Bank of Qingdao Co., Ltd. Logo

Bank of Qingdao Co., Ltd.

3866.HK

(2.5)
Stock Price

2,73 HKD

0.59% ROA

9.63% ROE

3.7x PER

Market Cap.

19.596.132.351,53 HKD

211.99% DER

7.01% Yield

26.45% NPM

Bank of Qingdao Co., Ltd. Stock Analysis

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

With a remarkably low PBV ratio (0.28x), the stock offers substantial upside potential at a bargain price.

2 Assets Growth

Over the past five years, this company's revenue has consistently increased, demonstrating a robust financial performance that makes it an appealing opportunity.

3 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.

4 ROE

The stock's ROE falls within an average range (9.48%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

5 ROA

The stock's ROA (0.61%) 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.

6 Graham Number

The company's Graham number suggests that its stock price is underestimated, implying that it may present a compelling investment opportunity.

7 Buffet Intrinsic Value

The company's stock seems undervalued (6) by Warren Buffett's formula, indicating a promising investment opportunity as its intrinsic value exceeds the market price.

8 DER

The company has a high debt to equity ratio (197%), which means it owes a lot of money compared to what it actually owns, making it financially risky.

9 Revenue Growth

Company has experienced no growth in revenue over the past three years, suggesting limited profitability and making it a less desirable investment opportunity.

10 Net Profit Growth

Over the past five years, this company's net profit has failed to exhibit any growth, indicating a stagnant financial performance and making it a less favorable choice for potential investors.

11 Dividend Growth

The company's dividend growth has remained flat for the past three years, offering no indication of improved returns and making it a less advantageous investment opportunity.

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

Bank of Qingdao 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 Qingdao Co., Ltd. Revenue
Year Revenue Growth
2008 1.081.254.671
2009 1.090.812.645 0.88%
2010 1.574.780.000 30.73%
2011 2.484.995.000 36.63%
2012 2.870.036.000 13.42%
2013 3.525.048.000 18.58%
2014 4.339.888.000 18.78%
2015 5.001.074.000 13.22%
2016 5.996.271.000 16.6%
2017 5.568.010.000 -7.69%
2018 7.365.340.000 24.4%
2019 9.622.886.000 23.46%
2020 9.595.016.000 -0.29%
2021 10.398.296.000 7.73%
2022 10.350.982.000 -0.46%
2023 15.543.748.000 33.41%
2023 11.018.138.000 -41.07%
2024 15.016.004.000 26.62%

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 Qingdao Co., Ltd. Research and Development Expenses
Year Research and Development Expenses 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 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 Qingdao Co., Ltd. General and Administrative Expenses
Year General and Administrative Expenses Growth
2008 292.832.371
2009 444.959.905 34.19%
2010 655.610.000 32.13%
2011 998.471.000 34.34%
2012 1.200.035.000 16.8%
2013 1.459.546.000 17.78%
2014 1.728.814.000 15.58%
2015 381.621.000 -353.02%
2016 407.487.000 6.35%
2017 473.313.000 13.91%
2018 502.855.000 5.87%
2019 727.083.000 30.84%
2020 1.185.304.000 38.66%
2021 1.142.886.000 -3.71%
2022 1.293.026.000 11.61%
2023 0 0%
2023 1.319.543.000 100%
2024 0 0%

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 Qingdao Co., Ltd. EBITDA
Year EBITDA Growth
2008 1.063.966.222
2009 1.030.397.018 -3.26%
2010 1.432.110.000 28.05%
2011 2.399.086.000 40.31%
2012 3.269.235.000 26.62%
2013 4.739.266.000 31.02%
2014 6.198.454.000 23.54%
2015 7.122.909.000 12.98%
2016 7.629.940.000 6.65%
2017 9.629.173.000 20.76%
2018 10.287.321.000 6.4%
2019 3.187.507.000 -222.74%
2020 3.097.940.000 -2.89%
2021 3.647.924.000 15.08%
2022 15.140.530.000 75.91%
2023 3.298.500.000 -359.01%
2023 -233.287.001 1513.92%
2024 7.578.348.000 103.08%

