Zhejiang Shaoxing RuiFeng Rural Commercial Bank Co.,Ltd Logo

Zhejiang Shaoxing RuiFeng Rural Commercial Bank Co.,Ltd

601528.SS

(3.5)
Stock Price

5,65 CNY

0.87% ROA

10.95% ROE

5.92x PER

Market Cap.

11.046.960.800,00 CNY

47.53% DER

3.2% Yield

29.65% NPM

Zhejiang Shaoxing RuiFeng Rural Commercial Bank Co.,Ltd Stock Analysis

Zhejiang Shaoxing RuiFeng Rural Commercial 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.

Zhejiang Shaoxing RuiFeng Rural Commercial Bank Co.,Ltd Fundamental Stock Analysis
# Analysis Rating
1 PBV

The stock's low PBV ratio (0.62x) suggests it's undervalued, making it an attractive opportunity for investors.

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

This company's net profit has consistently grown over the last five years, indicating a strong financial performance and making it an attractive investment opportunity.

4 Assets Growth

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

5 ROE

ROE in an average range (11.06%) suggests satisfactory profitability and decent utilization of shareholders' equity.

6 ROA

The stock's ROA (0.89%) 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.

7 DER

The stock maintains a fair debt to equity ratio (67%), indicating a reasonable balance between the money it owes and the ownership it possesses.

8 Graham Number

The Graham number analysis indicates that this company's stock price is likely undervalued, raising prospects for a favorable investment opportunity.

9 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.

10 Buffet Intrinsic Value

The company's stock seems undervalued (9) by Warren Buffett's formula, indicating a promising investment opportunity as its intrinsic value exceeds the market price.

11 Dividend

The company's lack of dividends in the past three years may concern investors seeking regular income.

Zhejiang Shaoxing RuiFeng Rural Commercial 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.

Zhejiang Shaoxing RuiFeng Rural Commercial Bank Co.,Ltd Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Sell
2 MACD Buy
3 RSI Hold
4 Stoch RSI Hold

Zhejiang Shaoxing RuiFeng Rural Commercial 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.

Zhejiang Shaoxing RuiFeng Rural Commercial Bank Co.,Ltd Revenue
Year Revenue Growth
2010 1.446.388.074
2011 1.709.550.180 15.39%
2012 2.044.960.307 16.4%
2013 2.141.076.572 4.49%
2014 2.342.649.000 8.6%
2015 2.336.151.299 -0.28%
2016 2.484.824.665 5.98%
2017 2.212.417.858 -12.31%
2018 2.546.754.421 13.13%
2019 2.860.398.248 10.97%
2020 3.008.438.856 4.92%
2021 3.310.144.000 9.11%
2022 3.518.250.000 5.92%
2023 3.982.992.000 11.67%
2023 7.608.462.000 47.65%
2024 4.379.920.000 -73.71%

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.

Zhejiang Shaoxing RuiFeng Rural Commercial Bank Co.,Ltd Research and Development Expenses
Year Research and Development Expenses Growth
2010 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.

Zhejiang Shaoxing RuiFeng Rural Commercial Bank Co.,Ltd General and Administrative Expenses
Year General and Administrative Expenses Growth
2010 330.665.484
2011 441.121.275 25.04%
2012 506.575.476 12.92%
2013 612.280.398 17.26%
2014 669.500.000 8.55%
2015 736.523.220 9.1%
2016 814.758.224 9.6%
2017 798.585.789 -2.03%
2018 806.822.541 1.02%
2019 928.687.326 13.12%
2020 987.419.129 5.95%
2021 1.066.302.000 7.4%
2022 1.173.290.000 9.12%
2023 1.142.488.000 -2.7%
2023 1.319.392.000 13.41%
2024 1.082.012.000 -21.94%

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.

