Want to see HK:1983 full AI Analyst Report?
Top Page
Luzhou Bank Co., Ltd. Class H
(1983)
Select Model
Select Model
Rating:63Neutral
Price Target:
HK$2.50
â–²(14.16% Upside)
Action:Reiterated
Date:08/06/26
The score is driven primarily by a mixed financial profile: strong reported growth and profitability are tempered by rising leverage signals and especially volatile, recently negative cash flows. Valuation is a major positive with a very low P/E and high dividend yield, while technical indicators are neutral-to-mixed with longer-term support but softer near-term momentum.
Positive Factors
Growing Asset Base
Sustained expansion of the asset base meaningfully increases lending capacity and deposit scale, allowing better loan diversification and fee opportunities. Over a multi-month horizon, larger scale supports competitive positioning versus smaller regional peers and helps absorb shocks.
Negative Factors
Rising Leverage
A material increase in debt alongside falling equity weakens capital buffers and heightens balance-sheet risk. This reduces regulatory headroom and financial flexibility, potentially constraining lending growth and increasing vulnerability to stress or funding cost shocks over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Growing Asset Base
Sustained expansion of the asset base meaningfully increases lending capacity and deposit scale, allowing better loan diversification and fee opportunities. Over a multi-month horizon, larger scale supports competitive positioning versus smaller regional peers and helps absorb shocks.
Read all positive factors
Luzhou Bank Co., Ltd. Class H (1983) vs. iShares MSCI Hong Kong ETF (EWH)
Market Cap
HK$5.52B
Dividend Yield7.44%
Average Volume (3M)9.47K
Price to Earnings (P/E)3.0
Beta (1Y)0.03
Revenue Growth5.86%
EPS Growth28.54%
CountryHK
Employees1,977
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.57
Shares Outstanding753,120,000
10 Day Avg. Volume25,300
30 Day Avg. Volume9,466
Financial Highlights & Ratios
PEG Ratio0.21
Price to Book (P/B)0.47
Price to Sales (P/S)0.60
P/FCF Ratio-0.88
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)0.59
Revenue Forecast (FY)HK$4.61B
Luzhou Bank Co., Ltd. Class H Business Overview & Revenue Model
Company Description
Luzhou Bank Co., Ltd. engages in the provision of corporate and retail banking, financial market, and other services in the People's Republic of China. The company operates in four segments: Corporate Banking, Retailing Banking, Financial Markets,...
How the Company Makes Money
Luzhou Bank’s primary earnings generally come from (1) net interest income—interest earned on loans and other interest-earning assets minus interest paid on customer deposits and other funding; (2) fee and commission income from services such as p...
Luzhou Bank Co., Ltd. Class H Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
58
Neutral
Cash Flow
41
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 8.54B | 8.86B | 4.82B | 2.98B | 2.59B | 7.54B |
| Gross Profit | 4.22B | 4.24B | 4.82B | 2.98B | 2.59B | 2.44B |
| EBITDA | 2.60B | 2.22B | 1.96B | 1.42B | 1.19B | 1.12B |
| Net Income | 1.62B | 1.50B | 1.28B | 994.24M | 807.53M | 734.26M |
Balance Sheet | ||||||
| Total Assets | 211.28B | 202.58B | 171.00B | 157.64B | 148.63B | 134.51B |
| Cash, Cash Equivalents and Short-Term Investments | 16.56B | 13.68B | 10.76B | 3.08B | 11.94B | 10.45B |
| Total Debt | 30.35B | 32.24B | 6.10B | 14.31B | 8.47B | 4.55B |
| Total Liabilities | 199.34B | 191.24B | 158.56B | 146.71B | 138.43B | 124.81B |
| Stockholders Equity | 11.84B | 11.24B | 12.44B | 10.93B | 10.20B | 9.70B |
Cash Flow | ||||||
| Free Cash Flow | -2.18B | -6.01B | 1.51B | -17.26B | 1.51B | -1.03B |
| Operating Cash Flow | -1.37B | -5.21B | 1.71B | -17.02B | 1.73B | -789.91M |
| Investing Cash Flow | -18.54B | -26.90B | 467.78M | 5.56B | 6.62B | -2.22B |
| Financing Cash Flow | 24.73B | 35.18B | -1.74B | 8.72B | -7.77B | 2.67B |
Luzhou Bank Co., Ltd. Class H Technical Analysis
Negative
2.19
Price Trends
2.23
Negative
2.23
Negative
2.08
Negative
Market Momentum
-0.05
Positive
18.65
Positive
8.05
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HK:1983, the sentiment is Negative. The current price of 2.19 is above the 20-day moving average (MA) of 2.19, below the 50-day MA of 2.23, and above the 200-day MA of 2.08, indicating a bearish trend. The MACD of -0.05 indicates Positive momentum. The RSI at 18.65 is Positive, neither overbought nor oversold. The STOCH value of 8.05 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for HK:1983.
