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Chongqing Rural Commercial Bank Co., Ltd. (601077.SS)

CNY6.69 +0.00 (+0.00%)
CN SHH Financial Services Banks - Regional
Address No. 36 Jinshamen Road 400023
Chongqing, CN
CEO Xiaojun Liu
Website cqrcb.com
IPO 2019-10-29
ISIN CNE100003NZ9

Explore sections of this company profile

Also trades on Hong Kong Stock Exchange · 3618.HK (HKD) Other OTC · CRCBY (USD) Shanghai Stock Exchange · 601077.SS (CNY)
Description

Chongqing Rural Commercial Bank Co., Ltd. (CRCB), along with its associated entities, delivers a comprehensive array of banking and financial solutions throughout the People's Republic of China. Its operations are structured into three main divisions: Corporate Banking, Personal Banking, and Financial Market Operations. The Corporate Banking segment extends financial products and services, including deposit accounts, corporate lending, trade finance facilities, financial leasing, and various corporate advisory offerings, to businesses, government bodies, and financial institutions. Meanwhile, the Personal Banking segment caters to individual clients, supplying deposit products, personal credit, payment cards, private wealth management services, and other personal intermediary services. The Financial Market Operations segment is involved in money market transactions, such as repurchase agreements, and makes investments in debt instruments both for its own portfolio and on behalf of customers. Beyond traditional services, CRCB also offers digital banking solutions through mobile, internet, and telephone platforms. By the close of 2021, the bank boasted an extensive network of 1,760 operational locations. This included its central office and business department, 7 full branches, 35 first-tier sub-branches, 134 second-tier sub-branches, 2 community sub-branches, and 1,580 local branch offices. Additionally, it provided 145 24-hour self-service banking centers. The institution, which traces its origins to 1951, was initially known as Chongqing Rural Credit Union before adopting its current name, Chongqing Rural Commercial Bank Co., Ltd., in 2008. Its headquarters are located in Chongqing, China.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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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
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Price Chart
Averages
Trend
Price
Levels
Draw
CNY6.69 +0.00 (+0.00%)
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Volume Profile
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Liquidity & share structure
Average Volume
46M
Beta
0.13
Float Shares
7.49B
Free Float %
65.9%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+0.30% -2.64% -8.79% +2.31% +2.15% +2.79% -8.41% +67.68% +56.60% -28.98% -28.98%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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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
6.69
DCF (Levered) 11.06 +65.4%

