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Bank of Chongqing Co., Ltd. Class H
(1963)
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Rating:65Neutral
Price Target:
HK$8.50
â–²(7.73% Upside)
Action:Downgraded
Date:10/29/26
The score is driven primarily by solid financial performance (strong recent revenue growth, healthy profitability, and very strong TTM cash generation), balanced against higher balance-sheet risk from a meaningful rise in leverage and historical cash flow volatility. Valuation is a clear positive (low P/E and high dividend yield), while technical indicators remain a headwind due to weak near-term momentum.
Positive Factors
Revenue and Profitability Growth
Strong recent revenue growth alongside healthy margins and higher net income indicates expanding earnings capacity. For a regional bank, this supports continued investment in customer relationships and services while providing a stronger base for profitability over the next several quarters.
Negative Factors
Meaningfully Higher Leverage
The sharp increase in leverage makes the balance sheet more sensitive to funding costs and credit conditions. Higher debt can reduce financial flexibility and increase the consequences of weaker asset quality or tighter funding, even while current earnings remain solid.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue and Profitability Growth
Strong recent revenue growth alongside healthy margins and higher net income indicates expanding earnings capacity. For a regional bank, this supports continued investment in customer relationships and services while providing a stronger base for profitability over the next several quarters.
Read all positive factors
Bank of Chongqing Co., Ltd. Class H (1963) vs. iShares MSCI Hong Kong ETF (EWH)
Market Cap
HK$40.41B
Dividend Yield6.18%
Average Volume (3M)1.01M
Price to Earnings (P/E)6.7
Beta (1Y)0.45
Revenue Growth10.30%
EPS Growth13.19%
CountryHK
Employees5,431
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)1.70
Shares Outstanding1,579,020,800
10 Day Avg. Volume1,172,728
30 Day Avg. Volume1,008,914
Financial Highlights & Ratios
PEG Ratio-7.10
Price to Book (P/B)0.45
Price to Sales (P/S)0.72
P/FCF Ratio0.26
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)1.72
Revenue Forecast (FY)HK$16.79B
Bank of Chongqing Co., Ltd. Class H Business Overview & Revenue Model
Company Description
Bank of Chongqing Co., Ltd. provides various banking and services for corporate and individual customers in the People’s Republic of China. The company operates through Corporate Banking, Personal banking, and Treasury operation segments. It offer...
Bank of Chongqing Co., Ltd. Class H Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
52
Neutral
Cash Flow
68
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 34.84B | 34.00B | 32.15B | 9.60B | 9.58B | 9.34B |
| Gross Profit | 13.11B | 10.44B | 13.64B | 9.60B | 13.27B | 9.34B |
| EBITDA | 7.13B | 6.82B | 6.90B | 6.53B | 6.69B | 6.44B |
| Net Income | 6.16B | 5.51B | 5.12B | 4.93B | 4.87B | 4.66B |
Balance Sheet | ||||||
| Total Assets | 1.13T | 1.03T | 856.64B | 759.88B | 684.71B | 618.95B |
| Cash, Cash Equivalents and Short-Term Investments | 39.65B | 145.40B | 63.40B | 55.74B | 48.52B | 44.39B |
| Total Debt | 412.66B | 400.78B | 194.99B | 156.41B | 136.13B | 120.60B |
| Total Liabilities | 1.06T | 976.52B | 792.88B | 700.58B | 633.22B | 569.71B |
| Stockholders Equity | 62.67B | 54.92B | 61.07B | 56.92B | 49.34B | 47.27B |
Cash Flow | ||||||
| Free Cash Flow | 105.02B | 95.15B | -21.42B | 4.03B | 4.97B | 4.74B |
| Operating Cash Flow | 106.20B | 96.43B | -20.75B | 4.45B | 5.31B | 5.09B |
| Investing Cash Flow | -130.46B | -52.33B | -14.50B | -20.98B | -12.89B | -15.84B |
| Financing Cash Flow | 39.78B | 6.52B | 32.21B | 16.32B | 9.94B | 16.27B |
Bank of Chongqing Co., Ltd. Class H Technical Analysis
Neutral
7.89
Price Trends
8.31
Negative
8.06
Negative
7.84
Positive
Market Momentum
-0.11
Positive
44.22
Neutral
32.26
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HK:1963, the sentiment is Neutral. The current price of 7.89 is below the 20-day moving average (MA) of 8.17, below the 50-day MA of 8.31, and above the 200-day MA of 7.84, indicating a neutral trend. The MACD of -0.11 indicates Positive momentum. The RSI at 44.22 is Neutral, neither overbought nor oversold. The STOCH value of 32.26 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for HK:1963.