Zhejiang Shaoxing RuiFeng Rural Commercial Bank Co.,Ltd EBITDA
Year EBITDA Growth
2010 1.607.501.572
2011 2.017.833.791 20.34%
2012 2.444.527.959 17.46%
2013 2.521.275.938 3.04%
2014 2.701.116.000 6.66%
2015 3.055.788.121 11.61%
2016 3.370.380.378 9.33%
2017 3.705.167.962 9.04%
2018 3.538.884.611 -4.7%
2019 1.197.597.553 -195.5%
2020 1.242.194.028 3.59%
2021 1.438.669.000 13.66%
2022 4.834.819.000 70.24%
2023 2.152.216.000 -124.64%
2023 194.399.000 -1007.11%
2024 350.576.000 44.55%

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.

Zhejiang Shaoxing RuiFeng Rural Commercial Bank Co.,Ltd Gross Profit
Year Gross Profit Growth
2010 1.446.388.074
2011 1.709.550.180 15.39%
2012 2.044.960.307 16.4%
2013 2.141.076.572 4.49%
2014 2.342.649.000 8.6%
2015 2.336.151.299 -0.28%
2016 2.484.824.665 5.98%
2017 2.212.417.858 -12.31%
2018 2.546.754.421 13.13%
2019 2.860.398.248 10.97%
2020 3.008.438.856 4.92%
2021 3.310.144.000 9.11%
2022 3.518.250.000 5.92%
2023 3.982.992.000 11.67%
2023 7.608.462.000 47.65%
2024 5.881.808.000 -29.36%

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.

Zhejiang Shaoxing RuiFeng Rural Commercial Bank Co.,Ltd Net Profit
Year Net Profit Growth
2010 716.863.194
2011 796.806.255 10.03%
2012 956.394.695 16.69%
2013 958.950.240 0.27%
2014 748.314.000 -28.15%
2015 734.056.406 -1.94%
2016 790.124.860 7.1%
2017 802.535.516 1.55%
2018 963.792.532 16.73%
2019 1.038.056.001 7.15%
2020 1.104.533.000 6.02%
2021 1.271.132.000 13.11%
2022 1.527.864.000 16.8%
2023 2.111.932.000 27.66%
2023 1.727.121.000 -22.28%
2024 1.779.468.000 2.94%

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.

Zhejiang Shaoxing RuiFeng Rural Commercial Bank Co.,Ltd Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2010 1
2011 1 0%
2012 1 0%
2013 1 0%
2014 1 0%
2015 0 0%
2016 0 0%
2017 1 0%
2018 1 0%
2019 1 0%
2020 1 0%
2021 1 0%
2022 1 0%
2023 1 100%
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.

Zhejiang Shaoxing RuiFeng Rural Commercial Bank Co.,Ltd Free Cashflow
Year Free Cashflow Growth
2010 -279.537.286
2011 1.716.121.283 116.29%
2012 4.197.329.729 59.11%
2013 2.077.748.638 -102.01%
2014 6.163.535.000 66.29%
2015 10.870.302.586 43.3%
2016 6.320.490.427 -71.99%
2017 -2.643.653.255 339.08%
2018 -4.430.445.007 40.33%
2019 5.126.521.146 186.42%
2020 12.187.582.317 57.94%
2021 -398.471.000 3158.59%
2022 3.077.223.000 112.95%
2023 3.300.994.000 6.78%
2023 -2.483.867.000 232.9%
2024 5.443.126.000 145.63%

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.

Zhejiang Shaoxing RuiFeng Rural Commercial Bank Co.,Ltd Operating Cashflow
Year Operating Cashflow Growth
2010 -185.398.769
2011 1.928.581.869 109.61%
2012 4.404.904.819 56.22%
2013 2.278.895.102 -93.29%
2014 6.279.061.000 63.71%
2015 10.949.545.730 42.65%
2016 6.506.526.945 -68.29%
2017 -2.503.545.934 359.89%
2018 -4.209.771.751 40.53%
2019 5.396.266.537 178.01%
2020 12.460.270.191 56.69%
2021 -187.080.000 6760.4%
2022 3.161.127.000 105.92%
2023 3.355.613.000 5.8%
2023 -2.469.342.000 235.89%
2024 5.420.814.000 145.55%

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.

