Subscribe

Bank of Xi'an Co.,Ltd. (600928.SS)

CNY3.60 +0.08 (+2.27%)
CN SHH Financial Services Banks - Regional
Address No. 60, Gaoxin Road 710075
Xi'an, CN
CEO Qin Chen
Website xacbank.com
IPO 2019-03-11
ISIN CNE100003JB8

Explore sections of this company profile

Description

Bank of Xi'an Co.,Ltd., alongside its affiliated entities, delivers a comprehensive range of financial services across China, spanning corporate, retail, and capital market operations. Its business is structured into three main divisions. The Corporate Finance segment caters to businesses, government bodies, and financial institutions by offering services such as loans and credit, trade finance, deposit accounts, agency services, wealth management, financial advisory, and transaction-related support like remittances and guarantees. For individual customers, the Personal Financial Business segment provides personal loans, savings accounts, wealth management solutions, money transfer facilities, and bank card services. Lastly, the Treasury Business segment actively participates in the interbank market, conducting interbank lending and repurchase transactions, investing in and trading debt instruments, and managing trust and bespoke asset investments. The bank maintains a network of 179 branches. Founded in 1997 as Xi'an City Commercial Bank Co., Ltd., the institution rebranded to Bank of Xi'an Co.,Ltd. in January 2010 and is headquartered in Xi'an, China.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
Loading outlook…
Loading forecast...
Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
Loading risk profile…
Price Chart
Averages
Trend
Price
Levels
Draw
CNY3.60 +0.08 (+2.27%)
Loading historical data…
Volume Profile
Loading…
Liquidity & share structure
Average Volume
24M
Beta
0.30
Float Shares
2.58B
Free Float %
58.0%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+2.03% -1.40% -4.88% -6.40% -8.36% -5.14% -7.14% -7.63% -29.38% -47.92% -47.92%
Rolling Volatility
Loading…
Drawdown
Loading…
Relative Strength
Loading…
Monthly Returns Heatmap
From To
Loading…
Annual Monthly Returns
Loading…
Daily Returns Distribution
vs.
Loading histogram data…

Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
3.60
DCF (Levered) 4.59 +27.6%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Ratings Trend (MoM)
Rating 2024-11 Change
Strong Buy 0 0
Buy 0 0
Hold 0 0
Sell 0 0
Strong Sell 0 0
Quality scores
Altman Z-Score
-0.53
Distress
Piotroski F-Score
5 / 9
Average
Composite Rating
B+
Overall Score
3 / 5
Medium
DCF Score
4 / 5
High
ROE Score
3 / 5
Medium
ROA Score
3 / 5
Medium
D/E Score
1 / 5
Low
P/E Score
4 / 5
High
P/Book Score
4 / 5
High
Operational MOAT
  • ✓
    Revenue growth
    +6.9% Q1'26: +15.0% (vs Q1'25)
  • ✓
    EPS growth
    +3.5% Q1'26: +6.3% (vs Q1'25)
  • —
    FCF margin
    — Q1'26: +330.9% (vs Q1'25)
  • —
    EBIT margin
    — Q1'26: +14.9% (vs Q1'25)
  • —
    ROIC
    — Q1'26: +5.0% (vs Q1'25)
  • ✗
    Share dilution
    +0.1% Q1'26: -0.1% (vs Q1'25)
  • —
    Debt / EBITDA
    — Q1'26: 32.70× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
▶ WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.34) × ERP
WACC = 14% × Ke + 86% × Kd (9.7%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
—
Current price: 3.60
Enterprise Value: — Equity Value: — Terminal Value: — TV as % of EV: —

