Bank of Shanghai Co Ltd

Bank of Shanghai maintains a capital structure characterized by high leverage typical of the banking industry, with total liabilities of 3,052,551,281,000 CNY against total equity of 256,200,451,000 CNY. The debt-to-equity ratio stands at 3.2, reflecting the asset-liability management model inherent to commercial banking. Liquidity risk is assessed as medium, with a key flag noting that net cash is negative after subtracting total debt. Operating cash flow is reported as -67,761,537,000 CNY, while free cash flow is positive at 24,335,537,000 CNY, driven by low capital expenditure of -932,007,000 CNY.

Profitability metrics indicate a return on equity of 9.46% and a return on assets of 0.73%. The company trades at a price-to-earnings ratio of 5.22 and a price-to-book ratio of 0.49, suggesting the market values the equity at a significant discount to its book value. Revenue for the latest normalized period is 33,344,162,000 CNY, with net income of 24,193,414,000 CNY, demonstrating a high net margin consistent with banking operations.

Segment and geographic revenue mix data is not provided in the available source documents, preventing a detailed analysis of revenue concentration or regional exposure. The company operates as a single commercial banking entity within the Shanghai region, but specific breakdowns of retail versus corporate banking revenue are absent from the input data.

Growth trajectory analysis is limited due to the absence of historical periods data in the input. Without five-year annual or eight-quarter quarterly revenue and net income trends, it is not possible to assess the momentum or direction of earnings growth relative to prior periods.

Risk assessment highlights medium liquidity risk and low dilution risk. The primary financial flag is the negative net cash position after debt subtraction, which requires ongoing monitoring of funding stability. Dilution risk is low, with basic and diluted shares outstanding identical at 14,209,038,737, indicating no current options or convertible securities impacting share count.

Recent observations include analyst estimates with a mean price target of 11.26 CNY and a median of 11.57 CNY, implying upside potential from the current market price of 8.91 CNY. The mean recommendation is 2.00, with two strong buys, three buys, and two holds, indicating a generally positive sentiment among analysts. No specific filing, news, or transcript observations are provided in the input data.

Revenue ¥8.75B, +5,1% YoY; Net income +0,7% YoY.

• ▍Revenue ¥8.75B, +5,1% YoY
• ▍Net income +0,7% YoY
• ▍Net margin 72.4%

Revenue ¥8.22B, +9,7% YoY; Net income +2,4% YoY.

• ▍Revenue ¥8.22B, +9,7% YoY
• ▍Net income +2,4% YoY
• ▍Net margin 74.4%

Revenue ¥8.67B, −1,6% YoY; Net income +4,9% YoY.

• ▍Revenue ¥8.67B, −1,6% YoY
• ▍Net income +4,9% YoY
• ▍Net margin 55.9%

Revenue ¥8.13B, −1,1% YoY; Net income +1,8% YoY.

• ▍Revenue ¥8.13B, −1,1% YoY
• ▍Net income +1,8% YoY
• ▍Net margin 85.4%

Revenue ¥8.32B; Net margin 75.6%.

• ▍Revenue ¥8.32B
• ▍Net margin 75.6%

Revenue ¥7.50B; Net margin 79.7%.

• ▍Revenue ¥7.50B
• ▍Net margin 79.7%

Revenue ¥8.81B; Net margin 52.4%.

• ▍Revenue ¥8.81B
• ▍Net margin 52.4%

Revenue ¥8.22B; Net margin 82.9%.

• ▍Revenue ¥8.22B
• ▍Net margin 82.9%

Revenue ¥33.34B, +2,6% YoY; Net income +2,7% YoY.

• ▍Revenue ¥33.34B, +2,6% YoY
• ▍Net income +2,7% YoY
• ▍Free cash flow +3,7% YoY
• ▍Net margin 72.6%

Revenue ¥32.49B, −7,6% YoY; Net income +4,5% YoY.

• ▍Revenue ¥32.49B, −7,6% YoY
• ▍Net income +4,5% YoY
• ▍Free cash flow +47,9% YoY
• ▍Net margin 72.5%

Revenue ¥35.16B, −7,5% YoY; Net income +1,2% YoY.

• ▍Revenue ¥35.16B, −7,5% YoY
• ▍Net income +1,2% YoY
• ▍Free cash flow +2,6% YoY
• ▍Net margin 64.1%

Revenue ¥38.00B, −6,0% YoY; Net income +1,1% YoY.

• ▍Revenue ¥38.00B, −6,0% YoY
• ▍Net income +1,1% YoY
• ▍Free cash flow +4,8% YoY
• ▍Net margin 58.6%