Zhejiang Shaoxing RuiFeng Rural Commercial Bank Co.,Ltd Capital Expenditure
Year Capital Expenditure Growth
2010 94.138.516
2011 212.460.586 55.69%
2012 207.575.090 -2.35%
2013 201.146.463 -3.2%
2014 115.526.000 -74.11%
2015 79.243.143 -45.79%
2016 186.036.517 57.4%
2017 140.107.321 -32.78%
2018 220.673.256 36.51%
2019 269.745.390 18.19%
2020 272.687.874 1.08%
2021 211.391.000 -29%
2022 83.904.000 -151.94%
2023 54.619.000 -53.62%
2023 14.525.000 -276.03%
2024 -22.312.000 165.1%

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.

Zhejiang Shaoxing RuiFeng Rural Commercial Bank Co.,Ltd Equity
Year Equity Growth
2010 3.580.260.252
2011 4.337.414.512 17.46%
2012 5.202.413.502 16.63%
2013 5.974.348.110 12.92%
2014 6.806.902.000 12.23%
2015 7.457.772.181 8.73%
2016 7.934.572.285 6.01%
2017 8.552.339.333 7.22%
2018 9.609.317.032 11%
2019 10.449.548.424 8.04%
2020 11.253.316.012 7.14%
2021 13.816.096.000 18.55%
2022 15.175.799.000 8.96%
2023 16.870.028.000 10.04%
2023 16.316.573.000 -3.39%
2024 17.646.440.000 7.54%

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.

Zhejiang Shaoxing RuiFeng Rural Commercial Bank Co.,Ltd Assets
Year Assets Growth
2010 42.503.590.223
2011 51.348.240.550 17.22%
2012 56.112.328.988 8.49%
2013 61.466.224.605 8.71%
2014 74.780.770.000 17.8%
2015 88.082.084.300 15.1%
2016 109.500.750.862 19.56%
2017 106.914.755.516 -2.42%
2018 104.977.988.605 -1.84%
2019 109.919.035.538 4.5%
2020 129.516.172.027 15.13%
2021 136.867.516.000 5.37%
2022 159.622.748.000 14.26%
2023 196.888.465.000 18.93%
2023 192.304.009.000 -2.38%
2024 210.394.834.000 8.6%

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.

Zhejiang Shaoxing RuiFeng Rural Commercial Bank Co.,Ltd Liabilities
Year Liabilities Growth
2010 38.923.329.970
2011 47.010.826.037 17.2%
2012 50.909.915.486 7.66%
2013 55.491.876.494 8.26%
2014 67.973.868.000 18.36%
2015 80.624.312.118 15.69%
2016 101.566.178.577 20.62%
2017 98.362.416.182 -3.26%
2018 95.368.671.573 -3.14%
2019 11.131.866.696 -756.72%
2020 9.290.780.881 -19.82%
2021 6.296.400.000 -47.56%
2022 7.047.100.000 10.65%
2023 180.018.437.000 96.09%
2023 10.698.960.000 -1582.58%
2024 8.269.683.000 -29.38%

Zhejiang Shaoxing RuiFeng Rural Commercial Bank Co.,Ltd Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
3.21
Net Income per Share
0.95
Price to Earning Ratio
5.92x
Price To Sales Ratio
1.78x
POCF Ratio
1.37
PFCF Ratio
1.4
Price to Book Ratio
0.63
EV to Sales
0.03
EV Over EBITDA
0.22
EV to Operating CashFlow
0.02
EV to FreeCashFlow
0.02
Earnings Yield
0.17
FreeCashFlow Yield
0.71
Market Cap
11,05 Bil.
Enterprise Value
0,16 Bil.
Graham Number
13.89
Graham NetNet
5.63