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Dec 2018
actual 		Dec 2019
actual 		Dec 2020
actual 		Dec 2021
actual 		Dec 2022
actual 		Dec 2023
actual 		Dec 2024
actual 		Dec 2025
actual 		Dec 2026
1 Rev. Ana.
1 EPS Ana. 		Dec 2027
1 Rev. Ana.
1 EPS Ana. 		Dec 2028
1 Rev. Ana.
1 EPS Ana.
Revenue
11.11B
est: 5.69B (+95.3%)
12.75B
est: 4.71B (+170.9%)
14.09B
est: 7.14B (+97.2%)
15.11B
est: 7.40B (+104.3%)
14.93B
est: 7.03B (+112.5%)
17.01B
est: 7.57B (+124.6%)
18.10B
est: 8.20B (+120.8%)
19.34B
est: 8.95B (+116.3%)
11.93B
11.93B – 11.93B
+33.4% YoY
13.14B
13.14B – 13.14B
+10.1% YoY
14.34B
14.34B – 14.34B
+9.1% YoY
EBITDA
3.02B
est: 872.38M (+246.1%)
3.29B
est: 721.77M (+356.4%)
3.17B
est: 1.10B (+189.2%)
3.28B
est: 1.13B (+188.9%)
2.69B
est: 1.08B (+150.0%)
2.61B
est: 1.16B (+125.2%)
2.62B
est: 1.37B (+91.3%)
2.68B
est: 1.49B (+79.5%)
1.99B
1.99B – 1.99B
+33.4% YoY
2.19B
2.19B – 2.19B
+10.1% YoY
2.39B
2.39B – 2.39B
+9.1% YoY
EBIT
2.90B
est: 762.88M (+280.7%)
3.19B
est: 631.17M (+405.5%)
3.07B
est: 958.16M (+220.9%)
3.06B
est: 992.22M (+208.4%)
2.48B
est: 942.46M (+162.6%)
2.40B
est: 1.02B (+135.9%)
2.41B
est: 1.26B (+90.8%)
2.48B
est: 1.38B (+80.1%)
1.84B
1.84B – 1.84B
+33.4% YoY
2.03B
2.03B – 2.03B
+10.1% YoY
2.21B
2.21B – 2.21B
+9.1% YoY
Net Income
2.36B
est: 2.29B (+3.0%)
2.67B
est: 2.60B (+2.8%)
2.76B
est: 2.74B (+0.8%)
2.80B
est: 2.74B (+2.5%)
2.42B
est: 2.56B (-5.2%)
2.46B
est: 2.60B (-5.4%)
2.56B
est: 2.87B (-10.9%)
2.65B
est: 3.18B (-16.7%)
2.91B
2.91B – 2.91B
-8.3% YoY
3.14B
3.14B – 3.14B
+7.6% YoY
3.40B
3.40B – 3.40B
+8.5% YoY
SGA
548.57M
est: 722.87M (-24.1%)
727.49M
est: 598.07M (+21.6%)
832.69M
est: 907.91M (-8.3%)
715.08M
est: 940.19M (-23.9%)
774.74M
est: 893.04M (-13.2%)
818.62M
est: 962.18M (-14.9%)
643.53M
est: 356.69M (+80.4%)
669.37M
est: 389.09M (+72.0%)
519.02M
519.02M – 519.02M
+33.4% YoY
571.48M
571.48M – 571.48M
+10.1% YoY
623.55M
623.55M – 623.55M
+9.1% YoY
EPS
0.59
est: 0.52 (+13.5%)
0.61
est: 0.59 (+3.4%)
0.62
est: 0.62 (+0.0%)
0.63
est: 0.62 (+1.6%)
0.55
est: 0.58 (-5.9%)
0.55
est: 0.59 (-6.8%)
0.58
est: 0.65 (-10.8%)
0.60
est: 0.72 (-16.7%)
0.66
0.66 – 0.66
-8.3% YoY
0.71
0.71 – 0.71
+7.6% YoY
0.77
0.77 – 0.77
+8.5% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-29 B+ 3/5 4/5 3/5 3/5 1/5 4/5 4/5
2026-05-28 B+ 3/5 4/5 3/5 3/5 1/5 4/5 4/5
2026-05-27 B+ 3/5 4/5 3/5 3/5 1/5 4/5 4/5
2026-05-26 B+ 3/5 4/5 3/5 3/5 1/5 4/5 4/5
2026-05-25 B+ 3/5 4/5 3/5 3/5 1/5 4/5 4/5
2026-05-22 B+ 3/5 4/5 3/5 3/5 1/5 4/5 4/5
2026-05-21 B+ 3/5 4/5 3/5 3/5 1/5 4/5 4/5
2026-05-20 B+ 3/5 4/5 3/5 3/5 1/5 4/5 4/5
2026-05-19 B+ 3/5 4/5 3/5 3/5 1/5 4/5 4/5
2026-05-18 B+ 3/5 4/5 3/5 3/5 1/5 4/5 4/5
2026-05-15 B+ 3/5 4/5 2/5 3/5 1/5 4/5 4/5