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 Qingdao Co., Ltd. Gross Profit
Year Gross Profit Growth
2008 1.081.254.671
2009 1.090.812.645 0.88%
2010 1.574.780.000 30.73%
2011 2.484.995.000 36.63%
2012 2.870.036.000 13.42%
2013 3.525.048.000 18.58%
2014 4.339.888.000 18.78%
2015 5.001.074.000 13.22%
2016 5.996.271.000 16.6%
2017 5.568.010.000 -7.69%
2018 7.365.340.000 24.4%
2019 9.622.886.000 23.46%
2020 9.595.016.000 -0.29%
2021 10.398.296.000 7.73%
2022 10.350.982.000 -0.46%
2023 15.543.748.000 33.41%
2023 8.344.793.000 -86.27%
2024 15.016.004.000 44.43%

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 Qingdao Co., Ltd. Net Profit
Year Net Profit Growth
2008 323.159.066
2009 419.107.179 22.89%
2010 514.530.000 18.55%
2011 738.445.000 30.32%
2012 920.028.000 19.74%
2013 1.141.914.000 19.43%
2014 1.495.352.000 23.64%
2015 1.813.776.000 17.56%
2016 2.088.605.000 13.16%
2017 1.900.252.000 -9.91%
2018 2.023.352.000 6.08%
2019 2.284.815.000 11.44%
2020 1.897.165.000 -20.43%
2021 2.922.664.000 35.09%
2022 3.082.775.000 5.19%
2023 2.612.136.000 -18.02%
2023 3.548.599.000 26.39%
2024 6.241.128.000 43.14%

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 Qingdao Co., Ltd. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2008 0
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 1 0%
2015 1 0%
2016 1 0%
2017 0 0%
2018 0 0%
2019 1 0%
2020 0 0%
2021 1 0%
2022 1 0%
2023 0 0%
2023 1 0%
2024 1 100%

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 Qingdao Co., Ltd. Free Cashflow
Year Free Cashflow Growth
2008 -1.670.512.321
2009 284.813.862 686.53%
2010 7.006.920.000 95.94%
2011 7.771.312.000 9.84%
2012 9.430.756.000 17.6%
2013 11.379.044.000 17.12%
2014 10.782.254.000 -5.53%
2015 7.846.418.000 -37.42%
2016 43.596.358.000 82%
2017 -26.256.384.000 266.04%
2018 -21.131.217.000 -24.25%
2019 -7.307.086.000 -189.19%
2020 44.563.523.000 116.4%
2021 2.377.573.000 -1774.33%
2022 -2.168.685.000 209.63%
2023 2.764.918.000 178.44%
2023 9.733.013.000 71.59%
2024 8.975.578.000 -8.44%

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 Qingdao Co., Ltd. Operating Cashflow
Year Operating Cashflow Growth
2008 -1.630.146.627
2009 307.734.200 629.73%
2010 7.395.390.000 95.84%
2011 7.921.562.000 6.64%
2012 10.677.425.000 25.81%
2013 11.933.373.000 10.52%
2014 11.196.260.000 -6.58%
2015 8.513.108.000 -31.52%
2016 44.160.567.000 80.72%
2017 -25.646.229.000 272.19%
2018 -20.854.480.000 -22.98%
2019 -7.005.735.000 -197.68%
2020 45.293.459.000 115.47%
2021 3.005.001.000 -1407.27%
2022 -1.674.725.000 279.43%
2023 2.878.332.000 158.18%
2023 10.136.930.000 71.61%
2024 9.061.084.000 -11.87%

