Xiamen Bank Co., Ltd. Logo

Xiamen Bank Co., Ltd.

601187.SS

(3.2)
Stock Price

5,66 CNY

0.62% ROA

9.56% ROE

6.03x PER

Market Cap.

14.779.128.000,00 CNY

628.73% DER

5.54% Yield

20.52% NPM

Xiamen Bank Co., Ltd. Stock Analysis

Xiamen Bank 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.

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

With a remarkably low PBV ratio (0.47x), the stock offers substantial upside potential at a bargain price.

2 Net Profit Growth

Over the last five years, this company's net profit has shown continuous growth, reflecting a robust financial performance and making it an attractive choice for potential investors.

3 Assets Growth

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

4 ROE

The stock's ROE falls within an average range (10.69%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

5 ROA

The stock's ROA (0.73%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

6 Revenue Growth

Over the past three years, this company's revenue has consistently grown, demonstrating a positive financial trend that makes it an appealing choice.

7 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.

8 Dividend Growth

The company's dividend growth has shown a positive trajectory over the past three years, consistently increasing year after year, indicating a favorable trend for potential investors.

9 Dividend

The company has consistently provided dividends over the past three years, indicating a reliable source of income for investors.

10 Buffet Intrinsic Value

Based on Warren Buffett's formula, the company's stock appears undervalued (12), presenting an attractive investment chance with its intrinsic value surpassing the current market price.

11 DER

The stock is burdened with a heavy load of debt (377%), making it financially unstable and potentially risky for investors.

Xiamen Bank 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.

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

Xiamen Bank 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.

Xiamen Bank Co., Ltd. Revenue
Year Revenue Growth
2005 356.891.623
2006 517.531.684 31.04%
2007 462.069.253 -12%
2008 554.776.571 16.71%
2009 382.324.373 -45.11%
2010 566.998.669 32.57%
2011 1.287.640.263 55.97%
2012 1.433.501.963 10.18%
2013 1.538.048.089 6.8%
2014 2.305.003.000 33.27%
2015 3.214.537.000 28.29%
2016 3.617.733.365 11.14%
2017 3.682.919.998 1.77%
2018 4.185.459.411 12.01%
2019 4.511.896.070 7.24%
2020 5.522.198.246 18.3%
2021 5.318.870.922 -3.82%
2022 5.888.777.681 9.68%
2023 5.329.020.000 -10.5%
2023 13.693.935.953 61.08%
2024 13.858.907.084 1.19%

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.

Xiamen Bank Co., Ltd. Research and Development Expenses
Year Research and Development Expenses Growth
2005 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.

Xiamen Bank Co., Ltd. General and Administrative Expenses
Year General and Administrative Expenses Growth
2005 121.212.592
2006 213.009.666 43.1%
2007 317.554.144 32.92%
2008 193.915.606 -63.76%
2009 209.389.739 7.39%
2010 279.076.056 24.97%
2011 527.141.075 47.06%
2012 510.640.459 -3.23%
2013 613.167.878 16.72%
2014 837.670.000 26.8%
2015 937.796.000 10.68%
2016 1.037.635.946 9.62%
2017 1.089.222.051 4.74%
2018 1.157.805.631 5.92%
2019 1.312.199.190 11.77%
2020 1.589.673.000 17.45%
2021 1.836.465.100 13.44%
2022 2.021.659.233 9.16%
2023 2.238.052.000 9.67%
2023 2.220.969.694 -0.77%
2024 2.155.914.632 -3.02%

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.