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
0.09
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
3 / 5
Medium
P/Book Score
4 / 5
High
Operational MOAT
  • Revenue growth
    +28.5%
  • EPS growth
    +8.1% Q1'26: +6.1% (vs Q1'25)
  • FCF margin
    Q1'26: +16.8% (vs Q1'25)
  • EBIT margin
    Q1'26: +36.4% (vs Q1'25)
  • ROIC
    Q1'26: +2.9% (vs Q1'25)
  • Share dilution
    +0.0% Q1'26: +0.0% (vs Q1'25)
  • Debt / EBITDA
    Q1'26: 25.65× (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 (0.15) × ERP
WACC = 14% × Ke + 86% × Kd (4.1%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Current price: 6.69
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 2015
actual
Dec 2016
actual
Dec 2017
actual
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
5 Rev. Ana.
6 EPS Ana.
Dec 2027
8 Rev. Ana.
6 EPS Ana.
Dec 2028
6 Rev. Ana.
7 EPS Ana.
Revenue
33.67B
est: 21.87B (+53.9%)
32.54B
est: 22.27B (+46.1%)
38.04B
est: 23.74B (+60.3%)
45.82B
est: 26.09B (+75.6%)
47.20B
est: 27.02B (+74.7%)
48.86B
est: 27.94B (+74.9%)
56.53B
est: 30.74B (+83.9%)
54.73B
est: 30.49B (+79.5%)
53.21B
est: 28.90B (+84.1%)
22.27B
est: 27.59B (-19.3%)
28.62B
est: 28.75B (-0.4%)
30.46B
30.27B – 30.84B
+5.9% YoY
32.66B
32.27B – 33.26B
+7.2% YoY
35.18B
34.86B – 35.73B
+7.7% YoY
EBITDA
10.25B
est: 3.97B (+157.9%)
11.34B
est: 4.04B (+180.4%)
12.77B
est: 4.31B (+196.1%)
12.52B
est: 4.74B (+164.3%)
13.01B
est: 4.91B (+165.3%)
10.91B
est: 5.07B (+115.0%)
12.05B
est: 5.58B (+115.9%)
12.38B
est: 5.54B (+123.6%)
13.05B
est: 5.25B (+148.7%)
est: 6.42B (-100.0%)
13.71B
est: 6.69B (+104.9%)
7.09B
7.05B – 7.18B
+5.9% YoY
7.60B
7.51B – 7.74B
+7.2% YoY
8.19B
8.11B – 8.32B
+7.7% YoY
EBIT
9.59B
est: 3.52B (+172.2%)
10.64B
est: 3.59B (+196.8%)
11.96B
est: 3.82B (+212.9%)
11.77B
est: 4.20B (+180.2%)
12.23B
est: 4.35B (+181.2%)
10.06B
est: 4.50B (+123.7%)
11.20B
est: 4.95B (+126.3%)
11.56B
est: 4.91B (+135.5%)
12.20B
est: 4.65B (+162.1%)
-877.31M
est: 5.95B (-114.7%)
13.71B
est: 6.20B (+121.1%)
6.57B
6.53B – 6.65B
+5.9% YoY
7.04B
6.96B – 7.17B
+7.2% YoY
7.59B
7.52B – 7.71B
+7.7% YoY
Net Income
7.22B
est: 8.89B (-18.8%)
7.94B
est: 9.45B (-15.9%)
8.94B
est: 10.52B (-15.0%)
9.06B
est: 10.33B (-12.4%)
9.76B
est: 11.18B (-12.7%)
8.40B
est: 9.08B (-7.4%)
9.56B
est: 9.50B (+0.6%)
10.28B
est: 10.20B (+0.7%)
10.90B
est: 11.16B (-2.3%)
11.51B
est: 11.25B (+2.4%)
12.42B
est: 11.97B (+3.8%)
12.97B
12.82B – 13.24B
+8.4% YoY
14.13B
13.96B – 14.42B
+8.9% YoY
15.32B
15.14B – 15.63B
+8.4% YoY
SGA
1.42B
est: 1.22B (+16.3%)
1.40B
est: 1.24B (+12.9%)
1.33B
est: 1.32B (+0.6%)
1.39B
est: 1.45B (-4.6%)
1.44B
est: 1.50B (-4.4%)
1.51B
est: 1.56B (-3.0%)
2.00B
est: 1.71B (+17.1%)
2.59B
est: 1.70B (+52.7%)
2.74B
est: 1.61B (+70.3%)
2.52B
est: 1.37B (+84.6%)
est: 1.42B (-100.0%)
1.51B
1.50B – 1.53B
+5.9% YoY
1.62B
1.60B – 1.65B
+7.2% YoY
1.74B
1.73B – 1.77B
+7.7% YoY
EPS
0.78
est: 0.78 (-0.4%)
0.85
est: 0.83 (+2.2%)
0.94
est: 0.93 (+1.5%)
0.91
est: 0.91 (+0.0%)
0.95
est: 0.98 (-3.5%)
0.74
est: 0.80 (-7.4%)
0.84
est: 0.84 (+0.4%)
0.89
est: 0.90 (-1.0%)
0.94
est: 0.98 (-4.3%)
0.99
est: 0.99 (0.0%)
1.07
est: 1.05 (+1.5%)
1.14
1.13 – 1.17
+8.4% YoY
1.24
1.23 – 1.27
+8.9% YoY
1.35
1.33 – 1.38
+8.4% 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 3/5 4/5
2026-05-28 B+ 3/5 4/5 3/5 3/5 1/5 3/5 4/5
2026-05-27 B+ 3/5 4/5 3/5 3/5 1/5 3/5 4/5
2026-05-26 B+ 3/5 4/5 3/5 3/5 1/5 3/5 4/5
2026-05-25 B+ 3/5 4/5 3/5 3/5 1/5 3/5 4/5
2026-05-22 B+ 3/5 4/5 3/5 3/5 1/5 3/5 4/5
2026-05-21 B+ 3/5 4/5 3/5 3/5 1/5 3/5 4/5
2026-05-20 B+ 3/5 4/5 3/5 3/5 1/5 3/5 4/5
2026-05-19 B+ 3/5 4/5 3/5 3/5 1/5 3/5 4/5
2026-05-18 B+ 3/5 4/5 3/5 3/5 1/5 3/5 4/5
2026-05-15 B+ 3/5 4/5 3/5 3/5 1/5 4/5 4/5
2026-05-14 B+ 3/5 4/5 3/5 3/5 1/5 4/5 4/5
2026-05-13 B+ 3/5 4/5 3/5 3/5 1/5 4/5 4/5
2026-05-12 B+ 3/5 4/5 3/5 3/5 1/5 4/5 4/5
2026-05-11 B+ 3/5 4/5 3/5 3/5 1/5 4/5 4/5
2026-05-08 B+ 3/5 4/5 3/5 3/5 1/5 4/5 4/5
2026-05-07 B+ 3/5 4/5 3/5 3/5 1/5 4/5 4/5
2026-05-06 B+ 3/5 4/5 3/5 3/5 1/5 4/5 4/5
2026-04-30 B+ 3/5 4/5 3/5 3/5 1/5 4/5 4/5
2026-04-29 B+ 3/5 4/5 3/5 3/5 1/5 3/5 4/5
2026-04-28 B+ 3/5 5/5 3/5 3/5 1/5 3/5 4/5
2026-04-27 B+ 3/5 5/5 3/5 3/5 1/5 3/5 4/5
2026-04-24 B+ 3/5 5/5 3/5 3/5 1/5 3/5 4/5
2026-04-23 A- 4/5 5/5 3/5 4/5 1/5 3/5 4/5
2026-04-22 A- 4/5 5/5 3/5 4/5 1/5 3/5 4/5
2026-04-21 A- 4/5 5/5 3/5 4/5 1/5 3/5 4/5
2026-04-20 A- 4/5 5/5 3/5 4/5 1/5 3/5 4/5
2026-04-17 A- 4/5 5/5 3/5 4/5 1/5 3/5 4/5
2026-04-16 A- 4/5 5/5 3/5 4/5 1/5 3/5 4/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
-91.75B
OE per share TTM
-8.07
Owner's Yield
-121.67%
Maintenance CapEx ratio
14.67%
Maint CapEx / Avg PPE
9.6%

