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Chongqing Rural Commercial Bank Co (3618) AI Stock Analysis
Chongqing Rural Commercial Bank Co
(HKEX:3618)
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.
Chongqing Rural Commercial Bank Co (3618) vs. iShares MSCI Hong Kong ETF (EWH)
- Market Cap
- HKD 76.94B
- Dividend Yield
- 5.32%
- Average Volume (3M)
- 9.21M
- Price to Earnings (P/E)
- 6.3
- Beta (1Y)
- 0.36
- Revenue Growth
- 3.92%
- EPS Growth
- 15.22%
- Country
- Hong Kong
- Employees
- 14,266
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
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 Ba...
Chongqing Rural Commercial Bank Co Financial Statement Overview
Summary
Fundamentals are solid, led by strong cash generation (positive free cash flow across periods and sharp TTM growth) and healthy profitability. Offsetting factors are meaningful volatility in revenue and margins, plus elevated recent leverage (debt-to-equity ~3.4–3.6x) that increases sensitivity to stress conditions.
Income Statement
74PositiveBalance Sheet
58NeutralCash Flow
81Very 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
Price Trends
Market Momentum
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 6.78 is above the 20-day moving average (MA) of 6.43, above the 50-day MA of 6.41, and above 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
Overall Rating
- HK:361877Outperform
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| HK:3618 | 77Outperform | HKD 92.81B | 6.32 | 9.41% | 5.32% | 3.92% | 15.22% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| HK:3618 | Chongqing Rural Commercial Bank Co Class H | 6.78 | 0.67 | 10.90% |
Chongqing Rural Commercial Bank Co Corporate Events
Chongqing Rural Commercial Bank Delivers Double-Digit Profit Growth in Q3 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 and c...
Chongqing Rural Commercial Bank Elevates Wu Tao to Executive Director and President
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 compensat...
Chongqing Rural Commercial Bank Sets Board Meeting to Approve Q3 2026 Results
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 unde...
Chongqing Rural Commercial Bank Publishes 2026 Interim Results and Clarifies Regulatory Status
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 audit...
Chongqing Rural Commercial Bank Sets Board Meeting to Approve 2026 Interim Results
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 Mo...
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: Oct 31, 2026