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Qilu Bank Co., Ltd. (601665.SS)

CNY6.19 +0.09 (+1.48%)
CN SHH Financial Services Banks - Regional
Address No. 176, Shunhe Street 250001
Jinan, CN
CEO Zugang Zheng
IPO 2021-06-18
ISIN CNE100005154

Explore sections of this company profile

Description

Qilu Bank Co., Ltd., established in 1996 and headquartered in Jinan, People's Republic of China, delivers a comprehensive array of banking and financial services to both individual and institutional clients. For its personal customers, the bank provides various savings account options—including demand, standard savings, and education-specific deposits—alongside a wide range of loan products such as personal, housing mortgage, consumer, home improvement, parking, and salary loans. Additionally, it offers wealth management solutions, credit cards, and insurance products. On the corporate side, the bank facilitates deposits, diverse financing (including corporate and supply chain solutions), cash management, and investment banking services. Its international services encompass foreign exchange management (funds, accounts, deposits), guarantees, trade financing, remittance, international settlement, and commercial acceptance bill bonding/guarantee services, all supported by internet banking capabilities. Furthermore, Qilu Bank engages in other financial activities like bill discounting, interbank lending and investments, bond trading (both investment and spot), and foreign exchange and derivatives transactions. The institution operated under the name Jinan City Commercial Bank Co., Ltd. before officially changing to QILU BANK CO., LTD. on June 6, 2009.

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
CNY6.19 +0.09 (+1.48%)
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Volume Profile
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Liquidity & share structure
Average Volume
51M
Beta
0.38
Float Shares
2.74B
Free Float %
54.3%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+1.67% -0.98% -4.85% +6.67% +2.70% +5.92% -8.43% +49.02% -21.24% -21.24% -21.24%
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
6.19
DCF (Unlevered) 3.69 -40.4%
DCF (Levered) 49.05 +692.4%

