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Dongguan Rural Commercial Bank Co., Ltd. (9889.HK)

HKD3.40 +0.01 (+0.30%)
CN HKSE Financial Services Banks - Regional
Address No. 2, Hongfu East Road 523123
Dongguan, CN
CEO Guofeng Lu
IPO 2021-09-29
ISIN CNE100004QH8

Explore sections of this company profile

Description

Dongguan Rural Commercial Bank Co., Ltd. operates primarily within the Dongguan region, offering a broad spectrum of commercial banking solutions. Its operations are structured into distinct segments: Corporate Banking, Personal Banking, Treasury, and Other services. The Corporate Banking division furnishes businesses with corporate loans, deposit solutions, trade finance, and a variety of other intermediary services. For individual clients, the Personal Banking segment provides personal loans, deposit accounts, and bank card services, alongside various other personal intermediary financial activities. The Treasury segment engages in money market and repurchase transactions, debt instrument investments, wealth management, and precious metal dealings. As of December 31, 2021, the bank's extensive network encompassed 504 branches and sub-branches, supplemented by 1,072 automatic teller machines, 365 self-service enquiry terminals, 53 self-service card issuing terminals, and 319 intelligent service terminals. Established in 1952, the company maintains its headquarters in Dongguan, People's Republic of 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
HKD3.40 +0.01 (+0.30%)
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Volume Profile
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Liquidity & share structure
Average Volume
347.7K
Beta
0.12
Float Shares
813.54M
Free Float %
11.8%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+1.52% -3.74% -1.76% -2.90% -3.18% -5.37% -5.90% -50.88% -59.39% -59.39% -59.39%
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
3.40
DCF (Unlevered) 55.82 +1,541.9%