Luzhou 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 | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | HK$6.48B | 3.54 | 5.81% | 5.18% | -5.28% | -2.95% | |
63 Neutral | HK$5.52B | 3.05 | 14.00% | 7.44% | 5.86% | 28.54% | |
59 Neutral | HK$10.78B | 3.10 | 4.28% | 4.46% | -0.41% | 13.43% | |
58 Neutral | HK$7.97B | 13.50 | 2.46% | 2.38% | -2.30% | 138.58% | |
47 Neutral | HK$3.52B | 4.41 | 2.45% | 9.11% | -2.43% | 46.14% | |
41 Neutral | HK$3.72B | 5.25 | 1.81% | 51.20% | -4.02% | 10.02% |
* Financial Sector Average
HK:1983
Luzhou Bank Co., Ltd. Class H
2.01
-0.29
-12.53%
HK:6190
Bank of Jiujiang Co., Ltd. Class H
2.70
-0.59
-18.06%
HK:6138
Harbin Bank Co., Ltd. Class H
0.32
-0.10
-25.00%
HK:1216
Zhongyuan Bank Co., Ltd. Class H
0.29
-0.04
-10.77%
HK:2139
Bank of Gansu Co., Ltd. Class H
0.27
0.09
50.57%
HK:2558
Jinshang Bank Co., Ltd. Class H
1.11
-0.26
-18.86%
Luzhou Bank Co., Ltd. Class H Corporate Events
Luzhou Bank Renews Connected Property Services Deal for Head Office
Jul 22, 2026
Luzhou Bank has renewed its integrated property services arrangement for the Business Building of its head office, appointing Luzhou Laojiao Property Service Co., Ltd. for a new term from 24 July 2026 to 23 July 2027. The decision follows the bank...
Luzhou Bank Shareholders Approve 2025 Results and Final Dividend at High-Participation AGM
Jun 30, 2026
Luzhou Bank Co., Ltd. reported that its 2025 annual general meeting was held on June 30, 2026 in Luzhou, Sichuan, with shareholders or proxies representing about 96.93% of the bank’s issued share capital in attendance. The meeting was chaire...
Luzhou Bank Sets Final 2025 Cash Dividend and Details Tax Treatment for H-Shareholders
Jun 30, 2026
Luzhou Bank has declared a final ordinary cash dividend of RMB 1.3 per 10 shares for the financial year ended 31 December 2025, with shareholders approving the payout on 30 June 2026. The dividend for H-share holders will be paid in Hong Kong doll...
Luzhou Bank Sets 2025 AGM to Approve Results, Bond Issue and Major NPL Write-offs
Jun 9, 2026
Luzhou Bank Co., Ltd., a joint stock commercial bank based in Luzhou, Sichuan Province, operates under PRC regulation and offers a range of banking and financial services, though it is not supervised by the Hong Kong Monetary Authority and cannot ...
Luzhou Bank Updates Details of 2025 Final Cash Dividend and Tax Treatment
Jun 9, 2026
Luzhou Bank Co., Ltd. has updated details of its proposed final cash dividend for the year ended 31 December 2025, declaring a payout of RMB 1.3 per 10 shares subject to shareholder approval on 30 June 2026. The dividend for H-share investors will...
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.