Bank of Xi'an Co.,Ltd. Logo

Bank of Xi'an Co.,Ltd.

600928.SS

(2.5)
Stock Price

3,78 CNY

0.55% ROA

7.9% ROE

6.87x PER

Market Cap.

16.933.316.400,00 CNY

272.12% DER

1.47% Yield

17.05% NPM

Bank of Xi'an Co.,Ltd. Stock Analysis

Bank of Xi'an 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 Xi'an Co.,Ltd. Fundamental Stock Analysis
# Analysis Rating
1 PBV

The stock's low PBV ratio (0.5x) suggests it's undervalued, making it an attractive opportunity for investors.

2 Assets 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 Dividend

Investors can trust the company's impressive dividend track record, consistently distributing dividends over the past five years, showcasing a strong commitment to rewarding shareholders.

4 ROE

The stock's ROE falls within an average range (8.54%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

5 ROA

The stock's ROA (0.6%) 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

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

7 Buffet Intrinsic Value

Warren Buffett's formula suggests that the company's stock is undervalued (7), making it an appealing investment prospect with its intrinsic value surpassing the current market price.

8 DER

The company has a high debt to equity ratio (216%), which means it owes a lot of money compared to what it actually owns, making it financially risky.

9 Revenue Growth

Regrettably, this company's revenue has shown no signs of growth over the past three years, suggesting limited potential for returns and making it a less appealing choice.

10 Net Profit Growth

Despite the passage of five years, this company's net profit has not shown any improvement, highlighting a lack of growth and making it a less appealing investment prospect.

11 Dividend Growth

Potential investors should be aware that the company's dividend growth has shown no upward trend in the past three years, indicating limited potential for increased returns.

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

Bank of Xi'an 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 Xi'an Co.,Ltd. Revenue
Year Revenue Growth
2006 3.428.266.227
2007 4.158.520.713 17.56%
2008 2.954.839.464 -40.74%
2009 2.339.164.036 -26.32%
2010 2.514.542.507 6.97%
2011 2.613.193.866 3.78%
2012 3.112.688.794 16.05%
2013 3.432.244.000 9.31%
2014 4.104.132.000 16.37%
2015 4.708.337.909 12.83%
2016 4.517.835.190 -4.22%
2017 4.926.226.201 8.29%
2018 5.959.364.000 17.34%
2019 6.840.505.000 12.88%
2020 7.137.960.000 4.17%
2021 7.196.273.000 0.81%
2022 6.567.072.000 -9.58%
2023 6.465.696.000 -1.57%
2023 16.549.002.000 60.93%
2024 17.566.264.000 5.79%

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 Xi'an Co.,Ltd. Research and Development Expenses
Year Research and Development Expenses Growth
2006 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 Xi'an Co.,Ltd. General and Administrative Expenses
Year General and Administrative Expenses Growth
2006 337.517.783
2007 364.903.269 7.5%
2008 396.716.383 8.02%
2009 483.969.360 18.03%
2010 564.870.789 14.32%
2011 700.039.509 19.31%
2012 859.477.412 18.55%
2013 1.015.682.000 15.38%
2014 1.088.111.000 6.66%
2015 1.323.947.927 17.81%
2016 1.367.439.470 3.18%
2017 1.476.412.849 7.38%
2018 1.663.365.000 11.24%
2019 1.747.270.000 4.8%
2020 1.800.483.000 2.96%
2021 1.868.748.000 3.65%
2022 1.889.992.000 1.12%
2023 1.952.752.000 3.21%
2023 1.967.685.000 0.76%
2024 1.821.396.000 -8.03%

