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Huishang Bank (3698) AI Stock Analysis
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Huishang Bank
(HKEX:3698)
The score is supported primarily by very strong valuation (low P/E and high dividend yield). This is tempered by moderate financial-performance risk, driven by leverage and cash-flow volatility despite solid long-term earnings growth, while technicals are neutral-to-mildly positive and do not materially change the view.
Huishang Bank (3698) vs. iShares MSCI Hong Kong ETF (EWH)
- Market Cap
- HKD 62.71B
- Dividend Yield
- 6.37%
- Average Volume (3M)
- 4.84M
- Price to Earnings (P/E)
- 3.4
- Beta (1Y)
- 0.51
- Revenue Growth
- 1.22%
- EPS Growth
- 10.58%
- Country
- Hong Kong
- Employees
- 13,727
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
Huishang Bank Business Overview & Revenue Model
Company Description
Huishang Bank Corporation Limited, along with its associated entities, delivers a comprehensive suite of commercial banking services throughout the People's Republic of China. Its operations are structured into four main divisions: Corporate Banking,...
How the Company Makes Money
Huishang Bank primarily earns money through (1) net interest income, generated by collecting interest on loans and other interest-earning assets while paying interest on customer deposits and other funding sources; profitability depends on loan growt...
Huishang Bank Financial Statement Overview
Summary
Income statement strength (score 72) shows solid multi-year revenue and net income growth with healthy recent net margins, but results are less consistent due to historical volatility in operating profitability/EBITDA comparability. Balance sheet risk (score 58) is elevated by a sharp 2025 leverage spike (debt-to-equity ~3.36) despite stable ROE (~9%–11%). Cash flow quality (score 49) is a key drag due to large swings and notably negative years, reducing confidence in cash conversion stability.
Income Statement
72PositiveBalance Sheet
58NeutralCash Flow
49Neutral| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 54.16B | 75.91B | 33.76B | 27.80B | 29.36B | 22.16B |
| Gross Profit | 33.15B | 39.29B | 33.76B | 27.80B | 29.36B | 22.16B |
| EBITDA | 20.31B | 19.46B | 19.07B | 18.64B | 18.35B | 14.54B |
| Net Income | 16.49B | 16.10B | 15.41B | 14.43B | 13.40B | 11.46B |
Balance Sheet | ||||||
| Total Assets | 2.49T | 2.33T | 2.01T | 1.81T | 1.58T | 1.38T |
| Cash, Cash Equivalents and Short-Term Investments | 95.23B | 89.06B | 24.78B | 27.51B | 36.57B | 19.72B |
| Total Debt | 589.58B | 564.91B | 69.41B | 182.65B | 218.96B | 32.42B |
| Total Liabilities | 2.33T | 2.16T | 1.85T | 1.66T | 1.46T | 1.27T |
| Stockholders Equity | 154.52B | 167.95B | 157.45B | 142.98B | 119.61B | 108.56B |
Cash Flow | ||||||
| Free Cash Flow | 30.34B | 27.96B | -159.44B | 89.96B | 49.63B | 36.19B |
| Operating Cash Flow | 31.23B | 28.82B | -158.87B | 90.58B | 50.19B | 37.01B |
| Investing Cash Flow | -189.13B | -313.75B | -69.00B | -60.80B | -64.96B | -36.19B |
| Financing Cash Flow | 213.00B | 278.90B | 227.02B | -33.63B | 28.28B | -9.31B |
Huishang Bank Peers Comparison
Overall Rating
HK:361875Outperform
HK:386671Outperform- HK:369869Neutral
HK:196365Neutral
HK:619659Neutral
HK:988952Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| HK:3618 | 75Outperform | HKD 92.81B | 6.32 | 9.41% | 5.32% | 3.92% | 15.22% |
| HK:3866 | 71Outperform | HKD 37.33B | 6.59 | 13.77% | 4.19% | 12.10% | 27.44% |
| HK:3698 | 69Neutral | HKD 62.71B | 3.36 | 10.23% | 6.37% | 1.22% | 10.58% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| HK:1963 | 65Neutral | HKD 40.47B | 6.65 | 10.47% | 6.14% | 10.30% | 13.19% |
| HK:6196 | 59Neutral | HKD 15.71B | 7.86 | 4.11% | 2.50% | ― | ― |
| HK:9889 | 52Neutral | HKD 20.98B | 2.72 | 10.77% | 8.27% | 0.12% | 2.46% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| HK:3698 | Huishang Bank Corporation Class H | 4.51 | 1.25 | 38.16% | |
| HK:3618 | Chongqing Rural Commercial Bank Co Class H | 6.78 | 0.67 | 10.90% | |
| HK:9889 | Dongguan Rural Commercial Bank Co Ltd Class H | 3.04 | -0.10 | -3.15% | |
| HK:3866 | Bank of Qingdao Co., Ltd. Class H | 4.93 | 0.85 | 20.74% | |
| HK:1963 | Bank of Chongqing Co., Ltd. Class H | 8.26 | 0.72 | 9.50% | |
| HK:6196 | Bank of Zhengzhou Co., Ltd. Class H | 0.88 | -0.40 | -31.10% |
Huishang Bank Corporate Events
Huishang Bank Shareholders Approve 2025 Results and Final Dividend at AGM
Huishang Bank held its 2025 annual general meeting in Hefei on June 30, 2026, where shareholders representing about 78% of voting shares participated either in person or by proxy. All resolutions were approved by poll except a supplemental resolution...
Huishang Bank Refines Audit Committee Mandate to Strengthen Governance
Huishang Bank has formalized updated terms of reference for its Board Audit Committee to strengthen corporate governance and internal supervision. The committee is defined as a specialized body overseeing internal controls, financial reporting and di...
Huishang Bank Faces Competing Dividend Proposals at 2025 AGM
Huishang Bank has issued a supplemental notice for its 2025 annual general meeting after receiving an additional dividend proposal from three shareholder entities holding about 1.62% of its share capital. The new proposal will be put to a vote alongs...
Huishang Bank Sets Alternative Dividend Plans for 2025, Warns of Shareholder Deadlock Risk
Huishang Bank has updated its final dividend announcement for the year ended 31 December 2025, outlining alternative cash distribution plans subject to shareholder approval at its upcoming annual general meeting. Shareholders will vote separately on...
Huishang Bank Sets 2025 AGM to Vote on Results, Capital Plans and A-Share IPO Extension
Huishang Bank has scheduled its 2025 annual general meeting for June 30, 2026, in Hefei, where shareholders will vote on its 2025 financial accounts, profit distribution plan, 2026 capital expenditure budget, and the appointment of external auditors....
Huishang Bank Updates Final 2025 Dividend Timetable and Key Details
Huishang Bank Corporation Limited has updated details of its final cash dividend for the financial year ended 31 December 2025, declaring a payout of RMB 2.5 per 10 shares, inclusive of tax. The update confirms shareholder approval is scheduled for 3...
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 06, 2026