QILU BANK CO., LTD. Logo

QILU BANK CO., LTD.

601665.SS

(3.5)
Stock Price

5,30 CNY

0.71% ROA

12.87% ROE

5.6x PER

Market Cap.

25.625.394.000,00 CNY

483.86% DER

4.15% Yield

22.2% NPM

QILU BANK CO., LTD. Stock Analysis

QILU 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.

QILU BANK CO., LTD. Fundamental Stock Analysis
# Analysis Rating
1 PBV

With a remarkably low PBV ratio (0.52x), the stock offers substantial upside potential at a bargain price.

2 Revenue 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 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.

4 Assets Growth

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

5 Graham Number

The Graham number of this company suggests that its stock price may be undervalued, indicating a potentially attractive investment opportunity.

6 Dividend Growth

Investors can be encouraged by the company's strong dividend growth over the past three years, highlighting its ability to generate consistent returns and provide an attractive investment opportunity.

7 Dividend

Investors can rely on the company's consistent dividend payments over the past three years, offering a steady stream of returns.

8 Buffet Intrinsic Value

Based on Warren Buffett's formula, the company's stock appears undervalued (9), presenting an attractive investment chance with its intrinsic value surpassing the current market price.

9 ROE

ROE in an average range (10.96%) suggests satisfactory profitability and decent utilization of shareholders' equity.

10 ROA

The stock's ROA (0.7%) 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.

11 DER

The company has a high debt to equity ratio (122%), which means it owes a lot of money compared to what it actually owns, making it financially risky.

QILU 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.

QILU BANK CO., LTD. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Buy
3 RSI Hold
4 Stoch RSI Hold

QILU 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.

QILU BANK CO., LTD. Revenue
Year Revenue Growth
2004 1.000.318.000
2005 1.198.950.000 16.57%
2006 1.507.957.000 20.49%
2007 2.094.899.000 28.02%
2008 1.908.855.411 -9.75%
2009 1.859.501.105 -2.65%
2010 2.288.426.444 18.74%
2011 2.091.980.791 -9.39%
2012 2.444.728.236 14.43%
2013 2.737.538.712 10.7%
2014 3.426.809.121 20.11%
2015 4.141.629.563 17.26%
2016 5.046.078.000 17.92%
2017 5.334.317.000 5.4%
2018 6.127.133.000 12.94%
2019 7.194.766.000 14.84%
2020 7.849.607.000 8.34%
2021 9.658.030.000 18.72%
2022 10.944.737.000 11.76%
2023 11.952.904.000 8.43%
2023 22.328.733.000 46.47%
2024 24.284.588.000 8.05%

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.

QILU BANK 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.

QILU BANK CO., LTD. General and Administrative Expenses
Year General and Administrative Expenses Growth
2004 202.422.000
2005 243.740.000 16.95%
2006 293.536.000 16.96%
2007 355.764.000 17.49%
2008 533.525.613 33.32%
2009 613.262.870 13%
2010 798.119.029 23.16%
2011 923.099.923 13.54%
2012 918.619.935 -0.49%
2013 1.017.975.980 9.76%
2014 1.186.159.603 14.18%
2015 1.513.723.008 21.64%
2016 1.591.409.000 4.88%
2017 1.688.300.000 5.74%
2018 2.003.435.000 15.73%
2019 2.170.095.000 7.68%
2020 2.276.947.000 4.69%
2021 2.660.087.000 14.4%
2022 2.916.846.000 8.8%
2023 3.073.520.000 5.1%
2023 3.145.600.000 2.29%
2024 3.090.612.000 -1.78%

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.

QILU BANK CO., LTD. EBITDA
Year EBITDA Growth
2004 259.405.000
2005 525.151.000 50.6%
2006 612.424.000 14.25%
2007 840.794.000 27.16%
2008 1.519.321.954 44.66%
2009 1.698.848.842 10.57%
2010 1.647.424.135 -3.12%
2011 2.992.939.629 44.96%
2012 2.905.365.578 -3.01%
2013 3.184.688.401 8.77%
2014 3.913.922.880 18.63%
2015 4.539.219.100 13.78%
2016 5.212.831.000 12.92%
2017 7.014.345.000 25.68%
2018 8.243.859.000 14.91%
2019 2.821.018.000 -192.23%
2020 3.007.914.000 6.21%
2021 3.581.153.000 16.01%
2022 13.556.261.000 73.58%
2023 4.056.624.000 -234.18%
2023 -9.150.000 44434.69%
2024 664.896.000 101.38%

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.

QILU BANK CO., LTD. Gross Profit
Year Gross Profit Growth
2004 1.000.318.000
2005 1.198.950.000 16.57%
2006 1.507.957.000 20.49%
2007 2.094.899.000 28.02%
2008 1.908.855.411 -9.75%
2009 1.859.501.105 -2.65%
2010 2.288.426.444 18.74%
2011 2.091.980.791 -9.39%
2012 2.444.728.236 14.43%
2013 2.737.538.712 10.7%
2014 3.426.809.121 20.11%
2015 4.141.629.563 17.26%
2016 5.046.078.000 17.92%
2017 5.334.317.000 5.4%
2018 6.127.133.000 12.94%
2019 7.194.766.000 14.84%
2020 7.849.607.000 8.34%
2021 9.658.030.000 18.72%
2022 10.944.737.000 11.76%
2023 11.952.904.000 8.43%
2023 11.951.862.000 -0.01%
2024 24.284.588.000 50.78%

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.

QILU BANK CO., LTD. Net Profit
Year Net Profit Growth
2004 50.495.000
2005 68.172.000 25.93%
2006 142.739.000 52.24%
2007 239.179.000 40.32%
2008 351.141.699 31.89%
2009 489.455.948 28.26%
2010 333.382.291 -46.82%
2011 789.497.508 57.77%
2012 861.465.567 8.35%
2013 1.009.038.305 14.63%
2014 1.090.063.379 7.43%
2015 1.186.975.001 8.16%
2016 1.641.929.000 27.71%
2017 2.014.857.000 18.51%
2018 2.152.390.000 6.39%
2019 2.337.748.000 7.93%
2020 2.518.797.000 7.19%
2021 3.035.644.000 17.03%
2022 3.587.370.000 15.38%
2023 3.722.104.000 3.62%
2023 4.233.751.000 12.08%
2024 4.678.916.000 9.51%

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.

QILU BANK CO., LTD. Earning per Share (EPS)
Year Earning per Share (EPS) 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 1 0%
2017 1 0%
2018 1 0%
2019 1 0%
2020 1 0%
2021 1 0%
2022 1 0%
2023 0 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.

QILU BANK CO., LTD. Free Cashflow
Year Free Cashflow Growth
2005 1.001.367.000
2006 409.256.000 -144.68%
2007 1.497.418.000 72.67%
2008 6.168.889.795 75.73%
2009 189.634.330 -3153.04%
2010 13.565.813.484 98.6%
2011 -8.209.911.212 265.24%
2012 768.289.703 1168.6%
2013 1.757.987.653 56.3%
2014 17.694.690.372 90.06%
2015 19.355.508.325 8.58%
2016 15.872.537.000 -21.94%
2017 5.077.565.000 -212.6%
2018 7.815.415.000 35.03%
2019 9.594.231.000 18.54%
2020 17.585.324.000 45.44%
2021 28.303.678.000 37.87%
2022 27.622.948.000 -2.46%
2023 7.269.263.000 -280%
2023 3.049.053.000 -138.41%
2024 40.812.008.000 92.53%

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.

QILU BANK CO., LTD. Operating Cashflow
Year Operating Cashflow Growth
2005 1.137.259.000
2006 567.525.000 -100.39%
2007 1.581.639.000 64.12%
2008 6.273.699.058 74.79%
2009 273.271.247 -2195.78%
2010 13.677.867.939 98%
2011 -8.131.979.062 268.2%
2012 841.204.869 1066.71%
2013 1.855.775.092 54.67%
2014 17.954.602.730 89.66%
2015 19.531.155.587 8.07%
2016 16.129.094.000 -21.09%
2017 5.346.977.000 -201.65%
2018 8.009.865.000 33.25%
2019 9.871.519.000 18.86%
2020 17.941.374.000 44.98%
2021 28.531.016.000 37.12%
2022 27.816.168.000 -2.57%
2023 7.547.377.000 -268.55%
2023 3.099.303.000 -143.52%
2024 40.881.740.000 92.42%

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.

QILU BANK CO., LTD. Capital Expenditure
Year Capital Expenditure Growth
2005 135.892.000
2006 158.269.000 14.14%
2007 84.221.000 -87.92%
2008 104.809.263 19.64%
2009 83.636.917 -25.31%
2010 112.054.455 25.36%
2011 77.932.150 -43.78%
2012 72.915.166 -6.88%
2013 97.787.439 25.44%
2014 259.912.358 62.38%
2015 175.647.262 -47.97%
2016 256.557.000 31.54%
2017 269.412.000 4.77%
2018 194.450.000 -38.55%
2019 277.288.000 29.87%
2020 356.050.000 22.12%
2021 227.338.000 -56.62%
2022 193.220.000 -17.66%
2023 278.114.000 30.52%
2023 50.250.000 -453.46%
2024 69.732.000 27.94%

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.

QILU BANK CO., LTD. Equity
Year Equity Growth
2004 1.293.176.000
2005 1.357.299.000 4.72%
2006 1.849.133.000 26.6%
2007 1.995.937.000 7.36%
2008 2.670.548.634 25.26%
2009 2.814.639.957 5.12%
2010 3.626.262.101 22.38%
2011 4.401.377.146 17.61%
2012 5.327.536.053 17.38%
2013 6.001.598.563 11.23%
2014 7.223.803.042 16.92%
2015 10.051.516.419 28.13%
2016 12.878.613.000 21.95%
2017 18.435.420.000 30.14%
2018 20.877.138.000 11.7%
2019 22.656.388.000 7.85%
2020 27.298.665.000 17.01%
2021 32.604.776.000 16.27%
2022 35.589.185.000 8.39%
2023 33.640.076.999 -5.79%
2023 37.775.642.000 10.95%
2024 36.129.280.000 -4.56%

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.

QILU BANK CO., LTD. Assets
Year Assets Growth
2004 23.524.760.000
2005 25.123.679.000 6.36%
2006 32.408.597.000 22.48%
2007 37.841.189.000 14.36%
2008 49.544.576.773 23.62%
2009 61.788.855.269 19.82%
2010 85.805.774.569 27.99%
2011 77.279.390.875 -11.03%
2012 83.679.664.705 7.65%
2013 94.003.628.220 10.98%
2014 122.881.290.798 23.5%
2015 152.881.492.371 19.62%
2016 207.167.871.000 26.2%
2017 236.295.240.000 12.33%
2018 265.737.063.000 11.08%
2019 307.520.304.000 13.59%
2020 360.232.214.000 14.63%
2021 433.413.706.000 16.88%
2022 506.013.306.000 14.35%
2023 604.815.988.000 16.34%
2023 568.490.652.000 -6.39%
2024 647.543.775.000 12.21%

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.

QILU BANK CO., LTD. Liabilities
Year Liabilities Growth
2004 22.231.584.000
2005 83.478.000 -26531.67%
2006 110.027.000 24.13%
2007 35.845.252.000 99.69%
2008 270.978.779 -13128.07%
2009 58.974.215.312 99.54%
2010 82.179.512.468 28.24%
2011 72.878.013.729 -12.76%
2012 78.352.128.652 6.99%
2013 88.002.029.657 10.97%
2014 115.657.487.756 23.91%
2015 142.829.975.952 19.02%
2016 19.228.122.000 -642.82%
2017 23.764.395.000 19.09%
2018 244.859.925.000 90.29%
2019 39.309.353.000 -522.9%
2020 39.960.486.000 1.63%
2021 42.140.400.000 5.17%
2022 46.536.884.000 9.45%
2023 571.175.911.000 91.85%
2023 45.720.933.000 -1149.27%
2024 611.414.495.000 92.52%

