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Xiamen Bank Co., Ltd. (601187.SS)

CNY7.39 +0.01 (+0.14%)
CN SHH Financial Services Banks - Regional
Address Commercial Bank Building 361012
Xiamen, CN
CEO Xinhao Wu
IPO 2020-10-27
ISIN CNE100004HT2

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Description

Xiamen Bank Co., Ltd. delivers a comprehensive suite of financial products and services, catering to a diverse customer base that includes individual clients, corporate entities, and small and micro-sized businesses. Its personal banking offerings feature traditional savings accounts, a variety of personal loan options, investment and wealth management products, bank cards, and convenient everyday financial solutions. For its business clientele, the bank provides corporate deposits and loans, cash management, international trade services, investment banking expertise, and intermediary financial solutions, alongside specialized financing programs designed for emerging and smaller enterprises. Additionally, Xiamen Bank is active in financial market activities, covering precious metals, bonds, foreign exchange and derivatives, bill collection and clearing, inter-bank dealings, and franchise services. Customers can also access their banking needs through modern online and mobile platforms. The company, established in 1996, is headquartered in Xiamen, China, and extends its reach with branches located in Chongqing and Fujian Province.

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
CNY7.39 +0.01 (+0.14%)
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Volume Profile
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Liquidity & share structure
Average Volume
17M
Beta
0.68
Float Shares
1.50B
Free Float %
56.9%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+2.15% -1.79% -7.77% -1.52% -0.42% -3.00% +9.88% +28.29% -29.08% -24.34% -24.34%
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
7.39
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
0.13
Distress
Piotroski F-Score
5 / 9
Average
Composite Rating
B-
Overall Score
3 / 5
Medium
DCF Score
1 / 5
Low
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
    -80.4% Q1'26: +7.8% (vs Q1'25)
  • EPS growth
    +1.1% Q1'26: +18.2% (vs Q1'25)
  • FCF margin
    Q1'26: +17.7% (vs Q1'25)
  • EBIT margin
    Q1'26: +21.5% (vs Q1'25)
  • ROIC
    Q1'26: +1.6% (vs Q1'25)
  • Share dilution
    -9.5% Q1'26: -10.1% (vs Q1'25)
  • Debt / EBITDA
    Q1'26: 61.28× (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 (0.74) × ERP
WACC = 13% × Ke + 87% × Kd (4.1%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Current price: 7.39
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 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
12.27B
est: 5.48B (+124.0%)
13.40B
est: 5.93B (+126.2%)
13.77B
est: 5.61B (+145.4%)
14.13B
est: 5.76B (+145.3%)
2.77B
est: 5.86B (-52.7%)
6.60B
6.60B – 6.60B
+12.7% YoY
7.32B
7.32B – 7.32B
+10.9% YoY
7.98B
7.98B – 7.98B
+9.0% YoY
EBITDA
2.60B
est: 1.12B (+133.0%)
2.73B
est: 1.21B (+126.3%)
2.94B
est: 1.14B (+157.4%)
3.06B
est: 2.13B (+43.9%)
2.77B
est: 2.16B (+28.0%)
