Qingdao Rural Commercial Bank Corp

Qingdao Rural Commercial Bank Corp has a liquidity position that is characterized by a debt-to-equity ratio of 2.85, indicating a relatively high leverage position. The bank's liquidity is assessed as medium, with a key flag noting that net cash is negative after subtracting total debt. The bank's return on equity is 2.35%, and its return on assets is 0.20%, both of which are below the typical performance metrics for banks.

The bank's profitability is modest, with a net income of 933.86 million CNY on revenue of 1.82 billion CNY. The return on equity and return on assets are below the industry median for banks, suggesting that the bank is not generating returns as efficiently as its peers. The bank's operating cash flow of 8.84 billion CNY supports its operations, but the capital expenditure of -35.23 million CNY indicates a reduction in capital spending.

The bank's revenue is not segmented by geographic regions or business lines in the available data, so it is not possible to determine the geographic or segment concentration of its revenue. However, the bank operates primarily in the rural and regional markets of China, which may expose it to localized economic conditions and regulatory changes.

The bank's growth trajectory is not clearly defined in the available data, as there are no specific numeric deltas provided for the current or next fiscal year. The bank's revenue of 1.82 billion CNY and net income of 933.86 million CNY suggest a stable but not rapidly growing business.

The bank's risk assessment indicates a medium liquidity risk and a low dilution risk. The key flag of negative net cash after subtracting total debt suggests potential liquidity constraints. The bank's dilution potential is low, and no adjustments have been applied to its valuation metrics.

There are no recent events or filings provided in the available data to indicate any significant changes in the bank's operations or financial position. The bank's ESG score of 49.35 and a C+ grade suggest that it has moderate environmental, social, and governance performance.

Qingdao Rural Commercial Bank Corp (002958.SZ) has undergone a formal classification update, with its economic sector now explicitly identified as Financials and its primary activity designated as Banks. This structural clarification serves as the most material change in the current analysis, providing a definitive framework for understanding the institution's operational scope within the broader market. Alongside this taxonomic update, the bank’s risk profile has been initialized with specific assessments. Dilution risk is currently rated as low, indicating a stable share structure with minimal immediate threat of equity erosion. This assessment suggests that existing shareholders face limited pressure from new share issuances in the near term. Conversely, liquidity risk has been classified as medium. This rating highlights a moderate level of uncertainty regarding the bank's ability to meet short-term obligations without incurring unacceptable losses, a critical metric for financial institutions managing deposit and loan flows. These updates collectively establish a baseline for monitoring Qingdao Rural Commercial Bank’s financial health. By defining its sectoral identity and quantifying key risks such as dilution and liquidity, the analysis provides a clearer context for evaluating the bank's stability and operational focus within the financial services industry.

Net income surged 9.5% year-over-year to CNY 3.13 billion, demonstrating strong recent profitability momentum.

Free cash flow jumped 272.8% to CNY 813 million, indicating a significant improvement in cash generation.

Total assets grew 4.0% annually over four years, reflecting steady balance sheet expansion.

Equity expanded 7.2% annually over four years, supporting capital base growth.

Revenue declined 2.2% annually over four years, signaling persistent top-line contraction.

Debt-to-equity ratio of 2.85 is significantly higher than the 0.29 cohort median.

ROA of 0.2% indicates very low asset efficiency relative to total assets.

Medium liquidity risk flags potential challenges in meeting short-term obligations.

Revenue ¥7.36B, −6,2% YoY; Net income +10,8% YoY.

• ▍Revenue ¥7.36B, −6,2% YoY
• ▍Net income +10,8% YoY
• ▍Free cash flow +55,5% YoY
• ▍Net margin 34.9%

Revenue ¥7.84B, −2,6% YoY; Net income −24,4% YoY.

• ▍Revenue ¥7.84B, −2,6% YoY
• ▍Net income −24,4% YoY
• ▍Free cash flow −24,9% YoY
• ▍Net margin 29.6%

Revenue ¥8.05B; Net margin 38.1%.

• ▍Revenue ¥8.05B
• ▍Net margin 38.1%