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Chongqing Rural Commercial Bank Co
(3618)
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Rating:77Outperform
Price Target:
HK$7.50
Action:Reiterated
Date:10/31/26
The score is driven by attractive valuation (low P/E and high dividend yield) and supportive technical trend (price above major moving averages with positive MACD). Financial performance is fundamentally healthy with strong cash conversion, but the overall score is tempered by volatility in revenue/margins and elevated recent leverage that adds balance-sheet risk.
Positive Factors
Strong Cash Generation
Consistently positive free cash flow and strong conversion of earnings into cash indicate that reported profitability is supported by real cash generation. This provides the bank with greater capacity to absorb operating pressures, maintain capital allocation, and support ongoing business activity.
Negative Factors
Elevated Leverage
High and changing leverage increases the balance sheet’s sensitivity to funding costs, asset-quality pressure, and credit-cycle stress. It may reduce financial flexibility during adverse conditions and makes consistent leverage management important for preserving resilience over the next several quarters.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong Cash Generation
Consistently positive free cash flow and strong conversion of earnings into cash indicate that reported profitability is supported by real cash generation. This provides the bank with greater capacity to absorb operating pressures, maintain capital allocation, and support ongoing business activity.
Read all positive factors
Chongqing Rural Commercial Bank Co (3618) vs. iShares MSCI Hong Kong ETF (EWH)
Market Cap
HK$92.81B
Dividend Yield5.32%
Average Volume (3M)9.33M
Price to Earnings (P/E)6.3
Beta (1Y)0.36
Revenue Growth3.92%
EPS Growth15.22%
CountryHK
Employees14,266
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)1.13
Shares Outstanding2,513,336,200
10 Day Avg. Volume7,734,935
30 Day Avg. Volume9,329,266
Financial Highlights & Ratios
PEG Ratio0.87
Price to Book (P/B)0.46
Price to Sales (P/S)2.25
P/FCF Ratio3.70
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
HK$8.51Price Target Upside― Downside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)1.14
Revenue Forecast (FY)HK$30.88B
Chongqing Rural Commercial Bank Co Business Overview & Revenue Model
Company Description
Chongqing Rural Commercial Bank Co., Ltd., along with its subsidiaries, delivers a comprehensive array of banking and financial offerings throughout the People's Republic of China. Its operations are structured into three main divisions: Corporate...
Chongqing Rural Commercial Bank Co Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
58
Neutral
Cash Flow
81
Very Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 45.83B | 27.88B | 52.28B | 22.02B | 54.73B | 56.53B |
| Gross Profit | 25.08B | 22.58B | 27.68B | 22.02B | 28.88B | 31.01B |
| EBITDA | 15.26B | 14.59B | 13.69B | 13.05B | 12.38B | 12.05B |
| Net Income | 12.89B | 12.13B | 11.51B | 10.90B | 10.28B | 9.56B |
Balance Sheet | ||||||
| Total Assets | 1.77T | 1.67T | 1.52T | 1.44T | 1.35T | 1.27T |
| Cash, Cash Equivalents and Short-Term Investments | 58.68B | 136.27B | 18.91B | 240.07B | 147.56B | 169.44B |
| Total Debt | 523.69B | 464.92B | 12.33B | 120.72B | 171.73B | 225.43B |
| Total Liabilities | 1.63T | 1.53T | 1.38T | 1.32T | 1.24T | 1.16T |
| Stockholders Equity | 143.91B | 137.19B | 132.13B | 122.17B | 113.72B | 104.95B |
Cash Flow | ||||||
| Free Cash Flow | 27.54B | 16.97B | 11.15B | 38.42B | 70.29B | 40.35B |
| Operating Cash Flow | 31.55B | 18.66B | 11.64B | 39.46B | 70.90B | 41.23B |
| Investing Cash Flow | -106.99B | 2.32B | -53.10B | 30.84B | -15.31B | -72.05B |
| Financing Cash Flow | -25.45B | 9.62B | 38.21B | -58.62B | -59.93B | 47.37B |
Chongqing Rural Commercial Bank Co Technical Analysis
Positive
―
Price Trends
6.41
Positive
6.35
Positive
6.32
Positive
Market Momentum
0.05
Negative
66.88
Neutral
64.87
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HK:3618, the sentiment is Positive. The current price of undefined is equal to the 20-day moving average (MA) of 6.43, equal to the 50-day MA of 6.41, and equal to the 200-day MA of 6.32, indicating a bullish trend. The MACD of 0.05 indicates Negative momentum. The RSI at 66.88 is Neutral, neither overbought nor oversold. The STOCH value of 64.87 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for HK:3618.
Chongqing Rural Commercial Bank Co 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% |
* Financial Sector Average
Performance Comparison
Chongqing Rural Commercial Bank Co Corporate Events
Chongqing Rural Commercial Bank Delivers Double-Digit Profit Growth in Q3 2026
Oct 29, 2026
Chongqing Rural Commercial Bank reported unaudited consolidated third-quarter 2026 results under IFRS, showing solid growth in profitability and income. The board and senior management explicitly assume legal responsibility for the truthfulness an...
Chongqing Rural Commercial Bank Elevates Wu Tao to Executive Director and President
Oct 29, 2026
Chongqing Rural Commercial Bank has nominated deputy party committee secretary Wu Tao as an executive director, subject to shareholder approval and regulatory vetting. His board term will align with the current board session, and he will be compen...
Chongqing Rural Commercial Bank Sets Board Meeting to Approve Q3 2026 Results
Oct 16, 2026
Chongqing Rural Commercial Bank Co., Ltd. has scheduled a board meeting for 29 October 2026 to review and approve the unaudited quarterly results for the nine months ended 30 September 2026, along with their planned publication. The announcement u...
Chongqing Rural Commercial Bank Publishes 2026 Interim Results and Clarifies Regulatory Status
Aug 30, 2026
Chongqing Rural Commercial Bank has released its unaudited interim consolidated results for the six months ended 30 June 2026, prepared under Hong Kong listing rules and International Financial Reporting Standards and reviewed by its board and aud...
Chongqing Rural Commercial Bank Sets Board Meeting to Approve 2026 Interim Results
Aug 18, 2026
Chongqing Rural Commercial Bank Co., Ltd., a PRC-incorporated joint stock commercial bank with a mainland banking licence, primarily offers banking and financial services within China and operates outside the supervisory framework of the Hong Kong...
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.