2.44B
2.44B – 2.44B
+12.7% YoY
2.70B
2.70B – 2.70B
+10.9% YoY
2.95B
2.95B – 2.95B
+9.0% YoY
EBIT
2.36B
est: 1.01B (+134.5%)
2.47B
est: 1.09B (+127.0%)
2.64B
est: 1.03B (+156.0%)
2.74B
est: 2.03B (+34.7%)
2.77B
est: 2.06B (+34.1%)
2.33B
2.33B – 2.33B
+12.7% YoY
2.58B
2.58B – 2.58B
+10.9% YoY
2.81B
2.81B – 2.81B
+9.0% YoY
Net Income
2.17B
est: 2.35B (-7.6%)
2.51B
est: 2.81B (-10.8%)
2.66B
est: 2.80B (-4.8%)
2.59B
est: 2.35B (+10.5%)
2.63B
est: 2.38B (+10.9%)
2.52B
2.52B – 2.52B
+6.1% YoY
2.72B
2.72B – 2.72B
+7.9% YoY
3.00B
3.00B – 3.00B
+10.2% YoY
SGA
533.34M
est: 250.86M (+112.6%)
660.18M
est: 271.52M (+143.1%)
711.92M
est: 257.04M (+177.0%)
627.69M
est: 217.62M (+188.4%)
est: 221.22M (-100.0%)
249.41M
249.41M – 249.41M
+12.7% YoY
276.47M
276.47M – 276.47M
+10.9% YoY
301.42M
301.42M – 301.42M
+9.0% YoY
EPS
0.82
est: 0.81 (+1.9%)
0.95
est: 0.96 (-1.4%)
0.96
est: 0.96 (+0.0%)
0.89
est: 0.89 (+0.0%)
0.90
est: 0.90 (+0.0%)
0.96
0.96 – 0.96
+6.1% YoY
1.03
1.03 – 1.03
+7.9% YoY
1.14
1.14 – 1.14
+10.2% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-29 B- 3/5 1/5 3/5 3/5 1/5 3/5 4/5
2026-05-28 B- 3/5 1/5 3/5 3/5 1/5 3/5 4/5
2026-05-27 B- 3/5 1/5 3/5 3/5 1/5 3/5 4/5
2026-05-26 B- 3/5 1/5 3/5 3/5 1/5 3/5 4/5
2026-05-25 B- 3/5 1/5 3/5 3/5 1/5 3/5 4/5
2026-05-22 B- 2/5 1/5 3/5 3/5 1/5 3/5 3/5
2026-05-21 B- 2/5 1/5 3/5 3/5 1/5 3/5 3/5
2026-05-20 B- 2/5 1/5 3/5 3/5 1/5 3/5 3/5
2026-05-19 B- 2/5 1/5 3/5 3/5 1/5 3/5 3/5
2026-05-18 B- 2/5 1/5 3/5 3/5 1/5 3/5 3/5
2026-05-15 B- 3/5 1/5 3/5 3/5 1/5 3/5 4/5
2026-05-14 B- 3/5 1/5 3/5 3/5 1/5 3/5 4/5
2026-05-13 B- 3/5 1/5 3/5 3/5 1/5 3/5 4/5
2026-05-12 B- 3/5 1/5 3/5 3/5 1/5 3/5 4/5
2026-05-11 B- 3/5 1/5 3/5 3/5 1/5 3/5 4/5
2026-05-08 B 3/5 1/5 3/5 3/5 1/5 4/5 4/5
2026-05-07 B 3/5 1/5 3/5 3/5 1/5 4/5 4/5
2026-05-06 B 3/5 1/5 3/5 3/5 1/5 4/5 4/5
2026-04-30 C- 1/5 1/5 1/5 1/5 1/5 4/5 1/5
2026-04-29 C- 1/5 1/5 1/5 1/5 1/5 4/5 1/5
2026-04-28 C- 1/5 1/5 1/5 1/5 1/5 4/5 1/5
2026-04-27 C- 1/5 1/5 1/5 1/5 1/5 4/5 1/5
2026-04-24 C- 1/5 1/5 1/5 1/5 1/5 4/5 1/5
2026-04-23 C- 1/5 1/5 1/5 1/5 1/5 4/5 1/5
2026-04-22 C- 1/5 1/5 1/5 1/5 1/5 4/5 1/5
2026-04-21 C- 1/5 1/5 1/5 1/5 1/5 4/5 1/5
2026-04-20 C- 1/5 1/5 1/5 1/5 1/5 4/5 1/5
2026-04-17 C- 1/5 1/5 1/5 1/5 1/5 4/5 1/5
2026-04-16 C- 1/5 1/5 1/5 1/5 1/5 4/5 1/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
130.24M
OE per share TTM
0.14
Owner's Yield
0.69%
Maintenance CapEx ratio
6.51%
Maint CapEx / Avg PPE
9.2%

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 22 ETFs in our universe

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
720.8K
Shares Outstanding
2.64B

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
Xinhao Wu President & Director 2M male
Tonghua Xie Vice President & Secretary 2M male
Yongbin Liu Vice President 2M male
Haibo Zhuang Vice President 2M male
Qiufa Zhang Vice President 2M
Chengman Zheng Vice President and Chief Information Officer 2M male
Song Chen Assistant President & Chief Risk Officer 954.0K 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

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Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits