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Weihai City Commercial Bank Co., Ltd. Class H (9677) AI Stock Analysis

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HK:9677

Weihai City Commercial Bank Co., Ltd. Class H

(HKEX:9677)

Select Model
Rating:65Neutral
Price Target:HKD 3.50â–²(13.64% Upside)
Action:downgraded
Date:11/08/26

Attractive valuation and robust revenue growth are the main positive drivers, while cash flow volatility and overbought technical conditions limit the score.

Positive Factors
Revenue and earnings growthThe bank has expanded both revenue and net income over the period, with particularly strong revenue growth from 2023 to 2025. This indicates improving business scale and earning capacity, providing a foundation for continued investment in customer, SME, and corporate banking activities.
Negative Factors
Sharp debt increaseThe substantial increase in total debt during 2025 raises leverage and funding risk, even though equity also increased. Greater reliance on debt can make results more sensitive to funding conditions and credit performance, while reducing flexibility if the operating environment weakens.

Weihai City Commercial Bank Co., Ltd. Class H (9677) vs. iShares MSCI Hong Kong ETF (EWH)

-40%-30%-20%-10%0%10%20%HK:9677+8.41%EWH+8.17%Dec '25Jan '26Feb '26Mar '26Apr '26May '26Jun '26Jul '26Aug '26Sep '26Oct '26Nov '26
Market Cap
HKD 21.16B
Dividend Yield
3.73%
Average Volume (3M)
1,200
Price to Earnings (P/E)
6.9
Beta (1Y)
0.05
Revenue Growth
6.25%
EPS Growth
16.32%
Country
Hong Kong
Employees
3,934
Sector
Financial
Sector Strength
68
Industry
Banks - Regional

Weihai City Commercial Bank Co., Ltd. Class H Business Overview & Revenue Model

Company Description

Weihai City Commercial Bank Co., Ltd., established in 1997 and headquartered in Weihai, People's Republic of China, operates across the country through its various subsidiaries, providing a comprehensive range of financial services. Its core offering...

Weihai City Commercial Bank Co., Ltd. Class H Financial Statement Overview

Summary

Strong revenue growth of 366% in 2025 and steady net income gains are offset by fluctuating profit margins, elevated debt levels, and volatile cash flows.

Income Statement

75Positive

Balance Sheet

60Neutral

Cash Flow

55Neutral
Financial statement breakdown
BreakdownTTMDec 2025Dec 2024Dec 2023Dec 2022Dec 2021
Income Statement
Total Revenue17.64B17.29B8.46B4.24B4.12B13.92B
Gross Profit5.07B4.42B8.46B7.89B4.12B3.80B
EBITDA3.68B3.11B2.85B2.54B2.45B2.43B
Net Income2.48B2.19B1.99B1.93B1.91B1.75B
Balance Sheet
Total Assets540.48B504.74B441.46B391.88B343.70B304.52B
Cash, Cash Equivalents and Short-Term Investments33.32B34.55B13.33B30.79B28.31B30.72B
Total Debt130.64B119.81B14.70B37.80B35.67B32.99B
Total Liabilities509.55B475.35B410.67B363.87B317.97B280.35B
Stockholders Equity28.68B27.31B28.90B26.24B24.15B23.26B
Cash Flow
Free Cash Flow12.63B9.45B-19.07B8.83B5.67B6.68B
Operating Cash Flow12.84B10.77B-17.92B11.02B6.05B6.81B
Investing Cash Flow-62.45B-18.68B-16.98B-16.17B-10.10B-15.60B
Financing Cash Flow54.57B1.37B36.70B618.96M886.13M1.51B

Weihai City Commercial Bank Co., Ltd. Class H Technical Analysis

Technical Analysis SentimentPositive
Last Price3.08

Price Trends

50DMA3.03Positive
100DMA2.90Positive
200DMA2.71Positive

Market Momentum

MACD0.02Positive
RSI96.99Negative
STOCH33.33Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HK:9677, the sentiment is Positive. The current price of 3.08 is above the 20-day moving average (MA) of 3.07, above the 50-day MA of 3.03, and above the 200-day MA of 2.71, indicating a bullish trend. The MACD of 0.02 indicates Positive momentum. The RSI at 96.99 is Negative, neither overbought nor oversold. The STOCH value of 33.33 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for HK:9677.

