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Yibin City Commercial Bank Co., Ltd. Class H (2596) AI Stock Analysis
Yibin City Commercial Bank Co., Ltd. Class H
(HKEX:2596)
The score is held back primarily by 2025 financial risks—negative operating/free cash flow, a 2025 revenue decline, and a large increase in reported debt—despite otherwise steady profitability and balance-sheet growth. Technicals are mildly constructive (price above key moving averages with neutral RSI), and valuation is average with a modest dividend yield.
Yibin City Commercial Bank Co., Ltd. Class H (2596) vs. iShares MSCI Hong Kong ETF (EWH)
- Market Cap
- HKD 12.14B
- Dividend Yield
- 1.55%
- Average Volume (3M)
- 29.05K
- Price to Earnings (P/E)
- 17.7
- Beta (1Y)
- 0.03
- Revenue Growth
- 6.09%
- EPS Growth
- ―
- Country
- Hong Kong
- Employees
- 1,122
- Sector
- General
- Sector Strength
- 55
- Industry
- Banks - Regional
Yibin City Commercial Bank Co., Ltd. Class H Business Overview & Revenue Model
Company Description
Yibin City Commercial Bank Co., Ltd. delivers a comprehensive range of banking and financial solutions to individuals, corporate clients, and small to medium-sized enterprises throughout the People's Republic of China. Its operations are broadly cate...
How the Company Makes Money
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Yibin City Commercial Bank Co., Ltd. Class H Financial Statement Overview
Summary
Income statement trends are mixed (steady profitability but 2025 revenue declined and margins softened), the balance sheet shows growing scale with modest ROE and a concerning 2025 jump in debt, and cash flow is the key weakness with a sharp swing to negative operating/free cash flow in 2025.
Income Statement
62PositiveBalance Sheet
67PositiveCash Flow
38Negative| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 4.47B | 4.33B | 4.23B | 3.88B | 3.04B | 2.79B |
| Gross Profit | 1.55B | 1.48B | 2.12B | 2.10B | 1.59B | 1.63B |
| EBITDA | 771.38M | 694.79M | 627.77M | 612.90M | 554.22M | 446.20M |
| Net Income | 582.06M | 545.84M | 513.43M | 468.47M | 437.71M | 352.51M |
Balance Sheet | ||||||
| Total Assets | 132.05B | 123.58B | 109.21B | 93.44B | 80.41B | 68.49B |
| Cash, Cash Equivalents and Short-Term Investments | 7.63B | 12.51B | 12.30B | 12.17B | 12.10B | 10.98B |
| Total Debt | 18.97B | 18.87B | 2.06B | 3.31B | 4.48B | 4.20B |
| Total Liabilities | 120.23B | 112.04B | 99.23B | 84.16B | 71.75B | 60.31B |
| Stockholders Equity | 11.55B | 11.27B | 9.70B | 8.98B | 8.37B | 7.88B |
Cash Flow | ||||||
| Free Cash Flow | -3.08B | -1.63B | 5.46B | 5.92B | 774.58M | 121.71M |
| Operating Cash Flow | -2.74B | -1.30B | 5.51B | 5.99B | 813.88M | 182.56M |
| Investing Cash Flow | -14.00B | 2.22B | -5.10B | -4.99B | -300.05M | -6.32B |
| Financing Cash Flow | 17.63B | 3.67B | -1.33B | -1.37B | 93.82M | 4.21B |
Yibin City Commercial 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:2596, the sentiment is Positive. The current price of 2.65 is above the 20-day moving average (MA) of 2.64, above the 50-day MA of 2.64, and above the 200-day MA of 2.62, indicating a bullish trend. The MACD of -0.00 indicates Negative momentum. The RSI at 50.98 is Neutral, neither overbought nor oversold. The STOCH value of 81.82 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for HK:2596.
Yibin City Commercial Bank Co., Ltd. Class H Peers Comparison
Overall Rating
HK:157868Neutral
HK:198363Neutral
HK:619962Neutral
HK:121659Neutral- HK:259656Neutral
HK:966849Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| HK:1578 | 68Neutral | HKD 11.87B | 2.71 | 5.18% | 7.99% | -3.82% | 0.34% |
| HK:1983 | 63Neutral | HKD 5.84B | 3.20 | 14.00% | 6.95% | 5.86% | 28.54% |
| 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:2596 | 56Neutral | HKD 12.14B | 17.70 | 5.10% | 1.55% | 6.09% | ― |
| Sector * | 55Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
| HK:9668 | 49Neutral | HKD 12.70B | 1.98 | 4.55% | ― | -5.40% | 31.36% |
* General Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| HK:2596 | Yibin City Commercial Bank Co., Ltd. Class H | 2.65 | 0.07 | 2.56% | |
| HK:9668 | China Bohai Bank Co., Ltd. Class H | 0.71 | -0.31 | -29.90% | |
| HK:1578 | Bank of Tianjin Co., Ltd. Class H | 1.96 | -0.39 | -16.63% | |
| HK:1216 | Zhongyuan Bank Co., Ltd. Class H | 0.28 | -0.03 | -9.68% | |
| HK:1983 | Luzhou Bank Co., Ltd. Class H | 2.15 | 0.18 | 9.08% | |
| HK:6199 | Bank of Guizhou Co. Ltd. Class H | 0.94 | -0.05 | -5.43% |
Yibin City Commercial Bank Co., Ltd. Class H Corporate Events
Yibin City Commercial Bank Sets Board Meeting to Approve 2026 Interim Results
Yibin City Commercial Bank has scheduled a board meeting for August 27, 2026, to review and approve the interim results of the bank and its subsidiaries for the first half of 2026. The announcement also confirms the current composition of the board,...
Yibin City Commercial Bank Wins Unanimous Backing at 2025 AGM
Yibin City Commercial Bank Co., Ltd. reported that its 2025 annual general meeting was held in Yibin, Sichuan, with all nine directors present and strong shareholder participation, representing about 72% of issued shares. Legal counsel and the H-shar...
Yibin City Commercial Bank Updates Final 2025 Dividend and Tax Terms for H Shareholders
Yibin City Commercial Bank has updated details of its final cash dividend for the year ended 31 December 2025, confirming a payout of RMB 0.0356 per share, equivalent to HKD 0.040934 per H share based on an exchange rate of RMB 1 to HKD 1.14984. The...
Yibin City Commercial Bank Buys Connected Commercial Property for RMB16 Million
Yibin City Commercial Bank has agreed to purchase newly constructed street-front commercial units in Yibin’s Cuiping District from Yibin Cuiping District Liya Real Estate Development Co., Ltd., a subsidiary of Yibin Development, for RMB16 milli...
Yibin City Commercial Bank Sets 2025 AGM to Overhaul Governance and Board
Yibin City Commercial Bank has called its 2025 annual general meeting for June 25, 2026 in Yibin, where shareholders will review the 2025 annual report, board and supervisory work reports, financial final accounts, budget execution, and the proposed...
Yibin City Commercial Bank Sets Fifth Board, Ensures Governance Continuity Pending Regulatory Approvals
Yibin City Commercial Bank has initiated the election of its fifth board of directors as the term of the fourth board nears expiry, approving a slate of executive, non-executive, independent non-executive, and one employee director candidate. The ban...
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 04, 2026