| Snowflake Score | |
|---|---|
| Valuation | 4/6 |
| Future Growth | 0/6 |
| Past Performance | 1/6 |
| Financial Health | 5/6 |
| Dividends | 0/6 |
1578 Stock Overview
Bank of Tianjin Co., Ltd. provides a range of banking and related financial services primarily in the People’s Republic of China.
Bank of Tianjin Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | HK$2.12 |
| 52 Week High | HK$3.64 |
| 52 Week Low | HK$1.61 |
| Beta | 0.021 |
| 1 Month Change | 1.92% |
| 3 Month Change | 6.53% |
| 1 Year Change | -37.65% |
| 3 Year Change | -57.60% |
| 5 Year Change | -61.66% |
| Change since IPO | -71.31% |
Recent News & Updates
Shareholder Returns
| 1578 | HK Banks | HK Market | |
|---|---|---|---|
| 7D | 2.4% | 0.6% | 2.1% |
| 1Y | -37.6% | -3.2% | -23.3% |
Return vs Industry: 1578 underperformed the Hong Kong Banks industry which returned -3.2% over the past year.
Return vs Market: 1578 underperformed the Hong Kong Market which returned -23.3% over the past year.
Price Volatility
| 1578 volatility | |
|---|---|
| 1578 Average Weekly Movement | 3.4% |
| Banks Industry Average Movement | 2.8% |
| Market Average Movement | 7.0% |
| 10% most volatile stocks in HK Market | 13.8% |
| 10% least volatile stocks in HK Market | 3.3% |
Stable Share Price: 1578 is less volatile than 75% of Hong Kong stocks over the past 3 months, typically moving +/- 3% a week.
Volatility Over Time: 1578's weekly volatility (3%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1996 | 6,587 | Hongtao Wu | https://www.bankoftianjin.com |
Bank of Tianjin Co., Ltd. provides a range of banking and related financial services primarily in the People’s Republic of China. It operates through Corporate Banking, Personal Banking, and Treasury Operations segments. The Corporate Banking segment offers deposit taking, corporate loan, trade financing, and other types of corporate intermediary services to corporations, government agencies, and financial institutions.
Bank of Tianjin Fundamentals Summary
| 1578 fundamental statistics | |
|---|---|
| Market Cap | CN¥10.97b |
| Earnings (TTM) | CN¥3.20b |
| Revenue (TTM) | CN¥7.84b |
3.4x
P/E Ratio0.2x
P/B RatioIs 1578 overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| 1578 income statement (TTM) | |
|---|---|
| Revenue | CN¥7.84b |
| Cost of Revenue | CN¥0 |
| Gross Profit | CN¥7.84b |
| Other Expenses | CN¥4.65b |
| Earnings | CN¥3.20b |
Last Reported Earnings
Dec 31, 2021
Next Earnings Date
n/a
| Earnings per share (EPS) | 0.53 |
| Gross Margin | 100.00% |
| Net Profit Margin | 40.76% |
| Debt/Equity Ratio | 403.6% |
How did 1578 perform over the long term?
See historical performance and comparisonValuation
Is 1578 undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score
4/6Valuation Score 4/6
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Below Fair Value
Significantly Below Fair Value
PEG Ratio
Key Valuation Metric
Which metric is best to use when looking at relative valuation for 1578?
Other financial metrics that can be useful for relative valuation.
| What is 1578's n/a Ratio? | |
|---|---|
| n/a Ratio | 0x |
| n/a | n/a |
| Market Cap | CN¥10.97b |
| Key Statistics | |
|---|---|
| Enterprise Value/Revenue | n/a |
| Enterprise Value/EBITDA | n/a |
| PEG Ratio | n/a |
Price to Earnings Ratio vs Peers
How does 1578's PE Ratio compare to its peers?
| 1578 PE Ratio vs Peers |
|---|
| Company | PE | Estimated Growth | Market Cap |
|---|---|---|---|
| Peer Average | 7.1x |
Price-To-Earnings vs Peers: 1578 is good value based on its Price-To-Earnings Ratio (3.4x) compared to the peer average (7.1x).
Price to Earnings Ratio vs Industry
How does 1578's PE Ratio compare vs other companies in the Hong Kong Banks Industry?
Price-To-Earnings vs Industry: 1578 is good value based on its Price-To-Earnings Ratio (3.4x) compared to the Hong Kong Banks industry average (5.6x)
Price to Earnings Ratio vs Fair Ratio
What is 1578's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.
| Fair Ratio | |
|---|---|
| Current PE Ratio | 3.4x |
| Fair PE Ratio | n/a |
Price-To-Earnings vs Fair Ratio: Insufficient data to calculate 1578's Price-To-Earnings Fair Ratio for valuation analysis.
