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Luzhou Bank Co., Ltd. Class H (1983) AI Stock Analysis
Luzhou Bank Co., Ltd. Class H
(HKEX:1983)
The overall score is primarily supported by strong financial performance at the income-statement level, including robust revenue and profit growth with healthy ROE, but is capped by elevated leverage and very volatile, recently negative cash flows that heighten risk. Attractive valuation, with a low P/E and high dividend yield, materially lifts the score by offering a compelling risk–reward profile, while moderately positive technicals—price above key moving averages and neutral momentum indicators—provide an additional, though secondary, tailwind without signaling extreme conditions.
Luzhou Bank Co., Ltd. Class H (1983) vs. iShares MSCI Hong Kong ETF (EWH)
- Market Cap
- HKD 5.84B
- Dividend Yield
- 6.95%
- Average Volume (3M)
- 17.95K
- Price to Earnings (P/E)
- 3.2
- Beta (1Y)
- 0.06
- Revenue Growth
- 5.86%
- EPS Growth
- 28.54%
- Country
- Hong Kong
- Employees
- 1,977
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
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, an...
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 paym...
Luzhou Bank Co., Ltd. Class H Financial Statement Overview
Summary
Financial performance is solid overall, driven by very strong revenue growth and rising net income with stable profit margins, but tempered by a sharp spike in leverage and highly volatile, recently negative operating and free cash flows that introduce moderate balance-sheet and liquidity risk.
Income Statement
82Very PositiveBalance Sheet
68PositiveCash Flow
45Neutral| 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 | 2.61B | 2.23B | 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 | -2.17B | -6.01B | 1.51B | -17.26B | 1.51B | -1.03B |
| Operating Cash Flow | -1.35B | -5.21B | 1.71B | -17.02B | 1.73B | -789.91M |
| Investing Cash Flow | -11.96B | -26.90B | 467.78M | 5.56B | 6.62B | -2.22B |
| Financing Cash Flow | 23.38B | 35.18B | -1.74B | 8.72B | -7.77B | 2.67B |
Luzhou Bank 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:1983, the sentiment is Positive. The current price of 2.15 is above the 20-day moving average (MA) of 2.15, above the 50-day MA of 2.13, and above the 200-day MA of 2.11, indicating a bullish trend. The MACD of 0.01 indicates Positive momentum. The RSI at 52.69 is Neutral, neither overbought nor oversold. The STOCH value of 57.14 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for HK:1983.
Luzhou Bank Co., Ltd. Class H Peers Comparison
Overall Rating
- HK:198377Outperform
HK:121659Neutral
HK:255854Neutral
HK:613847Neutral
HK:213941Neutral
HK:619039Underperform
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| HK:1983 | 77Outperform | HKD 5.84B | 3.20 | 14.00% | 6.95% | 5.86% | 28.54% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| HK:1216 | 59Neutral | HKD 10.23B | 2.89 | 4.32% | 4.69% | -0.41% | 13.43% |
| HK:2558 | 54Neutral | HKD 5.96B | 3.22 | 5.81% | 5.64% | -5.28% | -2.95% |
| HK:6138 | 47Neutral | HKD 3.13B | 3.89 | 2.45% | ― | -2.43% | 46.14% |
| HK:2139 | 41Neutral | HKD 3.74B | 5.22 | 1.81% | 54.71% | -4.02% | 10.02% |
| HK:6190 | 39Underperform | HKD 7.12B | 11.92 | 2.46% | 2.58% | -2.30% | 138.58% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| HK:1983 | Luzhou Bank Co., Ltd. Class H | 2.15 | 0.18 | 9.08% | |
| HK:6190 | Bank of Jiujiang Co., Ltd. Class H | 2.50 | 0.54 | 27.36% | |
| HK:6138 | Harbin Bank Co., Ltd. Class H | 0.28 | -0.11 | -27.85% | |
| HK:1216 | Zhongyuan Bank Co., Ltd. Class H | 0.28 | -0.03 | -9.68% | |
| HK:2139 | Bank of Gansu Co., Ltd. Class H | 0.25 | 0.09 | 55.00% | |
| HK:2558 | Jinshang Bank Co., Ltd. Class H | 1.02 | -0.24 | -19.30% |
Luzhou Bank Co., Ltd. Class H Corporate Events
Luzhou Bank Renews Connected Property Services Deal for Head Office
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
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 chaired b...
Luzhou Bank Sets Final 2025 Cash Dividend and Details Tax Treatment for H-Shareholders
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 dollars...
Luzhou Bank Sets 2025 AGM to Approve Results, Bond Issue and Major NPL Write-offs
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 con...
Luzhou Bank Updates Details of 2025 Final Cash Dividend and Tax Treatment
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 be...
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