2026-05-14 B+ 3/5 4/5 2/5 3/5 1/5 4/5 4/5
2026-05-13 B+ 3/5 4/5 2/5 3/5 1/5 4/5 4/5
2026-05-12 B+ 3/5 4/5 2/5 3/5 1/5 4/5 4/5
2026-05-11 B+ 3/5 4/5 2/5 3/5 1/5 4/5 4/5
2026-05-08 B+ 3/5 4/5 2/5 3/5 1/5 4/5 4/5
2026-05-07 B+ 3/5 4/5 2/5 3/5 1/5 4/5 4/5
2026-05-06 B+ 3/5 4/5 2/5 3/5 1/5 4/5 4/5
2026-04-30 B+ 3/5 4/5 2/5 3/5 1/5 4/5 4/5
2026-04-29 B+ 3/5 4/5 3/5 3/5 1/5 4/5 4/5
2026-04-28 B+ 3/5 4/5 3/5 3/5 1/5 4/5 4/5
2026-04-27 B+ 3/5 4/5 3/5 3/5 1/5 4/5 4/5
2026-04-24 B+ 3/5 4/5 3/5 3/5 1/5 4/5 4/5
2026-04-23 A- 4/5 5/5 3/5 4/5 1/5 4/5 4/5
2026-04-22 A- 4/5 5/5 3/5 4/5 1/5 4/5 4/5
2026-04-21 A- 4/5 5/5 3/5 4/5 1/5 4/5 4/5
2026-04-20 A- 4/5 5/5 3/5 4/5 1/5 4/5 4/5
2026-04-17 A- 4/5 5/5 3/5 4/5 1/5 4/5 4/5
2026-04-16 A- 4/5 5/5 3/5 4/5 1/5 4/5 4/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
-6.09B
OE per share TTM
-1.38
Owner's Yield
-39.00%
Maintenance CapEx ratio
2.70%
Maint CapEx / Avg PPE
3.9%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
—
Total invested
—
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock Held by 23 ETFs in our universe
# ETF Weight Est. AUM exposure TER
1 Schwab Emerging Markets Equity ETF SCHE 0.00% 375.8K 0.06%
2 Dimensional - Emerging Markets Value ETF DFEV 0.00% 56.9K 0.46%
3 Dimensional Emerging Markets Sustainability Core 1 ETF DFSE 0.00% 9.7K 0.44%
4 Vanguard FTSE Emerging Markets UCITS ETF (USD) Accumulating VFEA.L 0.00% 77.9K 0.17%
5 Vanguard FTSE Emerging Markets UCITS ETF (USD) Distributing VDEM.L 0.00% 77.9K 0.17%
6 Vanguard FTSE Emerging Markets All Cap Index ETF VEE.TO 0.00% 41.7K 0.26%
7 Vanguard FTSE Emerging Markets Shares ETF VGE.AX 0.00% 18.5K 0.48%
8 Dimensional - Emerging Core Equity Market ETF DFAE 0.00% 126.1K 0.29%
9 Vanguard FTSE Emerging Markets ETF VWO 0.00% 2.06M 0.06%
10 Dimensional - Emerging Markets Core Equity 2 ETF DFEM 0.00% 94.3K 0.39%

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
724.3K
Shares Outstanding
4.44B

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Chen Kai Director of Compliance — male
Chengzhe Zhang Vice President — male
Hai Yan Wei Secretary to the Board — female
Hui Guan Vice President — male
Junmei Chen Director of the Finance Department — —
Qiang Liu Vice President — male
Qin Chen Chief Information Officer — male
Xin Wang Assistant to the President — female
Yong He Vice President — male
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

Share your view on this stock and instantly see how the community has voted over the last 6 months.

These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.

Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits

Related companies

Largest companies in Banks - Regional