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 Qingdao Co., Ltd. Capital Expenditure
Year Capital Expenditure Growth
2008 40.365.694
2009 22.920.338 -76.11%
2010 388.470.000 94.1%
2011 150.250.000 -158.55%
2012 1.246.669.000 87.95%
2013 554.329.000 -124.9%
2014 414.006.000 -33.89%
2015 666.690.000 37.9%
2016 564.209.000 -18.16%
2017 610.155.000 7.53%
2018 276.737.000 -120.48%
2019 301.351.000 8.17%
2020 729.936.000 58.72%
2021 627.428.000 -16.34%
2022 493.960.000 -27.02%
2023 113.414.000 -335.54%
2023 403.917.000 71.92%
2024 85.506.000 -372.38%

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 Qingdao Co., Ltd. Equity
Year Equity Growth
2008 3.918.974.392
2009 4.118.965.403 4.86%
2010 4.145.460.000 0.64%
2011 6.958.205.000 40.42%
2012 7.436.635.000 6.43%
2013 8.205.152.000 9.37%
2014 9.784.650.000 16.14%
2015 16.613.652.000 41.1%
2016 17.635.973.000 5.8%
2017 26.123.209.000 32.49%
2018 27.496.724.000 5%
2019 30.477.918.000 9.78%
2020 30.906.858.000 1.39%
2021 33.327.728.000 7.26%
2022 36.593.295.000 8.92%
2023 39.939.243.000 8.38%
2023 38.787.551.000 -2.97%
2024 42.855.737.000 9.49%

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 Qingdao Co., Ltd. Assets
Year Assets Growth
2008 32.555.375.499
2009 43.629.284.033 25.38%
2010 62.937.420.000 30.68%
2011 77.025.677.000 18.29%
2012 101.658.224.000 24.23%
2013 135.689.371.000 25.08%
2014 156.165.941.000 13.11%
2015 187.235.254.000 16.59%
2016 277.988.106.000 32.65%
2017 306.276.092.000 9.24%
2018 317.658.502.000 3.58%
2019 373.622.150.000 14.98%
2020 459.827.605.000 18.75%
2021 522.249.610.000 11.95%
2022 529.613.992.000 1.39%
2023 607.985.372.000 12.89%
2023 568.400.907.000 -6.96%
2024 654.024.373.000 13.09%

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 Qingdao Co., Ltd. Liabilities
Year Liabilities Growth
2008 28.636.401.106
2009 39.510.318.629 27.52%
2010 58.791.960.000 32.8%
2011 70.067.472.000 16.09%
2012 94.221.589.000 25.64%
2013 127.484.219.000 26.09%
2014 146.381.291.000 12.91%
2015 170.621.602.000 14.21%
2016 260.352.133.000 34.47%
2017 280.152.883.000 7.07%
2018 290.161.778.000 3.45%
2019 343.144.232.000 15.44%
2020 428.920.747.000 20%
2021 488.921.882.000 12.27%
2022 493.020.697.000 0.83%
2023 568.046.129.000 13.21%
2023 529.613.356.000 -7.26%
2024 611.168.636.000 13.34%

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

Valuation Metrics

Revenue per Share
2.56
Net Income per Share
0.68
Price to Earning Ratio
3.7x
Price To Sales Ratio
1.35x
POCF Ratio
1.42
PFCF Ratio
2.04
Price to Book Ratio
0.34
EV to Sales
3.04
EV Over EBITDA
14.39
EV to Operating CashFlow
4.42
EV to FreeCashFlow
4.59
Earnings Yield
0.27
FreeCashFlow Yield
0.49
Market Cap
19,60 Bil.
Enterprise Value
44,22 Bil.
Graham Number
10.61
Graham NetNet
-93.11

Income Statement Metrics

Net Income per Share
0.68
Income Quality
4.26
ROE
0.1
Return On Assets
0.01
Return On Capital Employed
0.01
Net Income per EBT
0.88
EBT Per Ebit
1.04
Ebit per Revenue
0.29
Effective Tax Rate
0.09

Margins

Sales, General, & Administrative to Revenue
0.4
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
0.81
Operating Profit Margin
0.29
Pretax Profit Margin
0.3
Net Profit Margin
0.26

Dividends

Dividend Yield
0.07
Dividend Yield %
7.01
Payout Ratio
0.32
Dividend Per Share
0.18

