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Dongguan Rural Commercial Bank Co Ltd Class H
(9889)
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Rating:52Neutral
Price Target:
HK$3.00
â–¼(-7.69% Downside)
Action:Reiterated
Date:10/21/26
The score is held back primarily by weak financial quality (especially unstable and recently negative operating/free cash flow, plus higher 2025 leverage) and bearish technical momentum (below key moving averages with negative MACD). This is partly offset by very cheap valuation and a high dividend yield.
Positive Factors
Growing Balance Sheet
The substantial expansion in assets, alongside steadily rising equity, indicates that the bank has continued to build lending and financial intermediation capacity. This broader balance-sheet base can support future interest income and reinforce its regional banking position, provided growth remains prudently funded.
Negative Factors
Sharp Increase in Leverage
The sharp increase in reported debt materially raises the bank’s financial risk and reduces flexibility if funding conditions or asset quality deteriorate. Greater leverage can increase financing costs and make future balance-sheet expansion more dependent on continued access to stable funding.
Read all positive and negative factors
Positive Factors
Negative Factors
Growing Balance Sheet
The substantial expansion in assets, alongside steadily rising equity, indicates that the bank has continued to build lending and financial intermediation capacity. This broader balance-sheet base can support future interest income and reinforce its regional banking position, provided growth remains prudently funded.
Read all positive factors
Dongguan Rural Commercial Bank Co Ltd Class H (9889) vs. iShares MSCI Hong Kong ETF (EWH)
Market Cap
HK$20.98B
Dividend Yield8.27%
Average Volume (3M)507.11K
Price to Earnings (P/E)2.7
Beta (1Y)0.33
Revenue Growth0.12%
EPS Growth2.46%
CountryHK
Employees7,802
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)N/A
Shares Outstanding1,148,091,000
10 Day Avg. Volume692,416
30 Day Avg. Volume507,108
Financial Highlights & Ratios
PEG Ratio-0.32
Price to Book (P/B)0.36
Price to Sales (P/S)0.98
P/FCF Ratio-0.99
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)N/A
Revenue Forecast (FY)N/A
Dongguan Rural Commercial Bank Co Ltd Class H Business Overview & Revenue Model
Company Description
Dongguan Rural Commercial Bank Co., Ltd. operates primarily within the Dongguan region, offering a broad spectrum of commercial banking solutions. Its operations are structured into distinct segments: Corporate Banking, Personal Banking, Treasury,...
How the Company Makes Money
The company primarily makes money through (1) net interest income and (2) non-interest income. Net interest income is generated by taking deposits and other funding sources and redeploying those funds into interest-earning assets—most importantly ...
Dongguan Rural Commercial Bank Co Ltd Class H Financial Statement Overview
Summary
Income Statement
67
Positive
Balance Sheet
54
Neutral
Cash Flow
28
Negative
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 18.33B | 22.35B | 8.83B | 9.94B | 11.00B | 10.55B |
| Gross Profit | 13.25B | 11.62B | 8.83B | 9.94B | 13.23B | 12.94B |
| EBITDA | 4.22B | 4.04B | 4.53B | 5.59B | 6.71B | 6.38B |
| Net Income | 6.56B | 3.75B | 4.62B | 5.16B | 5.93B | 5.59B |
Balance Sheet | ||||||
| Total Assets | 798.10B | 796.53B | 745.90B | 708.85B | 657.69B | 593.36B |
| Cash, Cash Equivalents and Short-Term Investments | 37.62B | 37.34B | 53.07B | 21.97B | 54.00B | 47.73B |
| Total Debt | 170.85B | 171.37B | 84.04B | 12.12B | 64.51B | 68.32B |
| Total Liabilities | 733.76B | 733.48B | 683.44B | 651.37B | 603.87B | 543.38B |
| Stockholders Equity | 61.53B | 60.32B | 59.55B | 54.65B | 51.13B | 47.38B |
Cash Flow | ||||||
| Free Cash Flow | -14.95B | -22.02B | -47.22B | -12.29B | 28.94B | -16.40B |
| Operating Cash Flow | -14.56B | -21.66B | -46.97B | -12.09B | 29.28B | -16.02B |
| Investing Cash Flow | -23.88B | -41.76B | 22.22M | -22.80B | -20.03B | -8.69B |
| Financing Cash Flow | 38.09B | 61.61B | 40.57B | 31.59B | 37.64B | 20.66B |
Dongguan Rural Commercial Bank Co Ltd Class H Technical Analysis
Negative
3.25
Price Trends
3.16
Negative
3.26
Negative
3.24
Negative
Market Momentum
-0.02
Negative
41.31
Neutral
72.73
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HK:9889, the sentiment is Negative. The current price of 3.25 is above the 20-day moving average (MA) of 3.10, above the 50-day MA of 3.16, and above the 200-day MA of 3.24, indicating a bearish trend. The MACD of -0.02 indicates Negative momentum. The RSI at 41.31 is Neutral, neither overbought nor oversold. The STOCH value of 72.73 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for HK:9889.
Dongguan Rural Commercial Bank Co Ltd Class H Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
68 Neutral | HK$11.87B | 2.72 | 5.18% | 7.99% | -3.82% | 0.34% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
62 Neutral | HK$13.71B | 2.93 | 7.75% | 7.35% | -1.55% | 10.31% | |
61 Neutral | HK$15.71B | 7.86 | 4.11% | 2.55% | ― | ― | |
56 Neutral | HK$12.70B | 1.98 | 4.55% | 8.25% | -5.40% | 31.36% | |
52 Neutral | HK$20.98B | 2.72 | 10.77% | 8.27% | 0.12% | 2.46% |
* Financial Sector Average
HK:9889
Dongguan Rural Commercial Bank Co Ltd Class H
3.05
-0.11
-3.43%
HK:6196
Bank of Zhengzhou Co., Ltd. Class H
0.88
-0.41
-31.64%
HK:9668
China Bohai Bank Co., Ltd. Class H
0.72
-0.31
-29.90%
HK:1578
Bank of Tianjin Co., Ltd. Class H
1.96
-0.44
-18.24%
HK:6199
Bank of Guizhou Co. Ltd. Class H
0.94
-0.05
-5.43%
Dongguan Rural Commercial Bank Co Ltd Class H Corporate Events
Dongguan Rural Commercial Bank Gains Regulatory Approval for New Board Secretary
Sep 29, 2026
Dongguan Rural Commercial Bank has confirmed that the Dongguan Financial Regulatory Sub‑Bureau has approved the qualification of Ms. Zhu Ying to serve as secretary to the Board of Directors. Her appointment, originally announced in May 2026 ...
Dongguan Rural Commercial Bank Shareholders Back New Board Appointments at 2026 EGM
Sep 23, 2026
Dongguan Rural Commercial Bank Co Ltd, a PRC-incorporated joint stock commercial bank serving the Dongguan region with both domestic and H share structures, operates outside the Hong Kong Banking Ordinance framework and is not licensed to conduct ...
Dongguan Rural Commercial Bank Strengthens Board Independence and Restores HK Listing Compliance
Sep 22, 2026
Dongguan Rural Commercial Bank has secured regulatory approval for the qualifications of four new independent non-executive directors, Mr. Chan Kwok Fung, Dennis, Mr. Li Yanwen, Ms. Zhang Shuangmei and Ms. Wang Zhifang. Their appointments to the b...
Dongguan Rural Commercial Bank Clarifies Board Roles and Committee Structure
Sep 22, 2026
Dongguan Rural Commercial Bank Co., Ltd., a PRC-incorporated rural commercial bank listed in Hong Kong, serves the Dongguan region with a focus on local and agricultural finance but operates outside the Hong Kong Monetary Authority’s regulat...
Dongguan Rural Commercial Bank Calls EGM to Approve New Board Appointments
Sep 7, 2026
Dongguan Rural Commercial Bank Co., Ltd. has called its second extraordinary general meeting of 2026 for September 23 in Dongguan, inviting eligible H shareholders to attend and vote. The meeting will consider the appointment of Ms. Xie Dan as an ...
Dongguan Rural Commercial Bank Gains Regulatory Approval for New Employee Director
Sep 2, 2026
Dongguan Rural Commercial Bank announced that local regulators have approved the qualification of Mr. Chen Sheng as a director, formalizing his appointment as an employee director effective 1 September 2026 and confirming his simultaneous roles on...
Dongguan Rural Commercial Bank Sets Out Board Structure and Governance Committees
Sep 2, 2026
Dongguan Rural Commercial Bank Co., Ltd. has disclosed the composition of its board of directors, detailing roles for executive, non-executive, employee, and independent non-executive members, led by Chairman Lu Guofeng. The bank also reiterates t...
Dongguan Rural Commercial Bank Publishes Unaudited Interim Results for First Half of 2026
Aug 28, 2026
Dongguan Rural Commercial Bank Co., Ltd., a mainland Chinese joint stock commercial bank based in Dongguan, Guangdong, serves primarily regional and rural customers and is listed in Hong Kong under stock code 9889. Despite its Hong Kong listing, i...
Dongguan Rural Commercial Bank Sets H-Share Register Closure Ahead of 2026 Extraordinary Meeting
Aug 19, 2026
Dongguan Rural Commercial Bank has announced arrangements for its 2026 second extraordinary general meeting, set for 23 September 2026, and clarified that only H-shareholders on the register as of that date may attend and vote. The bank will close...
Dongguan Rural Commercial Bank Sets Board Meeting to Approve 2026 Interim Results
Aug 18, 2026
Dongguan Rural Commercial Bank Co., Ltd., a PRC‑incorporated rural commercial bank based in Dongguan, Guangdong, focuses on providing banking services to local customers and operates under mainland regulation rather than Hong Kong monetary s...
Dongguan Rural Commercial Bank Reshuffles Top Leadership Amid Regulatory-Driven Transition
Aug 17, 2026
Dongguan Rural Commercial Bank announced that president Fu Qiang resigned effective 17 August 2026 to comply with regulatory requirements on tenure for key banking roles. Executive director and vice president Qian Hua has been appointed acting pre...
Dongguan Rural Commercial Bank Announces Senior Board and Management Resignations
Aug 14, 2026
Dongguan Rural Commercial Bank Co., Ltd. has announced the resignation of executive director and president Fu Qiang in order to comply with regulatory requirements on tenure for key bank positions and internal organizational arrangements. His role...
Dongguan Rural Commercial Bank Sets Out Board and Committee Structure
Aug 14, 2026
Dongguan Rural Commercial Bank Co., Ltd. has disclosed the latest composition of its board of directors, which includes executive, non-executive and independent non-executive members led by chairman Lu Guofeng. The announcement clarifies the gover...
Dongguan Rural Commercial Bank Completes RMB1 Billion Undated Capital Bond Issuance
Aug 11, 2026
Dongguan Rural Commercial Bank Co., Ltd. has completed the issuance of its 2026 undated capital bonds in China’s national inter-bank bond market, following approval at its 2023 annual general meeting and by mainland regulators. The bonds, to...
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.