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Chongqing Rural Commercial Bank Co., Ltd. (3618) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated 1d ago

Chongqing Rural Commercial Bank Co., Ltd.

3618Market cap $11BPrice $0.8

Country🇨🇳China

SectorFinancials

IndustryBanks

Provides banking and financial services across Chongqing, serving millions of rural and urban customers. It's one of China's largest rural commercial banks, bridging agricultural communities with modern finance through deposits, loans, and wealth management products.

In Bastion Portfolios?

52W Return-3%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)+3%–

Revenue Forecast

Rev CAGR (1y)na–

Rev CAGR (3y)+16%–

Rev CAGR (5y)+10%8

Earnings Forecast

EPS Growth Y+1-7%3

EPS Growth Y+2+12%7

EPS Growth Y+3+12%7

Quality

Margins

EBIT Margin0%4

Net Income Margin52%10

Free Cash Flow Margin-244%1

Debt

Net Debt/EBITDAna–

Efficiency

ROE9%4

ROA1%2

Earnings Stability55

GEAR+

Not enough data to calculate the GEAR+ rating.

Value

Price Multiples

P/E Ratio (Forward)510

P/E Ratio (Forward 3y)510

P/BV0.510

EV Multiples

EV/EBITDA Fwd010

EV/EBIT Fwd010

Yield

Free Cash Flow Yield0.0%10

Dividend Yieldna–

Momentum

Short term

1 month return-2%7

3 month return+3%7

YTD return+8%6

Mid term

Price vs 52wHigh88%7

1 year return+15%6

Long term

3 year return+179%9

5 year return+241%9

Risk Shield

Price Risk

Beta0.29

Volatility26%8

Free Cash Flow

Free Cash Flow Margin-244%1

Free Cash Flow Yield0.0%10

Quality

ROCE9%2

Earnings Stability55

Net Debt/EBITDAna–

02Growth

Is it actually growing, and how fast?

3618Chongqing Rural Commercial Bank Co.

Revenue FY25$3.3B

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+3%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+16%–

Revenue, next 5Y, CAGR+10%8

EARNINGS FORECAST▾SCORE

EPS growth, FY26E-7%3

EPS growth, FY27E+12%7

EPS growth, FY28E+12%7

GROWTH ASSESSMENT

STRENGTHS

Revenue is set to grow 16%/yr over the next 3 years, ahead of most of the market.8/10

Revenue grew 3%/yr over the last 3 years and is set to grow 16%/yr from here.

The runway holds up: revenue is set to grow 10%/yr over five years.8/10

WATCH

Earnings are set to grow in step with sales (EPS about 12%/yr vs revenue 16%/yr). One year dips: EPS falls 7% next year.

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

BOTTOM LINE

Stalled Business

Growth is a weak point here: a business that's speeding up. The one thing to watch: the earnings path has a down year.

03Price Momentum

Is the market behind it right now?

3618Chongqing Rural Commercial Bank Co.

Total return Current170%

Price return Current36.0%

MOMENTUM RATING↗

STRONG80 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-2%7

3-month return+3%7

YTD return+8%6

MID & LONG-TERM▾SCORE

% of 52-week high88%7

1-year return+15%6

3-year return+179%9

5-year return+241%9

MOMENTUM ASSESSMENT

STRENGTHS

Magnificent long-term results. Long-term holders have seen +179% over three years and +241% over five, ahead of 80% of the market.

It's up 15% over the past year, but 12% below its 52-week high. That is clearly ahead of the market.

Strong recent results. The stock is outperforming over the past month (-2%) and over three months (+3%).

WATCH

Returns sit at the market level so far this year (+8%).

WEAKNESSES

None flagged.

BOTTOM LINE

Momentum Leader

Short- and long-term returns both rank among the best globally. The market is behind it — a core fit for momentum strategies.

04Value

Are you paying a fair price for it?

Stop guessing on Chongqing Rural Commercial Bank Co., Ltd.. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

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Loading charts…

02Growth

Is it actually growing, and how fast?

3618Chongqing Rural Commercial Bank Co.

Revenue FY25$3.3B

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+3%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+16%–

Revenue, next 5Y, CAGR+10%8

EARNINGS FORECAST▾SCORE

EPS growth, FY26E-7%3

EPS growth, FY27E+12%7

EPS growth, FY28E+12%7

GROWTH ASSESSMENT

STRENGTHS

Revenue is set to grow 16%/yr over the next 3 years, ahead of most of the market.8/10

Revenue grew 3%/yr over the last 3 years and is set to grow 16%/yr from here.

The runway holds up: revenue is set to grow 10%/yr over five years.8/10

WATCH

Earnings are set to grow in step with sales (EPS about 12%/yr vs revenue 16%/yr). One year dips: EPS falls 7% next year.

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

BOTTOM LINE

Stalled Business

Growth is a weak point here: a business that's speeding up. The one thing to watch: the earnings path has a down year.

03Price Momentum

Is the market behind it right now?

3618Chongqing Rural Commercial Bank Co.

Total return Current170%

Price return Current36.0%

MOMENTUM RATING↗

STRONG80 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-2%7

3-month return+3%7

YTD return+8%6

MID & LONG-TERM▾SCORE

% of 52-week high88%7

1-year return+15%6

3-year return+179%9

5-year return+241%9

MOMENTUM ASSESSMENT

STRENGTHS

Magnificent long-term results. Long-term holders have seen +179% over three years and +241% over five, ahead of 80% of the market.

It's up 15% over the past year, but 12% below its 52-week high. That is clearly ahead of the market.

Strong recent results. The stock is outperforming over the past month (-2%) and over three months (+3%).

WATCH

Returns sit at the market level so far this year (+8%).

WEAKNESSES

None flagged.

BOTTOM LINE

Momentum Leader

Short- and long-term returns both rank among the best globally. The market is behind it — a core fit for momentum strategies.

04Value

Are you paying a fair price for it?

Stop guessing on Chongqing Rural Commercial Bank Co., Ltd.. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community