Weihai City Commercial Bank Co., Ltd. Class H Peers Comparison

Overall Rating

UnderperformOutperform
Sector (68)

Financial Indicators

HK:9677 against its peers
NameOverall RatingMarket CapP/E RatioROEDividend YieldRevenue GrowthEPS Growth
Sector *68Neutral$18.00B11.429.92%3.81%9.73%1.22%
HK:9677HK:967765NeutralHKD 21.16B6.898.86%3.73%6.25%16.32%
HK:1578HK:157864NeutralHKD 11.69B2.725.18%8.01%-3.82%0.34%
HK:6199HK:619962NeutralHKD 13.57B2.977.75%7.27%-1.55%10.31%
HK:6196HK:619658NeutralHKD 16.07B8.004.11%2.39%――
HK:9668HK:966856NeutralHKD 13.59B2.084.55%―-5.40%31.36%

* Financial Sector Average

Performance Comparison

-30%-20%-10%0%10%HK:9677HK:6196HK:9668HK:1578HK:6199Dec '25Jan '26Feb '26Mar '26Apr '26May '26Jun '26Jul '26Aug '26Sep '26Oct '26Nov '26
HK:9677 and its peers over the selected period
Show on chartTickerCompany NamePriceChange% Change
HK:9677Weihai City Commercial Bank Co., Ltd. Class H3.080.248.41%
HK:6196Bank of Zhengzhou Co., Ltd. Class H0.91-0.33-27.02%
HK:9668China Bohai Bank Co., Ltd. Class H0.74-0.28-27.45%
HK:1578Bank of Tianjin Co., Ltd. Class H1.98-0.37-15.57%
HK:6199Bank of Guizhou Co. Ltd. Class H0.980.000.00%

Weihai City Commercial Bank Co., Ltd. Class H Corporate Events

Weihai Bank Posts Solid Q3 2026 Capital Buffers Ahead of Audit

Oct 30, 2026

Weihai Bank Co., Ltd. reported that as of the end of September 2026, group assets reached RMB543.48 billion, liabilities were RMB505.99 billion and owners’ equity stood at RMB37.48 billion. Net profit for the first three quarters of 2026 was RMB2.16...

Weihai Bank Completes RMB500 Million Green Bond Issuance for Sustainable Projects

Sep 21, 2026

Weihai Bank Co., Ltd. has completed the issuance of its 2026 Green Financial Bonds (Tranche Two) in China’s national inter-bank bond market, raising RMB500 million at a coupon rate of 1.65% with a three-year term. The successful placement strengthens...

Weihai Bank Raises RMB500 Million in Debut 2026 Green Financial Bonds

Sep 14, 2026

Weihai Bank Co., Ltd., a mainland Chinese joint stock commercial bank with H-share listing in Hong Kong, operates as a regional financial institution offering banking and credit services. While active in Hong Kong’s capital market, it is not licensed...

Weihai Bank Releases Unaudited Interim Results for First Half of 2026

Aug 28, 2026

Weihai Bank Co., Ltd. has released its unaudited interim results for the six months ended June 30, 2026, covering the performance of the bank and its subsidiary. The announcement states that the interim report complies with Hong Kong listing requirem...

Weihai Bank Sets Board Meeting to Approve 2026 Interim Results

Aug 18, 2026

Weihai Bank Co., Ltd. has scheduled a board meeting for August 28, 2026 to review and approve the interim financial results for the six months ended June 30, 2026 for the bank and its subsidiary. The approval and subsequent publication of these inter...

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.

Date of analysis: Nov 05, 2026