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 116 ETFs in our universe
# ETF Weight Est. AUM exposure TER
1 HSBC MSCI China A UCITS ETF HMCT.L 0.17% 230.8K 0.30%
2 JPMorgan ETFs (Ireland) ICAV - China A Research Enhanced Index Equity Active UCITS ETF JREC.L 0.16% 35.9K 0.40%
3 Invesco FTSE Emerging Markets High Dividend Low Volatility UCITS ETF EMHD.L 0.16% 440.4K 0.49%
4 Xtrackers Harvest CSI 300 China A-Shares ETF ASHR 0.14% 1.86M 0.65%
5 Xtrackers Harvest CSI300 UCITS ETF 1D ASHR.L 0.13% 407.4K 0.65%
6 Amundi MSCI China A UCITS ETF Acc CNAA.L 0.12% 171.9K 0.35%
7 iShares MSCI China A ETF CNYA 0.12% 270.4K 0.60%
8 iShares MSCI China A UCITS ETF CNYA.L 0.11% 3.40M 0.40%
9 iShares MSCI China A UCITS ETF CNYE.MI 0.11% 112.1K 0.45%
10 Xtrackers MSCI China A UCITS ETF 1C XX2D.L 0.11% 147.2K 0.35%

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
942.7K
Shares Outstanding
11.36B

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
Jun Sui President & Executive Director 608.4K male
Guohua Zhou Vice President 514.2K male
Bin Tan VP & Secretary to the Board 514.2K male
Jin Zhang Vice President 514.2K male
Li Tang Vice President 514.2K female
Xiaojun Liu Executive Chairman 420.7K male
Huan Li General Manager of Finance Department
Yi Liu Head of Accounting Department
Wing Han Leung FCCA FCIS FICS Company Secretary female
Jiang Li Chief Risk Officer, GM of Asset and Liability Management Dept & Risk Management Dept
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

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Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits