tiprankstipranks
Harbin Bank Co., Ltd. Class H (HK:6138)
:6138
Want to see HK:6138 full AI Analyst Report?

Harbin Bank Co., Ltd. Class H (6138) Price & Analysis

2 Followers

6138 Stock Chart & Stats

HK$0.36
>-HK$0.01(-1.47%)
At close: 4:00 PM EST
HK$0.36
>-HK$0.01(-1.47%)

Bulls Say, Bears Say

Bulls Say
Revenue Step-upA sharp revenue step-up in 2025 provides a larger operating base that can sustain investment in distribution, products and digital channels. If management stabilises cost and funding dynamics, the bigger top line creates durable scale benefits and room to improve core earnings over months.
Positive Free Cash FlowPositive free cash flow in 2025 and an FCF-to-net-income relationship near 0.9x show the bank can convert earnings into cash. Sustained cash conversion supports reinvestment in lending, loan-loss absorption and discretionary capital uses, enhancing financial durability if volatility eases.
Diversified Commercial Banking FranchiseHarbin Bank’s core retail, SME and corporate franchise with deposit-taking, lending and fee services is a diversified, traditional business model. Deposit-funded lending and recurring fee streams are structurally stable drivers of net interest and non-interest income across economic cycles.
Bears Say
Sharp Leverage IncreaseA material jump in leverage to ~4.17x from near-zero materially raises balance-sheet risk. Higher leverage constrains regulatory capital headroom, increases sensitivity to provisioning or credit shocks, and limits strategic flexibility for lending or capital returns in the coming months.
Margin CompressionMargins fell despite revenue growth, signalling that top-line gains are not translating into proportionate profit. Persistent margin pressure—from funding costs, pricing or higher operating expense—will limit sustainable ROE and the bank’s ability to build retained earnings over the next 2–6 months.
Volatile Cash FlowsOperating cash flows have swung materially across years and FCF growth plunged ~-103% in 2025. That volatility undermines predictability for provisioning, capital planning and dividend capacity, increasing execution risk and reducing resilience to future funding stress.

Harbin Bank Co., Ltd. Class H News

6138 FAQ

What was Harbin Bank Co., Ltd. Class H’s price range in the past 12 months?
Harbin Bank Co., Ltd. Class H lowest stock price was HK$0.30 and its highest was HK$0.51 in the past 12 months.
    What is Harbin Bank Co., Ltd. Class H’s market cap?
    Harbin Bank Co., Ltd. Class H’s market cap is HK$3.41B.
      When is Harbin Bank Co., Ltd. Class H’s upcoming earnings report date?
      Harbin Bank Co., Ltd. Class H’s upcoming earnings report date is Aug 31, 2026 which is in 76 days.
        How were Harbin Bank Co., Ltd. Class H’s earnings last quarter?
        Harbin Bank Co., Ltd. Class H released its earnings results on Mar 27, 2026. The company reported HK$0.005 earnings per share for the quarter, beating the consensus estimate of N/A by HK$0.005.
          Is Harbin Bank Co., Ltd. Class H overvalued?
          According to Wall Street analysts Harbin Bank Co., Ltd. Class H’s price is currently Overvalued. Get more investment ideas with TipRanks Premium
            Does Harbin Bank Co., Ltd. Class H pay dividends?
            Harbin Bank Co., Ltd. Class H pays a Annually dividend of HK$0.109 which represents an annual dividend yield of N/A. See more information on Harbin Bank Co., Ltd. Class H dividends here
              What is Harbin Bank Co., Ltd. Class H’s EPS estimate?
              Harbin Bank Co., Ltd. Class H’s EPS estimate for its next earnings report is not yet available.
              How many shares outstanding does Harbin Bank Co., Ltd. Class H have?
              Harbin Bank Co., Ltd. Class H has 3,023,569,800 shares outstanding.
                What happened to Harbin Bank Co., Ltd. Class H’s price movement after its last earnings report?
                Harbin Bank Co., Ltd. Class H reported an EPS of HK$0.005 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went down -1.471%.
                  Which hedge fund is a major shareholder of Harbin Bank Co., Ltd. Class H?
                  Currently, no hedge funds are holding shares in HK:6138
                  What is the TipRanks Smart Score and how is it calculated?
                  Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology

                    Company Description

                    Harbin Bank Co., Ltd. Class H

                    Founded in 1997 and based in Harbin, People's Republic of China, Harbin Bank Co., Ltd. delivers a broad spectrum of commercial banking services and offerings, predominantly within Mainland China. Its operations are structured into four key divisions: Corporate Financial Business, Retail Financial Business, Interbank Financial Business, and Other Business. The bank's extensive product portfolio encompasses various deposit accounts, including demand and time deposits, alongside diverse lending solutions such as personal, collateral-backed, corporate, and agricultural loans. It also issues both bank and credit cards. Furthermore, Harbin Bank provides essential services like settlement and clearing, facilitates trading activities, and offers personal wealth management advice. It participates in money market transactions, covering placements, investments, and repurchasing agreements, as well as foreign exchange services. For convenient access, clients can utilize online, mobile, and telephone banking platforms. The company also extends into insurance products, project financing, financial advisory and consulting, the underwriting and issuance of securities, and asset custody services. As of December 31, 2021, the bank's physical network comprised 311 branches, specifically 17 primary branches, 292 sub-branches, a dedicated financial service center for small enterprises, and a headquarters business department. The institution was previously known as Harbin City Commercial Bank Co., Ltd. before officially changing its name to Harbin Bank Co., Ltd. in November 2007.

                    Harbin Bank Co., Ltd. Class H (6138) Earnings & Revenues

                    Similar Stocks
                    Company
                    Price & Change
                    Follow
                    Bank of Qingdao Co., Ltd. Class H
                    Bank of Jiujiang Co., Ltd. Class H
                    Bank of Chongqing Co., Ltd. Class H
                    Bank of Zhengzhou Co., Ltd. Class H
                    Bank of Guizhou Co. Ltd. Class H

                    Options Prices

                    Currently, No data available
                    ---
                    Popular Stocks