Want to see HK:3618 full AI Analyst Report?
Top Page
Chongqing Rural Commercial Bank Co
(3618)
Select Model
Select Model
Rating:71Outperform
Price Target:
HK$7.50
Action:Upgraded
Date:09/06/26
The score is driven primarily by attractive valuation (low P/E and strong dividend yield) and a supportive technical setup (price above key moving averages with neutral-to-positive momentum). Financial performance is solid but capped by increased leverage and historical volatility, which elevates balance-sheet and consistency risk.
Positive Factors
Strong recent growth and profitability
The latest period combines strong revenue expansion with high operating and net margins, showing the bank is converting business activity into substantial earnings. If maintained, this profitability can support capital formation, lending capacity, and resilience across the next several quarters.
Negative Factors
Sharply higher leverage
The pronounced increase in leverage raises the bank's sensitivity to funding conditions and credit performance, even though leverage is inherent to banking. A larger debt burden can reduce flexibility and make earnings and capital outcomes more vulnerable if asset quality or funding costs deteriorate.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong recent growth and profitability
The latest period combines strong revenue expansion with high operating and net margins, showing the bank is converting business activity into substantial earnings. If maintained, this profitability can support capital formation, lending capacity, and resilience across the next several quarters.
Read all positive factors
Chongqing Rural Commercial Bank Co (3618) vs. iShares MSCI Hong Kong ETF (EWH)
Market Cap
HK$86.36B
Dividend Yield5.66%
Average Volume (3M)7.66M
Price to Earnings (P/E)6.1
Beta (1Y)0.40
Revenue Growth2.14%
EPS Growth10.77%
CountryHK
Employees14,266
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)1.11
Shares Outstanding2,513,336,200
10 Day Avg. Volume7,381,031
30 Day Avg. Volume7,663,594
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 TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)1.14
Revenue Forecast (FY)HK$30.74B
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...
How the Company Makes Money
Chongqing Rural Commercial Bank generally makes money through a mix of interest-based and fee-based income streams typical of commercial banks. (1) Net interest income: The bank collects interest on loans and other interest-earning assets (such as...
Chongqing Rural Commercial Bank Co Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
58
Neutral
Cash Flow
63
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 45.51B | 27.88B | 52.28B | 22.02B | 54.73B | 56.53B |
| Gross Profit | 24.20B | 22.58B | 27.68B | 22.02B | 28.88B | 31.01B |
| EBITDA | 14.60B | 14.59B | 13.69B | 13.05B | 12.38B | 12.05B |
| Net Income | 12.52B | 12.13B | 11.51B | 10.90B | 10.28B | 9.56B |
Balance Sheet | ||||||
| Total Assets | 1.79T | 1.67T | 1.52T | 1.44T | 1.35T | 1.27T |
| Cash, Cash Equivalents and Short-Term Investments | 58.78B | 136.27B | 18.91B | 240.07B | 147.56B | 169.44B |
| Total Debt | 522.53B | 464.92B | 12.33B | 120.72B | 171.73B | 225.43B |
| Total Liabilities | 1.65T | 1.53T | 1.38T | 1.32T | 1.24T | 1.16T |
| Stockholders Equity | 139.93B | 137.19B | 132.13B | 122.17B | 113.72B | 104.95B |
Cash Flow | ||||||
| Free Cash Flow | 19.39B | 16.97B | 11.15B | 38.42B | 70.29B | 40.35B |
| Operating Cash Flow | 22.29B | 18.66B | 11.64B | 39.46B | 70.90B | 41.23B |
| Investing Cash Flow | -143.52B | 2.32B | -53.10B | 30.84B | -15.31B | -72.05B |
| Financing Cash Flow | 13.03B | 9.62B | 38.21B | -58.62B | -59.93B | 47.37B |
Chongqing Rural Commercial Bank Co Technical Analysis
Positive
―
Price Trends
6.29
Positive
6.48
Negative
6.22
Positive
Market Momentum
0.04
Negative
51.60
Neutral
46.65
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 6.37, equal to the 50-day MA of 6.29, and equal to the 200-day MA of 6.22, indicating a bullish trend. The MACD of 0.04 indicates Negative momentum. The RSI at 51.60 is Neutral, neither overbought nor oversold. The STOCH value of 46.65 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 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...
Chongqing Rural Commercial Bank Reshapes Leadership and Board Committees After President’s Resignation
Jul 22, 2026
Chongqing Rural Commercial Bank announced that executive director and president Sui Jun has resigned from his roles, including chief compliance officer, authorised representative and chair of the risk management and consumer rights protection comm...
Chongqing Rural Commercial Bank Clarifies Board Structure and Governance Roles
Jul 22, 2026
Chongqing Rural Commercial Bank has announced the current composition of its board of directors, listing one executive director, three non-executive directors, and two independent non-executive directors. The bank also detailed the structure of it...
Chongqing Rural Commercial Bank Posts Steady Profit and Asset Growth in H1 2026
Jul 20, 2026
Chongqing Rural Commercial Bank reported solid interim results for the six months ended 30 June 2026, with operating income rising 7.78% year-on-year to RMB15.882 billion and profit before tax up 11.50% to RMB9.889 billion. Net profit attributable...
Chongqing Rural Commercial Bank Wins Extended Deadline to Restore Board Compliance
Jun 18, 2026
Chongqing Rural Commercial Bank has disclosed that, following the death of an independent non-executive director, its board has been out of compliance with Hong Kong Listing Rules requiring at least three independent non-executive directors and th...
Chongqing Rural Commercial Bank Sets 2025 Final Dividend and Clarifies Tax Terms
Jun 17, 2026
Chongqing Rural Commercial Bank has declared a final ordinary dividend for the financial year ended 31 December 2025, set at RMB 1.1755 per 10 shares, with shareholders having the option to receive payment in Hong Kong dollars at a default rate of...
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.