Income Statement Metrics

Net Income per Share
0.95
Income Quality
4.31
ROE
0.11
Return On Assets
0.01
Return On Capital Employed
0.01
Net Income per EBT
1.02
EBT Per Ebit
1.38
Ebit per Revenue
0.21
Effective Tax Rate
-0.01

Margins

Sales, General, & Administrative to Revenue
0.21
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
0.83
Operating Profit Margin
0.21
Pretax Profit Margin
0.29
Net Profit Margin
0.3

Dividends

Dividend Yield
0.03
Dividend Yield %
3.2
Payout Ratio
0.34
Dividend Per Share
0.18

Operating Metrics

Operating Cashflow per Share
4.1
Free CashFlow per Share
4.07
Capex to Operating CashFlow
0.01
Capex to Revenue
0.01
Capex to Depreciation
-2.74
Return on Invested Capital
0.05
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
0.03

Balance Sheet

Cash per Share
9,91
Book Value per Share
104,59
Tangible Book Value per Share
104.53
Shareholders Equity per Share
9
Interest Debt per Share
6.4
Debt to Equity
0.48
Debt to Assets
0.04
Net Debt to EBITDA
-15.17
Current Ratio
0
Tangible Asset Value
202,01 Bil.
Net Current Asset Value
10,89 Bil.
Invested Capital
20676316000
Working Capital
19,16 Bil.
Intangibles to Total Assets
0
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
0.75

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.

Zhejiang Shaoxing RuiFeng Rural Commercial Bank Co.,Ltd Dividends
Year Dividends Growth
2022 0
2023 0 0%
2024 0 0%

Zhejiang Shaoxing RuiFeng Rural Commercial Bank Co.,Ltd Profile

About Zhejiang Shaoxing RuiFeng Rural Commercial Bank Co.,Ltd

Zhejiang Shaoxing RuiFeng Rural Commercial Bank Co.,Ltd provides commercial banking products and services in China. It offers personal wealth products and services that cover financial products, precious metals, funds, insurance products, and asset management products; savings, demand, time, structured, and notice deposit products, as well as certificate of deposit; personal, business, consumer, mortgage, operating, and e-flash loans; credit and debit cards, gold and platinum cards, and cards with VIP privileges; and mobile and online banking services. The company also offers financial management products and services; settlement products and services comprising collection and commitment, receiving payments from other places, electronic exchange, bank drafts, entrusted collection in the same city, transfer check, and promissory notes; and products and services that cover cross-border RMB settlement, domestic guarantee and foreign loans, import collection, import issuance, export documentary collection, L/C review/negotiation, letter of credit notice, foreign exchange remittance, export order financing, foreign exchange loans, import and export double factoring, letter of credit confirmation, import payment, bill of lading endorsement, delivery guarantee, import bills, short-term export credit insurance financing, export invoice financing, forfaiting, export discount and bills, package loans under export letter of credit, false forward letter of credit, loan pay, spot foreign exchange settlement and sale, and foreign exchange deposits. It operates through 26 branches and 79 branch offices, and 105 outlets. The company was founded in 1987 and is based in Shaoxing, China.

CEO
Mr. Gangliang Chen
Employee
2.271
Address
1363, Diyang Road
Shaoxing, 312030

Zhejiang Shaoxing RuiFeng Rural Commercial Bank Co.,Ltd Executives & BODs

Zhejiang Shaoxing RuiFeng Rural Commercial Bank Co.,Ltd Executives & BODs
# Name Age
1 Mr. Guang Min Yu
Employee Supervisor
70
2 Mr. Gangliang Chen
President & Director
70
3 Ms. Xiaojun Qin
Vice President & Director
70
4 Mr. Guoli Yan
Vice President & Director
70
5 Mr. Guang Wei Wu
Secretary of Board of Directors
70

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