operations are structured into three key divisions: Corporate Banking, Personal...
How the Company Makes Money
The company primarily makes money through (1) net interest income and (2) non-interest income. (1) Net interest income: The bank gathers funds mainly via customer deposits and other borrowings, then deploys those funds into interest-earning assets...
Bank of Tianjin Co., Ltd. Class H Financial Statement Overview
Summary
Income Statement
66
Positive
Balance Sheet
58
Neutral
Cash Flow
42
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 31.85B | 31.04B | 15.80B | 8.69B | 8.23B | 7.84B |
| Gross Profit | 8.84B | 8.03B | 15.80B | 16.35B | 8.23B | 7.84B |
| EBITDA | 5.08B | 4.72B | 4.89B | 4.71B | 4.62B | 4.24B |
| Net Income | 3.68B | 3.77B | 3.80B | 3.76B | 3.56B | 3.20B |
Balance Sheet | ||||||
| Total Assets | 969.33B | 982.82B | 925.99B | 840.77B | 761.08B | 719.90B |
| Cash, Cash Equivalents and Short-Term Investments | 37.53B | 175.95B | 109.51B | 78.22B | 75.60B | 64.18B |
| Total Debt | 275.22B | 282.00B | 34.01B | 84.35B | 94.63B | 99.53B |
| Total Liabilities | 896.60B | 911.64B | 856.58B | 775.74B | 700.46B | 662.36B |
| Stockholders Equity | 71.77B | 70.27B | 68.55B | 64.19B | 59.78B | 56.70B |
Cash Flow | ||||||
| Free Cash Flow | 5.45B | -13.18B | -11.41B | 21.19B | 16.51B | -8.18B |
| Operating Cash Flow | 5.76B | -12.88B | -11.02B | 21.68B | 17.18B | -7.47B |
| Investing Cash Flow | -28.93B | 7.04B | -667.42M | -10.46B | -2.01B | 12.22B |
| Financing Cash Flow | 14.97B | 36.37B | 23.18B | -12.65B | -8.33B | -14.14B |
Bank of Tianjin Co., Ltd. Class H Technical Analysis
Positive
2.42
Price Trends
2.12
Positive
2.18
Negative
2.21
Negative
Market Momentum
0.01
Positive
53.02
Neutral
42.28
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HK:1578, the sentiment is Positive. The current price of 2.42 is above the 20-day moving average (MA) of 2.16, above the 50-day MA of 2.12, and above the 200-day MA of 2.21, indicating a neutral trend. The MACD of 0.01 indicates Positive momentum. The RSI at 53.02 is Neutral, neither overbought nor oversold. The STOCH value of 42.28 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for HK:1578.
Bank of Tianjin Co., Ltd. Class H Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
69 Neutral | HK$20.71B | 6.77 | 8.86% | 3.81% | 6.25% | 16.32% | |
68 Neutral | HK$13.20B | 2.97 | 5.18% | 7.35% | -3.82% | 0.34% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
61 Neutral | HK$16.09B | 8.23 | 4.01% | 2.37% | ― | ― | |
61 Neutral | HK$15.36B | 2.49 | 4.61% | 8.25% | -5.40% | 31.36% | |
61 Neutral | HK$13.42B | 2.95 | 7.55% | 7.55% | -1.55% | 10.31% | |
59 Neutral | HK$10.42B | 2.99 | 4.28% | 4.61% | -0.41% | 13.43% |
* Financial Sector Average
HK:1578
Bank of Tianjin Co., Ltd. Class H
2.13
-0.28
-11.50%
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0.92
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-13.60%
Bank of Tianjin Co., Ltd. Class H Corporate Events
Bank of Tianjin Gains Regulatory Approval for New Chief Compliance Officer
Jul 31, 2026
Bank of Tianjin has confirmed that Tianjin Financial Regulatory Bureau has formally approved the qualification of Ms. Dong Xiaodong as the bank’s Chief Compliance Officer. Following this regulatory clearance, Dong assumed the role on 29 July...
Bank of Tianjin gains regulatory approval for new independent director
May 19, 2026
Bank of Tianjin Co., Ltd., a PRC-incorporated joint stock commercial bank listed in Hong Kong, has a board composed of executive, non-executive and independent non-executive directors, reflecting a diversified governance structure. The bank operat...
Bank of Tianjin Details Board Line-up and Committee Structure to Bolster Governance
May 19, 2026
Bank of Tianjin has outlined the composition of its board of directors, listing executive, non-executive and independent non-executive members, with Chairman Yu Jianzhong and President Wu Hongtao leading the executive team. The announcement clarif...
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.