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
-0.55
Distress
Piotroski F-Score
7 / 9
Strong
Composite Rating
B+
Overall Score
3 / 5
Medium
DCF Score
4 / 5
High
ROE Score
4 / 5
High
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
    -0.3% Q1'26: +6.0% (vs Q1'25)
  • EPS growth
    +25.0% Q1'26: +9.5% (vs Q1'25)
  • FCF margin
    Q1'26: +143.1% (vs Q1'25)
  • EBIT margin
    Q1'26: +25.8% (vs Q1'25)
  • ROIC
    Q1'26: +7.9% (vs Q1'25)
  • Share dilution
    -8.3% Q1'26: +4.1% (vs Q1'25)
  • Debt / EBITDA
    Q1'26: 18.50× (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 (0.42) × ERP
WACC = 22% × Ke + 78% × Kd (9.1%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 3.69 Current price: 6.19
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
2 Rev. Ana.
2 EPS Ana.
Dec 2027
2 Rev. Ana.
2 EPS Ana.
Dec 2028
1 Rev. Ana.
1 EPS Ana.
Revenue
18.05B
est: 9.37B (+92.6%)
20.35B
est: 11.13B (+82.8%)
22.54B
est: 8.17B (+175.8%)
24.29B
est: 12.49B (+94.4%)
24.22B
est: 13.11B (+84.7%)
14.18B
14.10B – 14.26B
+8.1% YoY
15.28B
15.07B – 15.48B
+7.7% YoY
16.51B
16.23B – 16.79B
+8.1% YoY
EBITDA
3.62B
est: 2.75B (+31.4%)
4.19B
est: 3.27B (+28.3%)
4.77B
est: 2.43B (+95.8%)
5.52B
est: 3.72B (+48.2%)
5.95B
est: 3.91B (+52.4%)
4.22B
4.20B – 4.25B
+8.1% YoY
4.55B
4.49B – 4.61B
+7.7% YoY
4.92B
4.83B – 5.00B
+8.1% YoY
EBIT
3.34B
est: 2.56B (+30.4%)
3.87B
est: 3.04B (+27.2%)
4.41B
est: 2.34B (+88.8%)
5.16B
est: 3.57B (+44.3%)
5.62B
est: 3.75B (+49.7%)
4.06B
4.03B – 4.08B
+8.1% YoY
4.37B
4.31B – 4.43B
+7.7% YoY
4.72B
4.64B – 4.80B
+8.1% YoY
Net Income
3.04B
est: 3.80B (-20.2%)
3.59B
est: 4.88B (-26.5%)
4.23B
est: 5.24B (-19.2%)
4.99B
est: 5.74B (-13.1%)
5.71B
est: 5.21B (+9.6%)
5.79B
5.65B – 5.93B
+11.1% YoY
6.55B
6.41B – 6.69B
+13.0% YoY
7.34B
7.24B – 7.43B
+12.0% YoY
SGA
1.15B
est: 1.25B (-8.1%)
1.26B
est: 1.49B (-15.1%)
1.68B
est: 510.50M (+229.5%)
1.58B
est: 780.26M (+102.2%)
1.13B
est: 818.99M (+38.4%)
885.47M
880.49M – 890.44M
+8.1% YoY
953.93M
941.22M – 966.64M
+7.7% YoY
1.03B
1.01B – 1.05B
+8.1% YoY
EPS
0.66
est: 0.61 (+8.2%)
0.78
est: 0.78 (-0.4%)
0.87
est: 0.92 (-5.2%)
0.97
est: 1.00 (-3.4%)
1.00
est: 0.91 (+9.6%)
1.01
0.99 – 1.04
+11.1% YoY
1.15
1.12 – 1.17
+13.0% YoY
1.28
1.27 – 1.30
+12.0% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-29 B+ 3/5 4/5 4/5 3/5 1/5 3/5 4/5
2026-05-28 B+ 3/5 4/5 4/5 3/5 1/5 3/5 4/5
2026-05-27 B+ 3/5 4/5 4/5 3/5 1/5 3/5 4/5
2026-05-26 B+ 3/5 4/5 4/5 3/5 1/5 3/5 4/5
2026-05-25 B+ 3/5 4/5 4/5 3/5 1/5 3/5 3/5
2026-05-22 B+ 3/5 4/5 4/5 3/5 1/5 3/5 3/5
2026-05-21 B+ 3/5 4/5 4/5 3/5 1/5 3/5 3/5
2026-05-20 B+ 3/5 4/5 4/5 3/5 1/5 3/5 3/5
2026-05-19 B+ 3/5 4/5 4/5 3/5 1/5 3/5 3/5
2026-05-18 B+ 3/5 4/5 4/5 3/5 1/5 3/5 3/5
2026-05-15 A- 4/5 4/5 4/5 3/5 1/5 4/5 4/5
2026-05-14 A- 4/5 4/5 4/5 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 A- 4/5 4/5 4/5 3/5 1/5 4/5 4/5
2026-05-07 A- 4/5 4/5 4/5 3/5 1/5 4/5 4/5
2026-05-06 A- 4/5 4/5 4/5 3/5 1/5 4/5 4/5
2026-04-30 A- 4/5 4/5 4/5 3/5 1/5 4/5 4/5
2026-04-29 A- 4/5 4/5 4/5 3/5 1/5 4/5 4/5
2026-04-28 A- 4/5 4/5 4/5 3/5 1/5 4/5 4/5
2026-04-27 A- 4/5 4/5 4/5 3/5 1/5 4/5 4/5
2026-04-24 B+ 3/5 4/5 4/5 1/5 1/5 4/5 4/5
2026-04-23 B+ 3/5 5/5 4/5 1/5 1/5 4/5 4/5
2026-04-22 B+ 3/5 5/5 4/5 1/5 1/5 4/5 4/5
2026-04-21 B+ 3/5 5/5 4/5 1/5 1/5 4/5 4/5
2026-04-20 B+ 3/5 5/5 4/5 1/5 1/5 4/5 4/5
2026-04-17 B+ 3/5 5/5 4/5 1/5 1/5 4/5 4/5
2026-04-16 B+ 3/5 5/5 4/5 1/5 1/5 4/5 4/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
20.97B
OE per share TTM
3.17
Owner's Yield
50.72%
Maintenance CapEx ratio
0.04%
Maint CapEx / Avg PPE
8.9%

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 18 ETFs in our universe
# ETF Weight Est. AUM exposure TER
1 WisdomTree Emerging Markets SmallCap Dividend Fund DGS 0.35% 6.32M 0.58%
2 Xtrackers Harvest CSI 500 China A-Shares Small Cap ETF ASHS 0.24% 88.0K 0.65%
3 Vanguard FTSE All-World ex-US Small-Cap ETF VSS 0.01% 1.33M 0.06%
4 Amundi Prime Emerging Markets UCITS ETF DR (C) PRAM.L 0.00% 78.5K 0.10%
5 Vanguard FTSE Emerging Markets Shares ETF VGE.AX 0.00% 45.4K 0.48%
6 Vanguard FTSE Emerging Markets All Cap Index ETF VEE.TO 0.00% 102.5K 0.26%
7 Vanguard FTSE Emerging Markets ETF VWO 0.00% 5.06M 0.06%
8 Goldman Sachs MarketBeta Emerging Markets Equity ETF GSEE 0.00% 3.2K 0.45%
9 Vanguard Total International Stock ETF VXUS 0.00% 5.60M 0.05%
10 Vanguard ESG International Stock ETF VSGX 0.00% 50.1K 0.10%

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
989.6K
Shares Outstanding
5.04B

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
Gang Wu Assistant Governor male
Hai Xiao Liu Assistant Governor male
Hua Zhang Vice Chairman & President male
Jinliang Hu Secretary to the Board, Vice President & Executive Director male
Wenzhe Tao Vice President male
Xuchun Wu Chief Information Officer male
Yongsheng Gao Chief Financial Officer male
Zhenshui Liu Assistant Governor male
Zugang Zheng Executive Chairman 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