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Zhejiang Shaoxing RuiFeng Rural Commercial Bank Co.,Ltd (601528.SS)

CNY4.80 +0.12 (+2.56%)
CN SHH Financial Services Banks - Regional
Address 1363, Diyang Road 312030
Shaoxing, CN
CEO Gangliang Chen
Website borf.cn
IPO 2021-06-25
ISIN CNE1000050Z2

Explore sections of this company profile

Description

Zhejiang Shaoxing RuiFeng Rural Commercial Bank Co.,Ltd is a commercial bank operating in China, offering a comprehensive suite of financial products and services. For individual clients, the bank provides diverse wealth management options, including various financial instruments, investments in precious metals and funds, insurance policies, and asset management solutions. Its deposit offerings encompass a range of account types such as savings, demand, time, structured, and notice deposits, in addition to certificates of deposit. The loan portfolio caters to diverse needs, featuring personal, business, consumer, mortgage, operating capital, and quick "e-flash" loans. Customers can also access a variety of payment cards, including standard credit and debit cards, premium gold and platinum cards, and exclusive VIP privilege cards. Additionally, the bank facilitates convenient digital banking through its mobile and online platforms. Beyond individual services, the bank extends its offerings to corporate clients through financial management solutions and comprehensive settlement services. These include payment collection and commitment, interbank transfers, electronic exchanges, bank drafts, local entrusted collections, transfer checks, and promissory notes. Furthermore, it provides an extensive array of international business and foreign exchange services. These encompass cross-border RMB transactions, various import and export financing options (such as documentary collections, letters of credit, factoring, and forfaiting), foreign exchange loans and deposits, guarantees, remittances, and spot foreign exchange settlement and sale. The bank maintains a substantial presence with a network of 26 branches and 79 branch offices, totaling 105 operational outlets. Established in 1987, its headquarters are situated in Shaoxing, 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
CNY4.80 +0.12 (+2.56%)
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Volume Profile
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Liquidity & share structure
Average Volume
14M
Beta
1.01
Float Shares
1.07B
Free Float %
54.7%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+1.49% -0.83% -8.99% -12.82% -13.77% -16.49% -15.45% -5.74% -47.05% -47.05% -47.05%
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
4.80
DCF (Levered) 1.67 -65.2%