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 Xi'an Co.,Ltd. EBITDA
Year EBITDA Growth
2006 599.132.375
2007 775.166.951 22.71%
2008 1.594.433.031 51.38%
2009 1.557.081.837 -2.4%
2010 1.442.538.290 -7.94%
2011 2.628.081.758 45.11%
2012 3.749.313.706 29.9%
2013 4.584.233.000 18.21%
2014 5.090.368.000 9.94%
2015 5.808.378.389 12.36%
2016 6.673.501.467 12.96%
2017 6.929.236.304 3.69%
2018 8.050.282.000 13.93%
2019 3.187.118.000 -152.59%
2020 3.166.242.000 -0.66%
2021 3.056.997.000 -3.57%
2022 10.836.097.000 71.79%
2023 2.271.060.000 -377.14%
2023 491.905.000 -361.69%
2024 207.628.000 -136.92%

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 Xi'an Co.,Ltd. Gross Profit
Year Gross Profit Growth
2006 3.428.266.227
2007 4.158.520.713 17.56%
2008 2.954.839.464 -40.74%
2009 2.339.164.036 -26.32%
2010 2.514.542.507 6.97%
2011 2.613.193.866 3.78%
2012 3.112.688.794 16.05%
2013 3.432.244.000 9.31%
2014 4.104.132.000 16.37%
2015 4.708.337.909 12.83%
2016 4.517.835.190 -4.22%
2017 4.926.226.201 8.29%
2018 5.959.364.000 17.34%
2019 6.840.505.000 12.88%
2020 7.137.960.000 4.17%
2021 7.196.273.000 0.81%
2022 6.567.072.000 -9.58%
2023 6.465.696.000 -1.57%
2023 16.549.002.000 60.93%
2024 17.566.264.000 5.79%

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 Xi'an Co.,Ltd. Net Profit
Year Net Profit Growth
2006 107.589.637
2007 112.343.478 4.23%
2008 676.111.604 83.38%
2009 715.903.746 5.56%
2010 825.978.716 13.33%
2011 1.107.080.827 25.39%
2012 1.454.869.896 23.91%
2013 1.630.538.000 10.77%
2014 1.806.889.000 9.76%
2015 1.989.505.798 9.18%
2016 2.011.142.478 1.08%
2017 2.131.019.926 5.63%
2018 2.361.568.000 9.76%
2019 2.674.990.000 11.72%
2020 2.756.499.000 2.96%
2021 2.804.324.000 1.71%
2022 2.424.443.000 -15.67%
2023 2.290.392.000 -5.85%
2023 2.462.237.000 6.98%
2024 2.616.924.000 5.91%

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 Xi'an Co.,Ltd. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2006 0
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 1 0%
2014 1 0%
2015 1 0%
2016 1 0%
2017 1 0%
2018 1 0%
2019 1 0%
2020 1 0%
2021 1 0%
2022 1 0%
2023 1 0%
2023 1 0%
2024 1 0%

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 Xi'an Co.,Ltd. Free Cashflow
Year Free Cashflow Growth
2008 6.128.994.204
2009 2.509.264.063 -144.25%
2010 6.596.780.455 61.96%
2011 13.159.193.278 49.87%
2012 11.827.920.330 -11.26%
2013 2.728.668.000 -333.47%
2014 -5.648.363.000 148.31%
2015 -694.728.571 -713.03%
2016 -280.192.875 -147.95%
2017 12.568.606.296 102.23%
2018 -17.833.594.000 170.48%
2019 1.903.073.000 1037.09%
2020 33.437.237.000 94.31%
2021 13.737.252.000 -143.41%
2022 52.041.187.000 73.6%
2023 12.159.909.000 -327.97%
2023 -242.542.000 5113.53%
2024 -3.050.362.000 92.05%

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 Xi'an Co.,Ltd. Operating Cashflow
Year Operating Cashflow Growth
2008 6.147.606.799
2009 2.525.513.857 -143.42%
2010 6.783.045.717 62.77%
2011 13.322.765.204 49.09%
2012 12.022.484.041 -10.82%
2013 2.908.459.000 -313.36%
2014 -5.495.780.000 152.92%
2015 -548.678.600 -901.64%
2016 -202.384.394 -171.11%
2017 12.630.274.758 101.6%
2018 -17.747.006.000 171.17%
2019 1.970.631.000 1000.57%
2020 33.518.427.000 94.12%
2021 13.800.757.000 -142.87%
2022 52.081.383.000 73.5%
2023 12.169.972.000 -327.95%
2023 -193.416.000 6392.12%
2024 -3.046.221.000 93.65%

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 Xi'an Co.,Ltd. Capital Expenditure
Year Capital Expenditure Growth
2008 18.612.595
2009 16.249.793 -14.54%
2010 186.265.261 91.28%
2011 163.571.926 -13.87%
2012 194.563.711 15.93%
2013 179.791.000 -8.22%
2014 152.583.000 -17.83%
2015 146.049.971 -4.47%
2016 77.808.481 -87.7%
2017 61.668.462 -26.17%
2018 86.588.000 28.78%
2019 67.558.000 -28.17%
2020 81.190.000 16.79%
2021 63.505.000 -27.85%
2022 40.196.000 -57.99%
2023 10.063.000 -299.44%
2023 49.126.000 79.52%
2024 4.141.000 -1086.33%

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 Xi'an Co.,Ltd. Equity
Year Equity Growth
2005 1.421.740.718
2006 2.003.197.163 29.03%
2007 1.925.071.855 -4.06%
2008 1.830.617.938 -5.16%
2009 3.867.026.299 52.66%
2010 4.462.555.188 13.35%
2011 5.245.446.276 14.93%
2012 6.774.172.531 22.57%
2013 8.290.579.000 18.29%
2014 9.826.064.000 15.63%
2015 14.418.880.016 31.85%
2016 15.971.790.066 9.72%
2017 17.715.059.774 9.84%
2018 19.994.095.000 11.4%
2019 23.667.576.000 15.52%
2020 25.623.524.000 7.63%
2021 27.603.135.000 7.17%
2022 29.247.963.000 5.62%
2023 30.474.874.000 4.03%
2023 30.926.213.000 1.46%
2024 32.071.454.000 3.57%

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 Xi'an Co.,Ltd. Assets
Year Assets Growth
2005 30.653.264.975
2006 38.342.362.358 20.05%
2007 41.060.281.148 6.62%
2008 51.664.895.299 20.53%
2009 62.646.922.916 17.53%
2010 80.884.064.455 22.55%
2011 102.353.056.698 20.98%
2012 122.049.405.843 16.14%
2013 133.680.296.000 8.7%
2014 151.281.926.000 11.63%
2015 210.023.599.885 27.97%
2016 217.968.047.430 3.64%
2017 234.120.517.669 6.9%
2018 243.490.125.000 3.85%
2019 278.282.722.000 12.5%
2020 306.391.591.000 9.17%
2021 345.863.917.000 11.41%
2022 405.838.548.000 14.78%
2023 426.319.020.000 4.8%
2023 432.442.619.000 1.42%
2024 445.262.317.000 2.88%

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 Xi'an Co.,Ltd. Liabilities
Year Liabilities Growth
2005 29.231.524.256
2006 36.339.165.194 19.56%
2007 39.135.209.292 7.14%
2008 49.834.277.360 21.47%
2009 58.779.896.616 15.22%
2010 76.421.509.266 23.08%
2011 97.107.610.421 21.3%
2012 115.275.233.312 15.76%
2013 125.389.717.000 8.07%
2014 141.455.862.000 11.36%
2015 195.604.719.869 27.68%
2016 201.996.257.364 3.16%
2017 216.405.457.895 6.66%
2018 223.496.030.000 3.17%
2019 73.942.558.000 -202.26%
2020 51.652.032.000 -43.16%
2021 71.053.874.000 27.31%
2022 66.651.940.000 -6.6%
2023 65.562.338.000 -1.66%
2023 401.516.406.000 83.67%
2024 413.190.863.000 2.83%

