Zhejiang Shaoxing RuiFeng Rural Commercial Bank Co.,Ltd (601528.SS)
Shaoxing, CN
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.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +1.49% | -0.83% | -8.99% | -12.82% | -13.77% | -16.49% | -15.45% | -5.74% | -47.05% | -47.05% | -47.05% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
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.
| Rating | 2024-11 | Change |
|---|---|---|
| Strong Buy | 0 | 0 |
| Buy | 0 | 0 |
| Hold | 0 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
-
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)
* 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.
| 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
|
| 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
Ownership Overview
Ownership breakdown not available.
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
ETF Ownership
| # | 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
No insider activity available.
Insider history not available.
No recent insider transactions.
Executive team
Executive compensation
Executive compensation not available.
No CEO compensation history available.
Proxy statements
No proxy statements available for this company yet.
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| 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 |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
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Community Opinion for 601528.SS
Short-term intention
Target Price Distribution
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