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 2025-02 Change
Strong Buy 0 0
Buy 0 0
Hold 0 0
Sell 0 0
Strong Sell 0 0
Quality scores
Altman Z-Score
-0.08
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
4 / 5
High
P/Book Score
4 / 5
High
Operational MOAT
  • Revenue growth
    +153.1% Q4'25: +379.6% (vs Q3'24)
  • EPS growth
    -17.9% Q4'25: -15.0% (vs Q3'24)
  • FCF margin
    Q4'25: -58.0% (vs Q3'24)
  • EBIT margin
    Q4'25: +8.2% (vs Q3'24)
  • ROIC
    Q4'25: +1.9% (vs Q3'24)
  • Share dilution
    -0.2% Q4'25: +0.0% (vs Q3'24)
  • Debt / EBITDA
    Q4'25: 31.01× (vs Q3'24)
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 (0.00) × ERP
WACC = 10% × Ke + 90% × Kd (6.3%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 55.82 Current price: 3.40
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 2022
actual
Dec 2023
actual
Dec 2024
actual
Dec 2025
actual
Dec 2026
1 Rev. Ana.
1 EPS Ana.
Revenue
11.00B
est: 16.55B (-33.6%)
9.94B
est: 15.16B (-34.5%)
8.83B
est: 11.27B (-21.7%)
22.35B
est: 11.67B (+91.6%)
10.48B
10.48B – 10.48B
-10.1% YoY
EBITDA
6.71B
est: 7.59B (-11.6%)
5.59B
est: 6.95B (-19.5%)
4.53B
est: 5.57B (-18.6%)
4.03B
est: 5.77B (-30.2%)
5.18B
5.18B – 5.18B
-10.1% YoY
EBIT
6.28B
est: 6.91B (-9.0%)
5.17B
est: 6.33B (-18.3%)
4.10B
est: 5.15B (-20.3%)
3.59B
est: 5.33B (-32.6%)
4.79B
4.79B – 4.79B
-10.1% YoY
Net Income
5.93B
est: 7.29B (-18.6%)
5.16B
est: 6.68B (-22.8%)
4.62B
est: 4.61B (+0.2%)
3.75B
est: 4.75B (-21.0%)
4.59B
4.59B – 4.59B
-3.4% YoY
SGA
998.07M
est: 2.79B (-64.3%)
4.67B
est: 2.56B (+82.5%)
1.12B
est: 2.02B (-44.4%)
2.82B
est: 2.09B (+35.0%)
1.88B
1.88B – 1.88B
-10.1% YoY
EPS
0.86
est: 1.06 (-18.6%)
0.75
est: 0.97 (-22.5%)
0.67
est: 0.67 (+0.0%)
0.55
est: 0.69 (-20.3%)
0.67
0.67 – 0.67
-3.4% 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 4/5 4/5
2026-05-28 B 3/5 1/5 3/5 3/5 1/5 4/5 4/5
2026-05-27 B 3/5 1/5 3/5 3/5 1/5 4/5 4/5
2026-05-26 B 3/5 1/5 3/5 3/5 1/5 4/5 4/5
2026-05-22 B 3/5 1/5 3/5 3/5 1/5 4/5 4/5
2026-05-21 B 3/5 1/5 3/5 3/5 1/5 4/5 4/5
2026-05-20 B 3/5 1/5 3/5 3/5 1/5 4/5 4/5
2026-05-19 B 3/5 1/5 3/5 3/5 1/5 4/5 4/5
2026-05-18 B 3/5 1/5 3/5 3/5 1/5 4/5 4/5
2026-05-15 B- 3/5 1/5 2/5 3/5 1/5 4/5 4/5
2026-05-14 B- 3/5 1/5 2/5 3/5 1/5 4/5 4/5
2026-05-13 B- 3/5 1/5 2/5 3/5 1/5 4/5 4/5
2026-05-12 B- 3/5 1/5 2/5 3/5 1/5 4/5 4/5
2026-05-11 B- 3/5 1/5 2/5 3/5 1/5 4/5 4/5
2026-05-08 B- 3/5 1/5 2/5 3/5 1/5 4/5 4/5
2026-05-07 B- 3/5 1/5 2/5 3/5 1/5 4/5 4/5
2026-05-06 B- 3/5 1/5 2/5 3/5 1/5 4/5 4/5
2026-05-05 B- 3/5 1/5 2/5 3/5 1/5 4/5 4/5
2026-05-04 B- 3/5 1/5 2/5 3/5 1/5 4/5 4/5
2026-04-30 B- 3/5 1/5 2/5 3/5 1/5 4/5 4/5
2026-04-29 B 3/5 1/5 3/5 3/5 1/5 4/5 4/5
2026-04-28 B 3/5 1/5 3/5 3/5 1/5 4/5 4/5
2026-04-27 B 3/5 1/5 3/5 3/5 1/5 4/5 4/5
2026-04-24 B 3/5 1/5 3/5 3/5 1/5 4/5 4/5
2026-04-23 B 3/5 1/5 3/5 4/5 1/5 4/5 4/5
2026-04-22 B 3/5 1/5 3/5 4/5 1/5 4/5 4/5
2026-04-21 B 3/5 1/5 3/5 4/5 1/5 4/5 4/5
2026-04-20 B 3/5 1/5 3/5 4/5 1/5 4/5 4/5
2026-04-17 B 3/5 1/5 3/5 4/5 1/5 4/5 4/5
2026-04-16 B 3/5 1/5 3/5 4/5 1/5 4/5 4/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
-4.83B
OE per share TTM
-0.70
Owner's Yield
-20.95%
Maintenance CapEx ratio
159.67%
Maint CapEx / Avg PPE
23.8%

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 3 ETFs in our universe
# ETF Weight Est. AUM exposure TER
1 Dimensional Emerging Markets Sustainability Core 1 ETF DFSE 0.00% 13.0K 0.44%
2 Dimensional - Emerging Markets Core Equity 2 ETF DFEM 0.00% 151.9K 0.39%
3 Dimensional World ex U.S. Core Equity 2 ETF DFAX 0.00% 12.1K 0.28%

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
457.0K
Shares Outstanding
6.89B

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
Yunfei Ye VP & Chief Compliance Officer 4M male
Qiang Fu President & Executive Director 2M male
Guofeng Lu Executive Chairman 2M male
Hua Qian Executive Director & Vice President 2M male
Jianguang Ye VP, Secretary to the Board & Joint Company Secretary 2M male
Pak Yu Tam Joint Company Secretary female
Guobo Zhong Assistant to the President male
Renhe Zheng Chief Risk Officer male
Xuemei Zhong Head of Accounting Department 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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These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.

Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits