Bank of Ningbo Co., Ltd. Logo

Bank of Ningbo Co., Ltd.

002142.SZ

(3.5)
Stock Price

24,92 CNY

0.86% ROA

13.19% ROE

7.04x PER

Market Cap.

184.702.412.300,00 CNY

427.02% DER

2.15% Yield

25.35% NPM

Bank of Ningbo Co., Ltd. Stock Analysis

Bank of Ningbo Co., Ltd. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Bank of Ningbo Co., Ltd. Fundamental Stock Analysis
# Analysis Rating
1 PBV

With a remarkably low PBV ratio (0.84x), the stock offers substantial upside potential at a bargain price.

2 Revenue Growth

With continuous growth in revenue over the last five years, this company has proven to be a lucrative investment option, showcasing its strong financial performance.

3 Net Profit Growth

Throughout the past five years, this company has consistently experienced net profit growth, indicating a strong financial performance and making it an attractive investment prospect.

4 Assets Growth

This company's revenue has experienced steady growth over the last five years, indicating a reliable and prosperous financial trajectory.

5 Dividend

Investors can take comfort in the company's unwavering commitment to dividends, as it has consistently distributed payouts over the past five years, ensuring a reliable income stream.

6 ROE

The stock's ROE falls within an average range (14.02%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

7 ROA

The stock's ROA (0.95%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

8 Graham Number

Based on the Graham number, this company's stock price appears to be lower than its intrinsic value, signaling a potentially favorable investment choice.

9 Buffet Intrinsic Value

The company's stock shows potential as it is undervalued (68) according to Warren Buffett's formula, indicating that its intrinsic value exceeds the market price.

10 DER

The company has a high debt to equity ratio (263%), which means it owes a lot of money compared to what it actually owns, making it financially risky.

11 Dividend Growth

The company's dividend growth has remained unchanged for three years, signaling a lack of positive momentum and making it a less favorable investment choice.

Bank of Ningbo Co., Ltd. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Bank of Ningbo Co., Ltd. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Buy
3 RSI Hold
4 Stoch RSI Buy

Bank of Ningbo Co., Ltd. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Bank of Ningbo Co., Ltd. Revenue
Year Revenue Growth
2004 1.039.215.101
2005 1.230.573.949 15.55%
2006 1.600.803.720 23.13%
2007 2.243.785.809 28.66%
2008 3.403.794.331 34.08%
2009 4.175.506.000 18.48%
2010 5.911.918.000 29.37%
2011 7.966.133.000 25.79%
2012 10.341.836.000 22.97%
2013 12.761.479.000 18.96%
2014 15.356.750.000 16.9%
2015 19.516.224.000 21.31%
2016 23.645.017.000 17.46%
2017 25.322.994.000 6.63%
2018 28.825.193.000 12.15%
2019 35.075.932.000 17.82%
2020 41.039.000.000 14.53%
2021 52.767.000.000 22.23%
2022 57.866.000.000 8.81%
2023 60.404.000.000 4.2%
2023 110.250.000.000 45.21%
2024 117.012.000.000 5.78%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Bank of Ningbo Co., Ltd. Research and Development Expenses
Year Research and Development Expenses Growth
2004 0
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Bank of Ningbo Co., Ltd. General and Administrative Expenses
Year General and Administrative Expenses Growth
2004 399.138.522
2005 466.057.234 14.36%
2006 601.779.025 22.55%
2007 818.472.003 26.48%
2008 1.369.250.632 40.22%
2009 1.727.595.000 20.74%
2010 2.255.003.000 23.39%
2011 2.897.907.000 22.19%
2012 3.529.395.000 17.89%
2013 4.448.668.000 20.66%
2014 4.924.683.000 9.67%
2015 6.640.500.000 25.84%
2016 8.100.523.000 18.02%
2017 8.766.635.000 7.6%
2018 9.963.906.000 12.02%
2019 12.037.744.000 17.23%
2020 15.609.000.000 22.88%
2021 19.500.000.000 19.95%
2022 21.582.000.000 9.65%
2023 25.556.000.000 15.55%
2023 24.012.000.000 -6.43%
2024 23.056.000.000 -4.15%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Bank of Ningbo Co., Ltd. EBITDA
Year EBITDA Growth
2004 1.021.385.680
2005 1.201.344.519 14.98%
2006 1.616.474.854 25.68%
2007 2.311.899.231 30.08%
2008 3.683.841.406 37.24%
2009 3.702.134.000 0.49%
2010 7.039.488.000 47.41%
2011 11.921.971.000 40.95%
2012 13.945.249.000 14.51%
2013 18.552.339.000 24.83%
2014 22.144.655.000 16.22%
2015 24.589.696.000 9.94%
2016 26.733.812.000 8.02%
2017 30.744.479.000 13.05%
2018 35.763.855.000 14.03%
2019 15.743.773.000 -127.16%
2020 17.147.000.000 8.18%
2021 22.037.000.000 22.19%
2022 68.249.000.000 67.71%
2023 27.880.000.000 -144.8%
2023 2.335.000.000 -1094%
2024 2.658.000.000 12.15%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Bank of Ningbo Co., Ltd. Gross Profit
Year Gross Profit Growth
2004 1.039.215.101
2005 1.230.573.949 15.55%
2006 1.600.803.720 23.13%
2007 2.243.785.809 28.66%
2008 3.403.794.331 34.08%
2009 4.175.506.000 18.48%
2010 5.911.918.000 29.37%
2011 7.966.133.000 25.79%
2012 10.341.836.000 22.97%
2013 12.761.479.000 18.96%
2014 15.356.750.000 16.9%
2015 19.516.224.000 21.31%
2016 23.645.017.000 17.46%
2017 25.322.994.000 6.63%
2018 28.825.193.000 12.15%
2019 35.075.932.000 17.82%
2020 41.039.000.000 14.53%
2021 52.767.000.000 22.23%
2022 57.866.000.000 8.81%
2023 60.404.000.000 4.2%
2023 110.250.000.000 45.21%
2024 117.012.000.000 5.78%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Bank of Ningbo Co., Ltd. Net Profit
Year Net Profit Growth
2004 438.024.063
2005 471.950.690 7.19%
2006 632.084.511 25.33%
2007 951.072.767 33.54%
2008 1.331.737.412 28.58%
2009 1.457.446.000 8.63%
2010 2.321.986.000 37.23%
2011 3.253.510.000 28.63%
2012 4.068.137.000 20.02%
2013 4.847.071.000 16.07%
2014 5.627.466.000 13.87%
2015 6.544.333.000 14.01%
2016 7.810.417.000 16.21%
2017 9.333.572.000 16.32%
2018 11.186.356.000 16.56%
2019 13.714.237.000 18.43%
2020 15.050.000.000 8.88%
2021 19.546.000.000 23%
2022 23.075.000.000 15.29%
2023 25.608.000.000 9.89%
2023 25.535.000.000 -0.29%
2024 26.544.000.000 3.8%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Bank of Ningbo Co., Ltd. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2004 1
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 1 0%
2011 1 0%
2012 1 0%
2013 1 100%
2014 1 0%
2015 1 0%
2016 1 0%
2017 2 0%
2018 2 0%
2019 2 50%
2020 2 0%
2021 3 33.33%
2022 3 0%
2023 4 0%
2023 4 0%
2024 4 25%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Bank of Ningbo Co., Ltd. Free Cashflow
Year Free Cashflow Growth
2004 889.056.681
2005 4.499.306.425 80.24%
2006 -5.522.252 81575.93%
2007 5.345.110.262 100.1%
2008 5.572.531.154 4.08%
2009 15.953.118.000 65.07%
2010 54.159.897.000 70.54%
2011 -24.641.036.000 319.8%
2012 46.969.199.000 152.46%
2013 37.321.638.000 -25.85%
2014 21.640.363.000 -72.46%
2015 18.552.562.000 -16.64%
2016 107.945.894.000 82.81%
2017 17.002.809.000 -534.87%
2018 -52.269.634.000 132.53%
2019 37.730.114.000 238.54%
2020 58.951.000.000 36%
2021 -47.132.000.000 225.08%
2022 91.895.000.000 151.29%
2023 56.576.000.000 -62.43%
2023 90.139.000.000 37.23%
2024 20.143.000.000 -347.5%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Bank of Ningbo Co., Ltd. Operating Cashflow
Year Operating Cashflow Growth
2004 1.062.548.064
2005 4.583.037.608 76.82%
2006 141.410.495 -3140.95%
2007 5.629.507.912 97.49%
2008 5.921.028.629 4.92%
2009 16.541.919.000 64.21%
2010 55.182.576.000 70.02%
2011 -24.222.406.000 327.82%
2012 48.165.044.000 150.29%
2013 38.737.119.000 -24.34%
2014 22.776.297.000 -70.08%
2015 19.560.541.000 -16.44%
2016 109.411.852.000 82.12%
2017 18.000.979.000 -507.81%
2018 -50.979.147.000 135.31%
2019 40.338.631.000 226.38%
2020 60.771.000.000 33.62%
2021 -44.549.000.000 236.41%
2022 94.768.000.000 147.01%
2023 60.283.000.000 -57.21%
2023 90.657.000.000 33.5%
2024 20.756.000.000 -336.77%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Bank of Ningbo Co., Ltd. Capital Expenditure
Year Capital Expenditure Growth
2004 173.491.383
2005 83.731.182 -107.2%
2006 146.932.747 43.01%
2007 284.397.649 48.34%
2008 348.497.475 18.39%
2009 588.801.000 40.81%
2010 1.022.679.000 42.43%
2011 418.630.000 -144.29%
2012 1.195.845.000 64.99%
2013 1.415.481.000 15.52%
2014 1.135.934.000 -24.61%
2015 1.007.979.000 -12.69%
2016 1.465.958.000 31.24%
2017 998.170.000 -46.86%
2018 1.290.487.000 22.65%
2019 2.608.517.000 50.53%
2020 1.820.000.000 -43.33%
2021 2.583.000.000 29.54%
2022 2.873.000.000 10.09%
2023 3.707.000.000 22.5%
2023 518.000.000 -615.64%
2024 613.000.000 15.5%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Bank of Ningbo Co., Ltd. Equity
Year Equity Growth
2004 1.743.628.608
2005 2.187.172.066 20.28%
2006 3.196.183.697 31.57%
2007 8.022.317.047 60.16%
2008 8.805.003.522 8.89%
2009 9.741.983.000 9.62%
2010 15.876.639.000 38.64%
2011 18.714.067.000 15.16%
2012 22.116.960.000 15.39%
2013 25.521.888.000 13.34%
2014 34.164.212.000 25.3%
2015 45.097.319.000 24.24%
2016 50.386.113.000 10.5%
2017 57.205.972.000 11.92%
2018 81.229.868.000 29.58%
2019 100.736.111.000 19.36%
2020 118.993.000.000 15.34%
2021 150.000.000.000 20.67%
2022 168.526.000.000 10.99%
2023 196.287.000.000 14.14%
2023 192.210.000.000 -2.12%
2024 209.828.000.000 8.4%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Bank of Ningbo Co., Ltd. Assets
Year Assets Growth
2004 34.238.003.554
2005 42.429.347.763 19.31%
2006 56.546.232.890 24.97%
2007 75.510.771.068 25.12%
2008 103.263.190.620 26.88%
2009 163.351.866.000 36.78%
2010 263.274.332.000 37.95%
2011 260.497.637.000 -1.07%
2012 373.536.589.000 30.26%
2013 467.772.601.000 20.15%
2014 554.112.618.000 15.58%
2015 716.464.653.000 22.66%
2016 885.020.411.000 19.05%
2017 1.032.042.442.000 14.25%
2018 1.116.423.355.000 7.56%
2019 1.317.717.046.000 15.28%
2020 1.626.749.000.000 19%
2021 2.015.607.000.000 19.29%
2022 2.366.097.000.000 14.81%
2023 2.670.228.000.000 11.39%
2023 2.719.497.000.000 1.81%
2024 3.043.920.000.000 10.66%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Bank of Ningbo Co., Ltd. Liabilities
Year Liabilities Growth
2004 32.494.374.945
2005 40.242.175.696 19.25%
2006 53.350.049.192 24.57%
2007 67.488.454.021 20.95%
2008 94.458.187.098 28.55%
2009 153.609.883.000 38.51%
2010 247.397.693.000 37.91%
2011 241.783.570.000 -2.32%
2012 351.419.629.000 31.2%
2013 442.250.713.000 20.54%
2014 519.948.406.000 14.94%
2015 671.367.334.000 22.55%
2016 834.634.298.000 19.56%
2017 974.836.470.000 14.38%
2018 1.035.193.487.000 5.83%
2019 248.848.033.000 -315.99%
2020 255.877.000.000 2.75%
2021 445.592.000.000 42.58%
2022 548.837.000.000 18.81%
2023 514.219.000.000 -6.73%
2023 2.527.287.000.000 79.65%
2024 2.834.092.000.000 10.83%

Bank of Ningbo Co., Ltd. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
15.68
Net Income per Share
3.97
Price to Earning Ratio
7.04x
Price To Sales Ratio
1.78x
POCF Ratio
1.27
PFCF Ratio
1.3
Price to Book Ratio
0.88
EV to Sales
8.22
EV Over EBITDA
103.56
EV to Operating CashFlow
5.84
EV to FreeCashFlow
5.99
Earnings Yield
0.14
FreeCashFlow Yield
0.77
Market Cap
184,70 Bil.
Enterprise Value
850,73 Bil.
Graham Number
53.16
Graham NetNet
-451.9

Income Statement Metrics

Net Income per Share
3.97
Income Quality
5.56
ROE
0.13
Return On Assets
0.01
Return On Capital Employed
0
Net Income per EBT
0.89
EBT Per Ebit
4.26
Ebit per Revenue
0.07
Effective Tax Rate
0.11

Margins

Sales, General, & Administrative to Revenue
0.23
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.07
Pretax Profit Margin
0.28
Net Profit Margin
0.25

Dividends

Dividend Yield
0.02
Dividend Yield %
2.15
Payout Ratio
0.55
Dividend Per Share
0.6

Operating Metrics

Operating Cashflow per Share
22.08
Free CashFlow per Share
21.49
Capex to Operating CashFlow
0.03
Capex to Revenue
0.04
Capex to Depreciation
3.44
Return on Invested Capital
0.01
Return on Tangible Assets
0.01
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0.59

Balance Sheet

Cash per Share
-22,73
Book Value per Share
31,77
Tangible Book Value per Share
31.24
Shareholders Equity per Share
31.61
Interest Debt per Share
143.07
Debt to Equity
4.27
Debt to Assets
0.29
Net Debt to EBITDA
81.08
Current Ratio
0.44
Tangible Asset Value
206,32 Bil.
Net Current Asset Value
-2.231,23 Bil.
Invested Capital
-765993000000
Working Capital
-781,45 Bil.
Intangibles to Total Assets
0
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
4.83

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Bank of Ningbo Co., Ltd. Dividends
Year Dividends Growth
2008 0
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 1 0%
2022 1 0%
2023 1 0%
2024 1 0%

Bank of Ningbo Co., Ltd. Profile

About Bank of Ningbo Co., Ltd.

Bank of Ningbo Co., Ltd. provides various personal and business banking products and services in the People's Republic of China. The company operates through Corporate Business, Personal Business, Treasury Business, and Other Business segments. It offers deposits; short-term, medium-term, and long-term loans; bank cards; domestic and international settlement services; bill discounting services; collection and payment agency, cashing proxy, and government bonds underwriting services; sells government and financial bonds; inter-bank lending and borrowing services; safe deposit box services; foreign exchange deposits; foreign currency exchange, loans, and remittances; bank guarantees; and insurance agency services, as well as other banking services. The company also provides financial bonds issuance; handles entrusted loan business of funds used for local fiscal credit turnover; foreign currencies purchase and sale; inter-bank foreign currency lending/borrowing; foreign currency bills acceptance and discount; foreign currency exchange and sales services; foreign exchange lending and guarantee services; and other business services. As of December 31, 2021, it operated 16 branches, 1 capital operation center located in Shanghai, and 19 first-level sub-branches located in the cities of Ningbo and Zhejiang province; Shanghai, Hangzhou, Nanjing, Shenzhen, Suzhou, Wenzhou, Beijing, Wuxi, Jinhua, Shaoxing, Taizhou, Jiaxing, Lishui, Huzhou, Quzhou, and Zhoushan. The company was formerly known as Ningbo Commercial Bank Co., Ltd. and changed its name to Bank of Ningbo Co., Ltd. in February 2007. Bank of Ningbo Co., Ltd. was founded in 1997 and is headquartered in Ningbo, the People's Republic of China.

CEO
Mr. Lingjun Zhuang
Employee
27.540
Address
No. 345, Ningdong Road
Ningbo, 315042

Bank of Ningbo Co., Ltd. Executives & BODs

Bank of Ningbo Co., Ltd. Executives & BODs
# Name Age
1 Mr. Peijiong Feng
Vice President & Director
70
2 Mr. Gang Yu
Board Secretary
70
3 Mr. Yandi Xu
IR expert
70
4 Ms. Ye Zhuang
Deputy GM of Compliance Department & Employee Representative Supervisor
70
5 Mr. Lingjun Zhuang
President & Vice Chairman
70
6 Mr. Weikai Luo
Director,Vice President, Financial Officer & Chief Information Officer
70

Bank of Ningbo Co., Ltd. Competitors