Bank of Xi'an Co.,Ltd. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
3.26
Net Income per Share
0.55
Price to Earning Ratio
6.87x
Price To Sales Ratio
1.17x
POCF Ratio
6.62
PFCF Ratio
6.77
Price to Book Ratio
0.53
EV to Sales
5.17
EV Over EBITDA
111.32
EV to Operating CashFlow
29.26
EV to FreeCashFlow
29.9
Earnings Yield
0.15
FreeCashFlow Yield
0.15
Market Cap
16,93 Bil.
Enterprise Value
74,81 Bil.
Graham Number
9.48
Graham NetNet
-98.22

Income Statement Metrics

Net Income per Share
0.55
Income Quality
1.04
ROE
0.08
Return On Assets
0.01
Return On Capital Employed
0
Net Income per EBT
1.06
EBT Per Ebit
4.1
Ebit per Revenue
0.04
Effective Tax Rate
-0.06

Margins

Sales, General, & Administrative to Revenue
0.14
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.04
Pretax Profit Margin
0.16
Net Profit Margin
0.17

Dividends

Dividend Yield
0.01
Dividend Yield %
1.47
Payout Ratio
0.48
Dividend Per Share
0.06

Operating Metrics

Operating Cashflow per Share
0.58
Free CashFlow per Share
0.56
Capex to Operating CashFlow
0.02
Capex to Revenue
0
Capex to Depreciation
0.92
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
0.01

Balance Sheet

Cash per Share
-5,25
Book Value per Share
7,22
Tangible Book Value per Share
7.2
Shareholders Equity per Share
7.2
Interest Debt per Share
21.94
Debt to Equity
2.72
Debt to Assets
0.2
Net Debt to EBITDA
86.12
Current Ratio
0.25
Tangible Asset Value
32,01 Bil.
Net Current Asset Value
-331,40 Bil.
Invested Capital
-248028605000
Working Capital
-248,69 Bil.
Intangibles to Total Assets
0
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
5.14

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 Xi'an Co.,Ltd. Dividends
Year Dividends Growth
2019 0
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2024 0 0%

Bank of Xi'an Co.,Ltd. Profile

About Bank of Xi'an Co.,Ltd.

Bank of Xi'an Co.,Ltd., together with its subsidiaries, provides corporate and commercial banking, personal banking, and capital services in China. It operates through Corporate Finance, Personal Financial Business, and Treasury Business segments. The Corporate Finance segment provides corporate loans and advances, trade finance, deposit services, agency services, wealth management services, financial advisory and consulting services, remittance and settlement services, and trust management and guarantee services to corporate customers, government agencies, and financial institutions. The Personal Financial Business segment offers personal loans, deposit services, personal wealth management services, remittance services, and bank card services to individual customers. The Treasury Business segment provides inter-bank lending transactions, repurchase transactions, debt instrument investments and trading, trust investments, and targeted asset management investments in the interbank market. The company operates 179 branches. The company was formerly known as Xi'an City Commercial Bank Co., Ltd. and changed its name to Bank of Xi'an Co.,Ltd. in January 2010. Bank of Xi'an Co.,Ltd. was founded in 1997 and is headquartered in Xi'an, China.

CEO
Mr. Banghai Liang
Employee
3.424
Address
No. 60, Gaoxin Road
Xi'an, 710075

Bank of Xi'an Co.,Ltd. Executives & BODs

Bank of Xi'an Co.,Ltd. Executives & BODs
# Name Age
1 Ms. Xiaoyun Shi
Secretary of the Board of Directors
70
2 Mr. Hao Di
Vice President
70
3 Mr. Hui Guan
Vice President
70
4 Mr. Qiang Liu
Vice President & Director of Organization Department
70
5 Mr. Yong He
Vice President
70
6 Mr. Banghai Liang
President & Executive Director
70
7 Mr. Chengzhe Zhang
Vice President
70
8 Ms. Xing Wang
Assistant to the President
70
9 Yue Cai
Head of Planning & Finance Department
70
10 Mr. Xin Wang
Chief Information Officer, Vice President & Executive Director
70

Bank of Xi'an Co.,Ltd. Competitors