Share Price vs Fair Value
What is the Fair Price of 1578 when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: 1578 (HK$2.12) is trading below our estimate of fair value (HK$6.9)
Significantly Below Fair Value: 1578 is trading below fair value by more than 20%.
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate 1578's PEG Ratio to determine if it is good value.
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Future Growth
How is Bank of Tianjin forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Future Growth Score
0/6Future Growth Score 0/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Future ROE
8.9%
Forecasted Banks industry annual growth in earnings
In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Bank of Tianjin has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.
This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.
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- Examine whether Bank of Tianjin is trading at an attractive price based on how much it is expected to earn in the future, and relative to its industry peers and the wider market.
- Bank of Tianjin competitive advantages and company strategy can generally be found in its financial reports archived here.
Past Performance
How has Bank of Tianjin performed over the past 5 years?
Past Performance Score
1/6Past Performance Score 1/6
Quality Earnings
Growing Profit Margin
Earnings Trend
Accelerating Growth
Earnings vs Industry
High ROE
-2.0%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: 1578 has high quality earnings.
Growing Profit Margin: 1578's current net profit margins (40.8%) are lower than last year (48%).
Past Earnings Growth Analysis
Earnings Trend: 1578's earnings have declined by 2% per year over the past 5 years.
Accelerating Growth: 1578's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: 1578 had negative earnings growth (-25.8%) over the past year, making it difficult to compare to the Banks industry average (11.4%).
Return on Equity
High ROE: 1578's Return on Equity (5.6%) is considered low.
Discover strong past performing companies
Financial Health
How is Bank of Tianjin's financial position? (This company is analysed differently as a bank or financial institution)
Financial Health Score
5/6Financial Health Score 5/6
Asset Level
Allowance for Bad Loans
Low Risk Liabilities
Loan Level
Low Risk Deposits
Level of Bad Loans
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: 1578's Assets to Equity ratio (12.5x) is moderate.
Allowance for Bad Loans: 1578 has a sufficient allowance for bad loans (154%).
Low Risk Liabilities: 64% of 1578's liabilities are made up of primarily low risk sources of funding.
Loan Level: 1578 has an appropriate level of Loans to Assets ratio (45%).
Low Risk Deposits: 1578's Loans to Deposits ratio (77%) is appropriate.
Level of Bad Loans: 1578 has a high level of bad loans (2.4%).
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Dividend
What is Bank of Tianjin current dividend yield, its reliability and sustainability?
Dividend Score
0/6Dividend Score 0/6
Notable Dividend
High Dividend
Stable Dividend
Growing Dividend
Earnings Coverage
Future Dividend Coverage
Dividend Yield vs Market
Notable Dividend: Unable to evaluate 1578's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate 1578's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if 1578's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if 1578's dividend payments have been increasing.
Current Payout to Shareholders
Earnings Coverage: 1578 is not paying a notable dividend for the Hong Kong market.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of 1578's dividend in 3 years as they are not forecast to pay a notable one for the Hong Kong market.
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Management
How experienced are the management team and are they aligned to shareholders interests?
1.6yrs
Average management tenure
CEO
Hongtao Wu (49 yo)
1.58yrs
Tenure
CN¥1,343,000
Compensation
Mr. Hongtao Wu serves as the President at Bank of Tianjin Co., Ltd. since October 2020 and has been its Executive Director since January 2021. He is responsible for the overall work of our Bank’s operation...
CEO Compensation Analysis
Compensation vs Market: Hongtao's total compensation ($USD200.77K) is below average for companies of similar size in the Hong Kong market ($USD590.64K).
Compensation vs Earnings: Insufficient data to compare Hongtao's compensation with company performance.
Leadership Team
Experienced Management: 1578's management team is not considered experienced ( 1.6 years average tenure), which suggests a new team.
Board Members
Experienced Board: 1578's board of directors are considered experienced (5.4 years average tenure).
Ownership
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Ownership Breakdown
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Top Shareholders
Company Information
Bank of Tianjin Co., Ltd.'s employee growth, exchange listings and data sources
Key Information
- Name: Bank of Tianjin Co., Ltd.
- Ticker: 1578
- Exchange: SEHK
- Founded: 1996
- Industry: Regional Banks
- Sector: Banks
- Implied Market Cap: HK$12.870b
- Shares outstanding: 6.07b
- Website: https://www.bankoftianjin.com
Number of Employees
Location
- Bank of Tianjin Co., Ltd.
- No. 15 Youyi Road
- Hexi District
- Tianjin
- 300201
- China
Listings
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2022/06/25 00:00 |
| End of Day Share Price | 2022/06/24 00:00 |
| Earnings | 2021/12/31 |
| Annual Earnings | 2021/12/31 |
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.