Want to see HK:9889 full AI Analyst Report?
Dongguan Rural Commercial Bank Co Ltd Class H (9889) AI Stock Analysis
Dongguan Rural Commercial Bank Co Ltd Class H
(HKEX:9889)
Score primarily reflects mixed financial performance driven by weak cash flows, partially offset by attractive valuation; bearish technical momentum weighs on the result.
Dongguan Rural Commercial Bank Co Ltd Class H (9889) vs. iShares MSCI Hong Kong ETF (EWH)
- Market Cap
- HKD 20.98B
- Dividend Yield
- 8.27%
- Average Volume (3M)
- 388.90K
- Price to Earnings (P/E)
- 2.7
- Beta (1Y)
- 0.33
- Revenue Growth
- 0.12%
- EPS Growth
- 2.46%
- Country
- Hong Kong
- Employees
- 7,802
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
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, an...
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 loa...
Dongguan Rural Commercial Bank Co Ltd Class H Financial Statement Overview
Summary
Mixed performance: strong recent revenue growth but historical volatility, stable equity base offset by rising debt, and weak cash flows with persistent negative figures.
Income Statement
65PositiveBalance Sheet
70PositiveCash Flow
40Negative| 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
Price Trends
Market Momentum
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 3.04 is below the 20-day moving average (MA) of 3.10, below the 50-day MA of 3.15, and below the 200-day MA of 3.24, indicating a bearish trend. The MACD of -0.02 indicates Negative momentum. The RSI at 45.48 is Neutral, neither overbought nor oversold. The STOCH value of 62.96 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
Overall Rating
HK:157868Neutral
HK:619962Neutral- HK:988960Neutral
HK:619659Neutral
HK:966849Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| HK:1578 | 68Neutral | HKD 11.87B | 2.71 | 5.18% | 7.99% | -3.82% | 0.34% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| HK:6199 | 62Neutral | HKD 13.71B | 2.93 | 7.75% | 7.35% | -1.55% | 10.31% |
| HK:9889 | 60Neutral | HKD 20.98B | 2.72 | 10.77% | 8.27% | 0.12% | 2.46% |
| HK:6196 | 59Neutral | HKD 15.71B | 7.86 | 4.11% | 2.50% | ― | ― |
| HK:9668 | 49Neutral | HKD 12.70B | 1.98 | 4.55% | ― | -5.40% | 31.36% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| HK:9889 | Dongguan Rural Commercial Bank Co Ltd Class H | 3.04 | -0.10 | -3.15% | |
| HK:6196 | Bank of Zhengzhou Co., Ltd. Class H | 0.88 | -0.40 | -31.10% | |
| HK:9668 | China Bohai Bank Co., Ltd. Class H | 0.71 | -0.31 | -29.90% | |
| HK:1578 | Bank of Tianjin Co., Ltd. Class H | 1.96 | -0.39 | -16.63% | |
| 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
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 and...
Dongguan Rural Commercial Bank Shareholders Back New Board Appointments at 2026 EGM
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 ban...
Dongguan Rural Commercial Bank Strengthens Board Independence and Restores HK Listing Compliance
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 boar...
Dongguan Rural Commercial Bank Clarifies Board Roles and Committee Structure
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 regulatory...
Dongguan Rural Commercial Bank Calls EGM to Approve New Board Appointments
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 exe...
Dongguan Rural Commercial Bank Gains Regulatory Approval for New Employee Director
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 th...
Dongguan Rural Commercial Bank Sets Out Board Structure and Governance Committees
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 that...
Dongguan Rural Commercial Bank Publishes Unaudited Interim Results for First Half of 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, it o...
Dongguan Rural Commercial Bank Sets H-Share Register Closure Ahead of 2026 Extraordinary Meeting
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 it...
Dongguan Rural Commercial Bank Sets Board Meeting to Approve 2026 Interim Results
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 supe...
Dongguan Rural Commercial Bank Reshuffles Top Leadership Amid Regulatory-Driven Transition
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 presid...
Dongguan Rural Commercial Bank Announces Senior Board and Management Resignations
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 roles o...
Dongguan Rural Commercial Bank Sets Out Board and Committee Structure
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 governan...
Dongguan Rural Commercial Bank Completes RMB1 Billion Undated Capital Bond Issuance
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, total...
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 21, 2026