Xiamen Bank Co., Ltd. EBITDA
Year EBITDA Growth
2005 128.334.058
2006 122.140.912 -5.07%
2007 82.605.592 -47.86%
2008 306.696.914 73.07%
2009 125.125.470 -145.11%
2010 226.691.197 44.8%
2011 575.781.665 60.63%
2012 697.819.684 17.49%
2013 765.430.059 8.83%
2014 1.095.555.986 30.13%
2015 1.454.898.886 24.7%
2016 1.529.253.576 4.86%
2017 1.712.988.688 10.73%
2018 8.134.547.110 78.94%
2019 1.893.661.849 -329.57%
2020 1.988.585.798 4.77%
2021 2.425.943.413 18.03%
2022 10.181.553.047 76.17%
2023 2.594.840.000 -292.38%
2023 24.000.000 -10711.83%
2024 -108.024.168 122.22%

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.

Xiamen Bank Co., Ltd. Gross Profit
Year Gross Profit Growth
2005 356.891.623
2006 517.531.684 31.04%
2007 462.069.253 -12%
2008 554.776.571 16.71%
2009 382.324.373 -45.11%
2010 566.998.669 32.57%
2011 1.287.640.263 55.97%
2012 1.433.501.963 10.18%
2013 1.538.048.089 6.8%
2014 2.305.003.000 33.27%
2015 3.214.537.000 28.29%
2016 3.617.733.365 11.14%
2017 3.682.919.998 1.77%
2018 4.185.459.411 12.01%
2019 4.511.896.070 7.24%
2020 5.522.198.246 18.3%
2021 5.318.870.922 -3.82%
2022 5.888.777.681 9.68%
2023 5.329.020.000 -10.5%
2023 2.664.000.000 -100.04%
2024 13.858.907.084 80.78%

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.

Xiamen Bank Co., Ltd. Net Profit
Year Net Profit Growth
2005 80.260.093
2006 56.371.239 -42.38%
2007 10.114.885 -457.31%
2008 215.115.857 95.3%
2009 63.072.204 -241.06%
2010 136.409.163 53.76%
2011 378.498.206 63.96%
2012 467.381.115 19.02%
2013 519.737.522 10.07%
2014 723.014.000 28.12%
2015 889.996.000 18.76%
2016 1.031.767.576 13.74%
2017 1.215.639.219 15.13%
2018 1.409.181.171 13.73%
2019 1.710.853.732 17.63%
2020 1.822.567.078 6.13%
2021 2.168.597.917 15.96%
2022 2.506.083.052 13.47%
2023 2.540.152.000 1.34%
2023 2.663.871.493 4.64%
2024 1.844.961.436 -44.39%

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.

Xiamen Bank Co., Ltd. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2005 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 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 1 100%
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.

Xiamen Bank Co., Ltd. Free Cashflow
Year Free Cashflow Growth
2005 2.458.705.025
2006 2.412.076.148 -1.93%
2007 1.981.068.758 -21.76%
2008 -688.779.797 387.62%
2009 3.104.852.564 122.18%
2010 7.721.370.169 59.79%
2011 7.175.373.064 -7.61%
2012 9.281.769.286 22.69%
2013 19.139.793.090 51.51%
2014 -798.644.000 2496.54%
2015 25.445.705.000 103.14%
2016 9.830.495.512 -158.84%
2017 -3.004.125.483 427.23%
2018 -36.355.306.407 91.74%
2019 -8.251.768.449 -340.58%
2020 -12.117.086.937 31.9%
2021 -22.288.493.931 45.64%
2022 25.745.389.286 186.57%
2023 4.770.387.794 -439.69%
2023 6.838.740.871 30.24%
2024 3.509.967.111 -94.84%

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.

Xiamen Bank Co., Ltd. Operating Cashflow
Year Operating Cashflow Growth
2005 2.558.070.148
2006 2.448.757.595 -4.46%
2007 2.070.518.731 -18.27%
2008 -653.587.726 416.79%
2009 3.144.207.252 120.79%
2010 7.850.675.243 59.95%
2011 7.242.413.237 -8.4%
2012 9.433.548.900 23.23%
2013 19.364.330.892 51.28%
2014 -630.507.000 3171.23%
2015 25.544.044.000 102.47%
2016 9.902.427.619 -157.96%
2017 -2.911.951.621 440.06%
2018 -36.168.798.756 91.95%
2019 -7.652.601.866 -372.63%
2020 -11.899.806.456 35.69%
2021 -21.957.145.928 45.8%
2022 26.295.655.862 183.5%
2023 5.110.499.609 -414.54%
2023 6.942.999.023 26.39%
2024 3.582.949.329 -93.78%

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.

Xiamen Bank Co., Ltd. Capital Expenditure
Year Capital Expenditure Growth
2005 99.365.122
2006 36.681.446 -170.89%
2007 89.449.973 58.99%
2008 35.192.071 -154.18%
2009 39.354.688 10.58%
2010 129.305.074 69.56%
2011 67.040.173 -92.88%
2012 151.779.614 55.83%
2013 224.537.802 32.4%
2014 168.137.000 -33.54%
2015 98.339.000 -70.98%
2016 71.932.106 -36.71%
2017 92.173.862 21.96%
2018 186.507.651 50.58%
2019 599.166.583 68.87%
2020 217.280.481 -175.76%
2021 331.348.003 34.43%
2022 550.266.576 39.78%
2023 340.111.815 -61.79%
2023 104.258.153 -226.22%
2024 72.982.218 -42.85%

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.

Xiamen Bank Co., Ltd. Equity
Year Equity Growth
2005 385.350.521
2006 434.032.080 11.22%
2007 433.231.206 -0.18%
2008 1.066.214.290 59.37%
2009 1.343.695.491 20.65%
2010 2.045.550.773 34.31%
2011 3.044.411.019 32.81%
2012 4.382.628.610 30.53%
2013 4.687.512.486 6.5%
2014 6.251.684.000 25.02%
2015 8.228.086.000 24.02%
2016 9.255.334.781 11.1%
2017 12.299.325.248 24.75%
2018 13.956.321.475 11.87%
2019 15.572.416.099 10.38%
2020 19.673.629.925 20.85%
2021 23.265.278.389 15.44%
2022 24.743.849.504 5.98%
2023 24.515.842.113 -0.93%
2023 29.874.921.000 17.94%
2024 25.235.265.569 -18.39%

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.

Xiamen Bank Co., Ltd. Assets
Year Assets Growth
2005 12.101.112.670
2006 15.055.076.382 19.62%
2007 17.744.110.196 15.15%
2008 16.538.612.181 -7.29%
2009 28.277.003.376 41.51%
2010 52.895.922.044 46.54%
2011 70.081.233.794 24.52%
2012 91.120.668.829 23.09%
2013 105.756.342.648 13.84%
2014 119.108.824.000 11.21%
2015 160.320.140.000 25.71%
2016 188.972.110.299 15.16%
2017 212.806.898.560 11.2%
2018 232.414.421.597 8.44%
2019 246.867.556.028 5.85%
2020 285.150.280.444 13.43%
2021 329.494.574.405 13.46%
2022 371.208.018.622 11.24%
2023 390.663.859.002 4.98%
2023 378.648.287.000 -3.17%
2024 398.454.505.909 4.97%

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.

Xiamen Bank Co., Ltd. Liabilities
Year Liabilities Growth
2005 11.715.762.148
2006 14.621.044.302 19.87%
2007 17.310.878.990 15.54%
2008 15.472.397.891 -11.88%
2009 26.933.307.885 42.55%
2010 50.850.371.270 47.03%
2011 67.036.822.775 24.15%
2012 86.738.040.218 22.71%
2013 101.068.830.161 14.18%
2014 112.857.140.000 10.45%
2015 152.092.054.000 25.8%
2016 179.716.775.518 15.37%
2017 200.507.573.311 10.37%
2018 218.458.100.121 8.22%
2019 59.491.463.975 -267.21%
2020 68.451.365.168 13.09%
2021 79.453.115.697 13.85%
2022 88.900.765.080 10.63%
2023 366.148.016.888 75.72%
2023 110.395.933.000 -231.67%
2024 373.219.240.338 70.42%

