Huishang Bank Corp Ltd

Huishang Bank's capital structure is characterized by a lack of detailed liquidity metrics, as liquidity risk could not be assessed due to the absence of balance-sheet inputs and no going-concern language in source documents. The company has no dilution risk in the near term, as shares outstanding for both basic and diluted scenarios are identical at 13,889,801,211.

Profitability and returns data are not available for direct comparison with industry_config preferred metrics or cohort medians. The absence of valuation snapshot data limits the ability to assess performance relative to peers in the banking industry.

The company's revenue concentration and geographic exposure are not disclosed in the available data. Without segment or geographic breakdowns, it is not possible to evaluate the diversification of its revenue streams or the extent of its international operations.

Growth trajectory is not quantifiable due to the lack of historical revenue data and forward-looking outlook metrics. Analysts have provided a mean price target of 4.05 CNY, with a median of 4.05 CNY, but no consensus on upward or downward movement.

Risk factors include the inability to assess liquidity risk, which is a critical concern for a financial institution. The dilution risk is currently low, and no adjustments have been applied to valuation metrics. However, the absence of balance-sheet inputs limits the ability to evaluate the company's financial health comprehensively.

Recent events and filings have not been disclosed in the available data. Analysts have issued one "Hold" recommendation, with no strong buy or buy ratings, indicating a neutral stance on the stock.

Net income grew at a 9.6% CAGR over four years, reaching CNY 16.5 billion in FY2026.

Free cash flow increased steadily to CNY 17.1 billion in FY2026, reflecting strong liquidity generation.

Total assets expanded at a 13.9% CAGR, indicating significant balance sheet growth over five years.

Equity grew at an 11.5% CAGR, supporting capital adequacy and potential for future lending expansion.

Dilution risk is assessed as low, suggesting stable shareholder value preservation in the near term.

Revenue growth slowed to just 1.1% year-over-year in FY2026, signaling stagnation in top-line performance.

Long-term debt surged to CNY 680.9 billion in FY2026, raising concerns about leverage and interest costs.

The stock trades at HKD 4.99, significantly above the highest analyst price target of HKD 5.40 is not true, wait. The high is 5.4. The price is 4.99. So it is below the high. Let me re-read. Price 4.99. High 5.4. Low 2.71. Mean 4.055. Upside -18.7%. So the bear case is the sell rating and the gap between price and mean target.

Revenue CAGR of only 1.9% over four years suggests limited organic growth potential compared to asset expansion.

Revenue ¥28.91B, +1,1% YoY; Net income +7,2% YoY.

• ▍Revenue ¥28.91B, +1,1% YoY
• ▍Net income +7,2% YoY
• ▍Free cash flow +4,5% YoY
• ▍Net margin 57.2%

Revenue ¥28.59B, −0,5% YoY; Net income +6,8% YoY.

• ▍Revenue ¥28.59B, −0,5% YoY
• ▍Net income +6,8% YoY
• ▍Free cash flow +6,4% YoY
• ▍Net margin 53.9%

Revenue ¥28.72B, +0,1% YoY; Net income +7,7% YoY.

• ▍Revenue ¥28.72B, +0,1% YoY
• ▍Net income +7,7% YoY
• ▍Free cash flow +9,1% YoY
• ▍Net margin 50.3%

Revenue ¥28.70B, +6,9% YoY; Net income +16,9% YoY.

• ▍Revenue ¥28.70B, +6,9% YoY
• ▍Net income +16,9% YoY
• ▍Free cash flow +22,2% YoY
• ▍Net margin 46.7%

Revenue ¥26.86B; Net margin 42.7%.

• ▍Revenue ¥26.86B
• ▍Net margin 42.7%