Operating Metrics

Operating Cashflow per Share
1.76
Free CashFlow per Share
1.69
Capex to Operating CashFlow
0.04
Capex to Revenue
0.03
Capex to Depreciation
0.88
Return on Invested Capital
0.03
Return on Tangible Assets
0.01
Days Sales Outstanding
577.05
Days Payables Outstanding
1389.83
Days of Inventory on Hand
0
Receivables Turnover
0.63
Payables Turnover
0.26
Inventory Turnover
0
Capex per Share
0.07

Balance Sheet

Cash per Share
11,31
Book Value per Share
7,54
Tangible Book Value per Share
7.47
Shareholders Equity per Share
7.38
Interest Debt per Share
17.81
Debt to Equity
2.12
Debt to Assets
0.14
Net Debt to EBITDA
8.02
Current Ratio
8.33
Tangible Asset Value
42,47 Bil.
Net Current Asset Value
-523,81 Bil.
Invested Capital
81518335000
Working Capital
76,87 Bil.
Intangibles to Total Assets
0
Average Receivables
20,62 Bil.
Average Payables
10,26 Bil.
Average Inventory
0
Debt to Market Cap
4.54

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 Qingdao Co., Ltd. Dividends
Year Dividends Growth
2016 0
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2024 0 0%

Bank of Qingdao Co., Ltd. Profile

About Bank of Qingdao Co., Ltd.

Bank of Qingdao Co., Ltd. provides various banking products and services in the People's Republic of China. It operates through Retail Banking, Corporate Banking, and Financial Market segments. The company accepts deposits; provides short, mid, and long-term loans; conducts domestic and overseas settlements, as well as acceptance, discounting, and inter-bank discounting of notes; issues financial bonds; and operates as an agent in issuing, cash-in, and underwriting government and financial bonds. It also trades in government bonds, notes of central banks, financial and corporate bonds, mid-term notes, short-term financing coupons, and other bonds issued and circulated in the national interbank bond market; participates in interbank lending and borrowing, and interbank deposit businesses; and performs foreign exchange trading as an agent. In addition, the company provides bank cards, and letters of credit and guarantee; and receipt and payment, and insurance business agency services, as well as other agency services, including funds and sales of precious metals. Further, it engages in the bond settlement agency business and the fixed deposits business of commercial banks for cash management of central treasury; and provision of safe deposit box and wealth management services, as well as in the foreign exchange settlement and sales businesses. As of December 31, 2021, the company operated 103 in-bank self-service banks; and 407 self-service devices, including 19 ATMs, 263 self-service cash deposit and teller machines, and 125 self-service terminals that provide various services, such as withdrawals, deposits, transfers, account enquiries, and payments. The company was formerly known as Qingdao City Commercial Bank Co., Ltd. and changed its name to Bank of Qingdao Co., Ltd. in 2008. Bank of Qingdao Co., Ltd. was founded in 1996 and is headquartered in Qingdao, the People's Republic of China.

CEO
Mr. Xianming Wu
Employee
5.100
Address
No. 6 Qinling Road
Qingdao, 266061

Bank of Qingdao Co., Ltd. Executives & BODs

Bank of Qingdao Co., Ltd. Executives & BODs
# Name Age
1 Mr. Xianming Wu
President & Executive Director
70
2 Mr. Dawei Wang
Chief Officer of the Credit Risk, GM of the Credit Management Department & Employee Supervisor
70
3 Ms. Shuang Chen
Vice President & Executive Director
70
4 Mr. Xiaoshu Liu
Chief Economist
70
5 Mr. Zailun Jing
Executive Director
70
6 Mr. Peng Liu
Vice President & Executive Director
70
7 Mr. Dageng Meng
Chief Financial Officer
70
8 Mr. Meng Zhang
Vice President
70
9 Ms. Yongshi Yu
Joint Company Secretary
70
10 Ms. Qiaowen Zhang
Joint Company Secretary & Assistant to President
70

Bank of Qingdao Co., Ltd. Competitors