Xiamen Bank Co., Ltd. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
4.52
Net Income per Share
0.93
Price to Earning Ratio
6.03x
Price To Sales Ratio
1.24x
POCF Ratio
0.68
PFCF Ratio
0.69
Price to Book Ratio
0.6
EV to Sales
9.82
EV Over EBITDA
108.63
EV to Operating CashFlow
5.38
EV to FreeCashFlow
5.45
Earnings Yield
0.17
FreeCashFlow Yield
1.46
Market Cap
14,78 Bil.
Enterprise Value
117,23 Bil.
Graham Number
13.94
Graham NetNet
-151.64

Income Statement Metrics

Net Income per Share
0.93
Income Quality
8.9
ROE
0.1
Return On Assets
0.01
Return On Capital Employed
0
Net Income per EBT
1.06
EBT Per Ebit
2.5
Ebit per Revenue
0.08
Effective Tax Rate
-0.1

Margins

Sales, General, & Administrative to Revenue
0.19
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.08
Pretax Profit Margin
0.19
Net Profit Margin
0.21

Dividends

Dividend Yield
0.06
Dividend Yield %
5.54
Payout Ratio
0.39
Dividend Per Share
0.31

Operating Metrics

Operating Cashflow per Share
8.26
Free CashFlow per Share
8.15
Capex to Operating CashFlow
0.01
Capex to Revenue
0.02
Capex to Depreciation
2.23
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
0.1

Balance Sheet

Cash per Share
-10,22
Book Value per Share
9,56
Tangible Book Value per Share
9.36
Shareholders Equity per Share
9.31
Interest Debt per Share
61.73
Debt to Equity
6.29
Debt to Assets
0.39
Net Debt to EBITDA
94.93
Current Ratio
0.44
Tangible Asset Value
24,70 Bil.
Net Current Asset Value
-291,97 Bil.
Invested Capital
-99700191650
Working Capital
-101,83 Bil.
Intangibles to Total Assets
0
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
10.45

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.

Xiamen Bank Co., Ltd. Dividends
Year Dividends Growth
2021 0
2022 0 0%
2023 0 0%
2024 0 0%

Xiamen Bank Co., Ltd. Profile

About Xiamen Bank Co., Ltd.

Xiamen Bank Co., Ltd. provides various banking products and services to individuals, corporate customers, and small and micro finance businesses. It offers personal savings products, personal loans, investment and financial management products, bank cards, and convenience finance services; cash management, international business, investment banking, intermediate business, and investment banking services, as well as corporate deposits and loans; and financing solutions for emerging and small businesses. The company also provides financial market services, including precious metal, bond, foreign exchange and derivative, bill collection and clearance, inter-bank, and franchise business services; and online and mobile banking services. It has branches in Chongqing and Fujian Province. The company was founded in 1996 and is based in Xiamen, China.

CEO
Mr. Xinhao Wu
Employee
3.814
Address
Commercial Bank Building
Xiamen, 361012

Xiamen Bank Co., Ltd. Executives & BODs

Xiamen Bank Co., Ltd. Executives & BODs
# Name Age
1 Mr. Tonghua Xie
Vice President, Secretary & Chief Risk Officer
70
2 Mr. Junmeng Huang
Assistant to President
70
3 Mr. Xinhao Wu
President & Director
70
4 Mr. Chengman Zheng
Vice President & Chief Information Officer
70
5 Ms. Rongrong Chen
Chief Financial Officer, Vice President & Secretary of the Board
70
6 Mr. Dixiang Zhou
Assistant to the President
70
7 Mr. Zhaohui Li
Vice President
70
8 Mr. Ming Du
Head of Accounting
70
9 Mr. Yongbin Liu
Vice President
70
10 Mr. Haibo Zhuang
Vice President
70

Xiamen Bank Co., Ltd. Competitors