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Bank of Tianjin Co., Ltd. Class H (1578) AI Stock Analysis
Bank of Tianjin Co., Ltd. Class H
(HKEX:1578)
Score driven by mixed financial performance with revenue strength offset by cash flow weaknesses and debt concerns, bolstered by attractive valuation; technicals show short-term positivity but potential overbought risks.
Bank of Tianjin Co., Ltd. Class H (1578) vs. iShares MSCI Hong Kong ETF (EWH)
- Market Cap
- HKD 11.87B
- Dividend Yield
- 7.99%
- Average Volume (3M)
- 80.68K
- Price to Earnings (P/E)
- 2.7
- Beta (1Y)
- 0.38
- Revenue Growth
- -3.82%
- EPS Growth
- 0.34%
- Country
- Hong Kong
- Employees
- 6,558
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
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 Ba...
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 su...
Bank of Tianjin Co., Ltd. Class H Financial Statement Overview
Summary
Mixed financials with strong revenue growth but declining margins, moderate balance sheet stability amid high debt, and weak cash flows showing recent negative trends.
Income Statement
65PositiveBalance Sheet
55NeutralCash Flow
40Negative| 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 | 5.09B | 4.88B | 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
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HK:1578, the sentiment is Negative. The current price of 1.96 is below the 20-day moving average (MA) of 2.00, below the 50-day MA of 2.08, and below the 200-day MA of 2.17, indicating a bearish trend. The MACD of -0.03 indicates Positive momentum. The RSI at 30.32 is Neutral, neither overbought nor oversold. The STOCH value of 10.97 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for HK:1578.
Bank of Tianjin Co., Ltd. Class H Peers Comparison
Overall Rating
HK:967771Outperform- HK:157866Neutral
HK:619962Neutral
HK:121659Neutral
HK:619659Neutral
HK:966849Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| HK:9677 | 71Outperform | HKD 21.16B | 6.86 | 8.86% | 3.73% | 6.25% | 16.32% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| HK:1578 | 66Neutral | HKD 11.87B | 2.71 | 5.18% | 7.99% | -3.82% | 0.34% |
| HK:6199 | 62Neutral | HKD 13.71B | 2.93 | 7.75% | 7.35% | -1.55% | 10.31% |
| HK:1216 | 59Neutral | HKD 10.23B | 2.89 | 4.32% | 4.69% | -0.41% | 13.43% |
| HK:6196 | 59Neutral | HKD 15.71B | 7.86 | 4.11% | 2.50% | ― | ― |
| HK:9668 | 49Neutral | HKD 12.70B | 1.98 | 4.55% | ― | -5.40% | 31.36% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| HK:1578 | Bank of Tianjin Co., Ltd. Class H | 1.96 | -0.39 | -16.63% | |
| HK:6196 | Bank of Zhengzhou Co., Ltd. Class H | 0.88 | -0.40 | -31.10% | |
| HK:9668 | China Bohai Bank Co., Ltd. Class H | 0.71 | -0.31 | -29.90% | |
| HK:9677 | Weihai City Commercial Bank Co., Ltd. Class H | 3.08 | 0.31 | 11.03% | |
| HK:1216 | Zhongyuan Bank Co., Ltd. Class H | 0.28 | -0.03 | -9.68% | |
| HK:6199 | Bank of Guizhou Co. Ltd. Class H | 0.94 | -0.05 | -5.43% |
Bank of Tianjin Co., Ltd. Class H Corporate Events
Bank of Tianjin Gains Regulatory Approval for New Chief Compliance Officer
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 20...
Bank of Tianjin gains regulatory approval for new independent director
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 operates...
Bank of Tianjin Details Board Line-up and Committee Structure to Bolster Governance
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 clarifies...
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.
Date of analysis: Aug 06, 2026