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
-0.62
Distress
Piotroski F-Score
7 / 9
Strong
Composite Rating
B+
Overall Score
3 / 5
Medium
DCF Score
3 / 5
Medium
ROE Score
3 / 5
Medium
ROA Score
3 / 5
Medium
D/E Score
2 / 5
Medium
P/E Score
4 / 5
High
P/Book Score
4 / 5
High
Operational MOAT
  • Revenue growth
    -4.8% Q1'26: -9.5% (vs Q1'25)
  • EPS growth
    +2.0% Q1'26: +0.0% (vs Q1'25)
  • FCF margin
    Q1'26: +297.8% (vs Q1'25)
  • EBIT margin
    Q1'26: +21.4% (vs Q1'25)
  • ROIC
    Q1'26: -62.6% (vs Q1'25)
  • Share dilution
    +0.1% Q1'26: -0.5% (vs Q1'25)
  • Debt / EBITDA
    Q1'26: 5.62× (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 (1.00) × ERP
WACC = 20% × Ke + 80% × Kd (9.9%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Current price: 4.80
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
3 Rev. Ana.
3 EPS Ana.
Dec 2027
3 Rev. Ana.
3 EPS Ana.
Dec 2028
3 Rev. Ana.
3 EPS Ana.
Revenue
6.18B
est: 3.32B (+85.9%)
6.64B
est: 3.53B (+88.4%)
7.60B
est: 2.84B (+168.0%)
8.39B
est: 4.19B (+100.0%)
7.99B
est: 4.50B (+77.6%)
4.49B
4.47B – 4.53B
-0.1% YoY
4.72B
4.62B – 4.92B
+5.2% YoY
5.00B
4.98B – 5.02B
+5.9% YoY
EBITDA
1.46B
est: 816.80M (+79.1%)
1.74B
est: 866.19M (+100.5%)
1.95B
est: 716.74M (+172.4%)
2.05B
est: 1.06B (+93.7%)
1.99B
est: 1.14B (+74.9%)
1.14B
1.13B – 1.15B
-0.1% YoY
1.19B
1.17B – 1.24B
+5.2% YoY
1.26B
1.26B – 1.27B
+5.9% YoY
EBIT
1.37B
est: 760.99M (+80.0%)
1.62B
est: 807.01M (+100.5%)
1.79B
est: 655.69M (+173.1%)
1.89B
est: 969.70M (+95.3%)
1.83B
est: 1.04B (+76.1%)
1.04B
1.03B – 1.05B
-0.1% YoY
1.09B
1.07B – 1.14B
+5.2% YoY
1.16B
1.15B – 1.16B
+5.9% YoY
Net Income
1.27B
est: 1.27B (+0.3%)
1.53B
est: 754.04M (+102.6%)
1.73B
est: 1.84B (-6.1%)
1.92B
est: 1.97B (-2.4%)
1.97B
est: 2.05B (-4.0%)
2.02B
2.00B – 2.08B
-1.4% YoY
2.12B
2.07B – 2.23B
+5.0% YoY
2.25B
2.15B – 2.42B
+6.4% YoY
SGA
228.56M
est: 148.68M (+53.7%)
253.85M
est: 157.67M (+61.0%)
311.76M
est: 159.50M (+95.5%)
492.43M
est: 235.88M (+108.8%)
848.71M
est: 252.97M (+235.5%)
252.63M
251.17M – 255.04M
-0.1% YoY
265.66M
259.86M – 276.81M
+5.2% YoY
281.30M
280.14M – 282.45M
+5.9% YoY
EPS
0.68
est: 0.65 (+5.2%)
0.78
est: 0.39 (+100.8%)
0.88
est: 0.94 (-6.1%)
0.98
est: 0.99 (-0.6%)
1.00
est: 1.04 (-3.4%)
1.04
1.02 – 1.06
+0.3% YoY
1.09
1.06 – 1.14
+4.6% YoY
1.14
1.09 – 1.23
+5.0% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-29 B+ 3/5 3/5 3/5 3/5 2/5 4/5 4/5
2026-05-28 B+ 3/5 3/5 3/5 3/5 2/5 4/5 4/5
2026-05-27 B+ 3/5 3/5 3/5 3/5 2/5 4/5 4/5
2026-05-26 B+ 3/5 3/5 3/5 3/5 2/5 4/5 4/5
2026-05-25 B+ 3/5 3/5 3/5 3/5 2/5 4/5 4/5
2026-05-22 B+ 3/5 3/5 3/5 3/5 2/5 4/5 4/5
2026-05-21 B+ 3/5 3/5 3/5 3/5 2/5 4/5 4/5
2026-05-20 B+ 3/5 3/5 3/5 3/5 2/5 4/5 4/5
2026-05-19 B+ 3/5 3/5 3/5 3/5 2/5 4/5 4/5
2026-05-18 B+ 3/5 3/5 3/5 3/5 2/5 4/5 4/5
2026-05-15 B+ 3/5 3/5 3/5 3/5 2/5 4/5 4/5
2026-05-14 B+ 3/5 3/5 3/5 3/5 2/5 4/5 4/5
2026-05-13 B+ 3/5 3/5 3/5 3/5 2/5 4/5 4/5
2026-05-12 B+ 3/5 3/5 3/5 3/5 2/5 4/5 4/5
2026-05-11 B+ 3/5 3/5 3/5 3/5 2/5 4/5 4/5
2026-05-08 B+ 3/5 3/5 3/5 3/5 2/5 4/5 4/5
2026-05-07 B+ 3/5 3/5 3/5 3/5 2/5 4/5 4/5
2026-05-06 B+ 3/5 3/5 3/5 3/5 2/5 4/5 4/5
2026-04-30 B+ 3/5 3/5 3/5 3/5 1/5 4/5 4/5
2026-04-29 B+ 3/5 3/5 3/5 3/5 1/5 4/5 4/5
2026-04-28 B+ 3/5 3/5 3/5 3/5 1/5 4/5 4/5
2026-04-27 B+ 3/5 3/5 3/5 4/5 1/5 4/5 4/5
2026-04-24 B+ 3/5 3/5 3/5 4/5 1/5 4/5 4/5
2026-04-23 B+ 3/5 3/5 3/5 4/5 1/5 4/5 4/5
2026-04-22 B+ 3/5 3/5 3/5 4/5 1/5 4/5 4/5
2026-04-21 B+ 3/5 3/5 3/5 4/5 1/5 4/5 4/5
2026-04-20 B+ 3/5 3/5 3/5 4/5 1/5 4/5 4/5
2026-04-17 A- 4/5 3/5 4/5 4/5 1/5 4/5 4/5
2026-04-16 A- 4/5 3/5 4/5 4/5 1/5 4/5 4/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
19.14B
OE per share TTM
9.82
Owner's Yield
209.54%
Maintenance CapEx ratio
11.66%
Maint CapEx / Avg PPE
20.2%

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 19 ETFs in our universe
# ETF Weight Est. AUM exposure TER
1 Dimensional - Emerging Markets Value ETF DFEV 0.00% 79.2K 0.46%
2 Vanguard FTSE All-World ex-US Small-Cap ETF VSS 0.00% 347.7K 0.06%
3 Dimensional - Emerging Markets Core Equity 2 ETF DFEM 0.00% 206.3K 0.39%
4 Vanguard FTSE Emerging Markets Shares ETF VGE.AX 0.00% 10.9K 0.48%
5 Vanguard FTSE Emerging Markets All Cap Index ETF VEE.TO 0.00% 24.5K 0.26%
6 Vanguard FTSE Emerging Markets ETF VWO 0.00% 1.21M 0.06%
7 Dimensional Emerging Markets Sustainability Core 1 ETF DFSE 0.00% 4.4K 0.44%
8 Dimensional - Emerging Core Equity Market ETF DFAE 0.00% 37.8K 0.29%
9 Vanguard ESG International Stock ETF VSGX 0.00% 20.0K 0.10%
10 Vanguard Total World Stock ETF VT 0.00% 255.0K 0.06%

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
837.6K
Shares Outstanding
1.96B

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
Gangliang Chen President & Director male
Guang Min Yu Employee Supervisor male
Guojiang Zhang Board Secretary
Guoli Yan Vice President & Director male
Jianfang Hu Chief Accounting Officer
Xiaojun Qin Vice President & Director female
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