QILU BANK CO., LTD. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
4.26
Net Income per Share
0.95
Price to Earning Ratio
5.6x
Price To Sales Ratio
1.24x
POCF Ratio
0.3
PFCF Ratio
0.3
Price to Book Ratio
0.71
EV to Sales
7.59
EV Over EBITDA
128.27
EV to Operating CashFlow
1.83
EV to FreeCashFlow
1.83
Earnings Yield
0.18
FreeCashFlow Yield
3.33
Market Cap
25,63 Bil.
Enterprise Value
156,35 Bil.
Graham Number
12.57
Graham NetNet
-134.28

Income Statement Metrics

Net Income per Share
0.95
Income Quality
18.72
ROE
0.13
Return On Assets
0.01
Return On Capital Employed
0.01
Net Income per EBT
0.99
EBT Per Ebit
1.91
Ebit per Revenue
0.12
Effective Tax Rate
0.03

Margins

Sales, General, & Administrative to Revenue
0.16
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1.03
Operating Profit Margin
0.12
Pretax Profit Margin
0.23
Net Profit Margin
0.22

Dividends

Dividend Yield
0.04
Dividend Yield %
4.15
Payout Ratio
0.37
Dividend Per Share
0.22

Operating Metrics

Operating Cashflow per Share
17.71
Free CashFlow per Share
17.66
Capex to Operating CashFlow
0
Capex to Revenue
0.01
Capex to Depreciation
1.63
Return on Invested Capital
0.01
Return on Tangible Assets
0.01
Days Sales Outstanding
0
Days Payables Outstanding
-40.61
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
-8.99
Inventory Turnover
0
Capex per Share
0.05

Balance Sheet

Cash per Share
-7,82
Book Value per Share
7,47
Tangible Book Value per Share
7.47
Shareholders Equity per Share
7.42
Interest Debt per Share
38.28
Debt to Equity
4.84
Debt to Assets
0.27
Net Debt to EBITDA
107.25
Current Ratio
0.31
Tangible Asset Value
36,11 Bil.
Net Current Asset Value
-521,13 Bil.
Invested Capital
-194554384000
Working Capital
-197,06 Bil.
Intangibles to Total Assets
0
Average Receivables
0,00 Bil.
Average Payables
0,04 Bil.
Average Inventory
0
Debt to Market Cap
6.77

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.

QILU BANK CO., LTD. Dividends
Year Dividends Growth
2021 0
2022 0 0%
2023 0 0%
2024 0 0%

QILU BANK CO., LTD. Profile

About QILU BANK CO., LTD.

QILU BANK CO., LTD. provides personal and corporate banking services in the People's Republic of China. The company offers personal savings products, including deposits and withdrawals; personal demand, savings, and education savings deposits; personal, housing mortgage, consumer credit, home and home improvement, parking, salary, and other loans; wealth management services; credit cards; and insurance products. It also provides corporate deposits; and corporate financing; supply chain financing; cash management; and investment banking products and services. In addition, the company offers international banking products and services, such as foreign exchange funds, accounts, deposits, and guarantees; trade financing; remittance route; international settlement services; commercial acceptance bills bonding/guarantee services; and Internet banking services. Further, it is involved in bills discounting and execution, interbank lending and investment, bond investment and spot bond trading, and foreign exchange and derivatives trading activities. The company was formerly known as Jinan City Commercial Bank Co., Ltd and changed its name to QILU BANK CO., LTD. on June 6, 2009. QILU BANK CO., LTD. was founded in 1996 and is based in Jinan, the People's Republic of China.

CEO
Mr. Zugang Zheng
Employee
5.344
Address
No. 176, Shunhe Street
Jinan, 250001

QILU BANK CO., LTD. Executives & BODs

QILU BANK CO., LTD. Executives & BODs
# Name Age
1 Mr. Wenzhe Tao
Vice President
70
2 Mr. Gang Wu
Assistant to the President
70
3 Mr. Zugang Zheng
Executive Chairman
70
4 Mr. Xuchun Wu
Chief Information Officer
70
5 Mr. Yongsheng Gao
Chief Financial Officer
70
6 Mr. Jinliang Hu
Secretary & Executive Director
70
7 Ms. Ping Ge
Vice President & Director
70
8 Mr. Hua Zhang
Vice Chairman & President
70
9 Mr. Zhenshui Liu
Assistant to the President
70

QILU BANK CO., LTD. Competitors