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Yibin City Commercial Bank Co., Ltd. Class H
(2596)
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Rating:56Neutral
Price Target:
HK$2.50
▼(-4.94% Downside)
Action:Reiterated
Date:08/04/26
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.
Positive Factors
Balance-Sheet Scale
Consistent asset expansion indicates a larger operating and lending platform, which can support broader customer reach and revenue opportunities. The scale also provides a stronger base for future growth, although funding quality remains important.
Negative Factors
Revenue Contraction
The 2025 revenue decline signals weakening business momentum and may constrain future profit growth if it persists. Slower top-line expansion can also reduce operating leverage and make it harder to absorb rising funding, credit, or personnel costs.
Read all positive and negative factors
Positive Factors
Negative Factors
Balance-Sheet Scale
Consistent asset expansion indicates a larger operating and lending platform, which can support broader customer reach and revenue opportunities. The scale also provides a stronger base for future growth, although funding quality remains important.
Read all positive factors
Yibin City Commercial Bank Co., Ltd. Class H (2596) vs. iShares MSCI Hong Kong ETF (EWH)
Market Cap
HK$12.11B
Dividend Yield1.55%
Average Volume (3M)7.97K
Price to Earnings (P/E)17.8
Beta (1Y)0.02
Revenue Growth6.09%
EPS GrowthN/A
CountryHK
Employees1,122
SectorGeneral
Sector StrengthN/A
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.13
Shares Outstanding688,400,000
10 Day Avg. Volume10,800
30 Day Avg. Volume7,966
Financial Highlights & Ratios
PEG Ratio2.17
Price to Book (P/B)0.96
Price to Sales (P/S)2.49
P/FCF Ratio-6.63
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)N/A
Revenue Forecast (FY)N/A
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 c...
How the Company Makes Money
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Yibin City Commercial Bank Co., Ltd. Class H Financial Statement Overview
Summary
Income Statement
62
Positive
Balance Sheet
67
Positive
Cash Flow
38
Negative
| 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 | 770.32M | 689.95M | 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
Negative
2.63
Price Trends
2.61
Positive
2.60
Positive
Market Momentum
<0.01
Negative
49.00
Neutral
77.78
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HK:2596, the sentiment is Negative. The current price of 2.63 is above the 20-day moving average (MA) of 2.61, above the 50-day MA of 2.61, and equal to the 200-day MA of ―, indicating a neutral trend. The MACD of <0.01 indicates Negative momentum. The RSI at 49.00 is Neutral, neither overbought nor oversold. The STOCH value of 77.78 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for HK:2596.
Yibin City Commercial Bank Co., Ltd. Class H Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
68 Neutral | HK$12.93B | 3.05 | 5.18% | 7.18% | -3.82% | 0.34% | |
63 Neutral | HK$5.49B | 3.08 | 14.00% | 7.29% | 5.86% | 28.54% | |
61 Neutral | HK$15.45B | 2.55 | 4.61% | 8.25% | -5.40% | 31.36% | |
61 Neutral | HK$13.42B | 2.98 | 7.55% | 7.51% | -1.55% | 10.31% | |
59 Neutral | HK$10.42B | 2.99 | 4.28% | 4.61% | -0.41% | 13.43% | |
56 Neutral | HK$12.11B | 17.82 | 5.10% | 1.55% | 6.09% | ― | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
HK:2596
Yibin City Commercial Bank Co., Ltd. Class H
2.64
0.08
3.17%
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0.87
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-22.07%
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-13.13%
Yibin City Commercial Bank Co., Ltd. Class H Corporate Events
Yibin City Commercial Bank Sets Board Meeting to Approve 2026 Interim Results
Aug 17, 2026
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 boar...
Yibin City Commercial Bank Wins Unanimous Backing at 2025 AGM
Jun 25, 2026
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-s...
Yibin City Commercial Bank Updates Final 2025 Dividend and Tax Terms for H Shareholders
Jun 25, 2026
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. T...
Yibin City Commercial Bank Buys Connected Commercial Property for RMB16 Million
Jun 15, 2026
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 mi...
Yibin City Commercial Bank Sets 2025 AGM to Overhaul Governance and Board
Jun 4, 2026
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 propos...
Yibin City Commercial Bank Sets Fifth Board, Ensures Governance Continuity Pending Regulatory Approvals
Jun 1, 2026
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 ...
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.