Bank of Chongqing Co., Ltd. Class H Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
71 Outperform | HK$92.05B | 6.55 | 9.36% | 5.55% | 2.14% | 10.77% | |
68 Neutral | HK$12.02B | 2.76 | 5.18% | 7.89% | -3.82% | 0.34% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | HK$37.67B | 6.66 | 13.77% | 4.16% | 12.10% | 27.44% | |
65 Neutral | HK$40.41B | 6.66 | 10.10% | 6.18% | 10.30% | 13.19% | |
52 Neutral | HK$20.60B | 2.67 | 10.77% | 8.43% | 0.12% | 2.46% |
* Financial Sector Average
HK:1963
Bank of Chongqing Co., Ltd. Class H
8.21
0.60
7.90%
HK:3618
Chongqing Rural Commercial Bank Co
6.50
0.34
5.51%
HK:9889
Dongguan Rural Commercial Bank Co Ltd Class H
2.99
-0.17
-5.44%
HK:3866
Bank of Qingdao Co., Ltd. Class H
4.96
0.89
21.78%
HK:1578
Bank of Tianjin Co., Ltd. Class H
1.98
-0.37
-15.89%
Bank of Chongqing Co., Ltd. Class H Corporate Events
Bank of Chongqing posts double-digit profit and asset growth in Q3 2026
Oct 28, 2026
Bank of Chongqing Co., Ltd. reported solid growth for the third quarter of 2026, with total assets rising 8.98% to RMB 1.13 trillion and customer deposits up 12.64% from the end of 2025, underscoring ongoing balance sheet expansion and funding str...
Bank of Chongqing schedules board meeting to review Q3 2026 results and potential dividend
Oct 15, 2026
Bank of Chongqing Co., Ltd., a Chongqing-based joint stock commercial bank regulated in the PRC but not authorised as a banking institution in Hong Kong, serves customers under a domestic financial licence and corporate legal person registration. ...
Bank of Chongqing Publishes Unaudited 2026 Interim Results for Cross-Listed Investors
Aug 20, 2026
Bank of Chongqing Co., Ltd. has released its unaudited interim results for the six months ended June 30, 2026, together with its full 2026 Interim Report prepared in accordance with PRC Generally Accepted Accounting Principles. The report will be ...
Bank of Chongqing Sets Out Board Line-Up and Committee Roles
Aug 20, 2026
Bank of Chongqing Co., Ltd. has disclosed the current composition of its board of directors, comprising executive, non-executive and independent non-executive members, led by Chairman Yang Xiuming and President Gao Song. The announcement clarifies...
Bank of Chongqing Revamps Key Board Committees to Bolster Governance
Aug 20, 2026
Bank of Chongqing Co., Ltd., a PRC-incorporated joint stock commercial bank listed in Hong Kong, operates under domestic financial licences and is not subject to Hong Kong Monetary Authority supervision. Its business is focused on banking services...
Bank of Chongqing Schedules Board Meeting to Review Interim Results and Potential Dividend
Aug 10, 2026
Bank of Chongqing Co., Ltd., a PRC-incorporated joint stock commercial bank with a licensed financial operation in mainland China, clarified that it does not fall under Hong Kong’s banking regulatory regime and is not authorised to provide b...
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.