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Market Price

0.33 

-0.01 -1.8%

as of Jun 04 '20

52 Week Range:

0.32 0.49


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

Chongqing Rural Commercial Bank Co., Ltd., together with its subsidiaries, provides a range of banking and related financial services in the People's Republic of China. It operates in three segments: Corporate Banking, Personal Banking, and Financial Market Operations. The Corporate Banking segment offers financial products and services, including deposit takings, corporate loans, trade financing, financial leasing, and other corporate intermediary services to corporations, government agencies, and financial institutions. The Personal Banking segment provides financial products and services, such as deposit products, personal loans, cards, personal wealth management services, and other types of personal intermediary services to individual customers. The Financial Market Operations segment conducts money market or repurchase transactions; and invests in debt instruments on behalf of customers. The company also provides mobile banking, Internet banking, and telephone banking services. As of 31 December 2019, it operated 1,774 branches including the headquarter and business department, 6 branches, 35 first-level sub-branches, 117 second-level sub-branches, 2 community branch outlets, and 1,612 branch outlets; and 4,911 ATMs and self-service inquiry terminals. The company was formerly known as Chongqing Rural Credit Union and changed its name to Chongqing Rural Commercial Bank Co., Ltd. in 2008. Chongqing Rural Commercial Bank Co., Ltd. was founded in 1951 and is based in Causeway Bay, Hong Kong.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Equity (BVPS) 0.11
0.34
0.38
0.43
0.54
0.66
0.72
0.79
0.85
0.84
growth rate 209.1% 11.8% 13.2% 25.6% 22.2% 9.1% 9.7% 7.6% -1.2%
Avg.PE 5.17
5.09
4.16
3.85
2.41
growth rate -1.6% -18.3% -7.5% -37.4%
ROA 0.94
1.26
1.35
1.38
1.28
1.22
1.08
1.05
1.05
0.98
0.99
growth rate 34.0% 7.1% 2.2% -7.3% -4.7% -11.5% -2.8% 0.0% -6.7% 1.0%
ROE 19.92
19.26
16.92
17.94
17.58
17.58
16.38
15.99
15.37
13.48
12.28
growth rate -3.3% -12.2% 6.0% -2.0% 0.0% -6.8% -2.4% -3.9% -12.3% -8.9%
Leverage 21.25
12.78
12.35
13.59
13.86
14.94
15.33
15.27
14.22
13.44
11.68
growth rate -39.9% -3.4% 10.0% 2.0% 7.8% 2.6% -0.4% -6.9% -5.5% -13.1%
Balance Sheet Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Acct.Payable 411,440.47
492,190.78
557,422.79
622,468.41
657,672.07
639,666.89
682,894.88
growth rate 19.6% 13.3% 11.7% 5.7% -2.7% 6.8%
Cur.Assets 193,981.14
242,666.29
237,778.67
245,228.36
254,645.76
285,800.11
254,661.20
growth rate 25.1% -2.0% 3.1% 3.8% 12.2% -10.9%
Total Assets 502,445.97
618,888.99
716,805.22
803,157.73
905,778.08
950,618.04
1,030,230.24
growth rate 23.2% 15.8% 12.1% 12.8% 5.0% 8.4%
Cash 28,574.93
39,129.98
61,388.32
68,964.47
46,164.93
28,635.17
20,533.23
growth rate 36.9% 56.9% 12.3% -33.1% -38.0% -28.3%
Inventory 121.71
118.09
113.36
114.56
112.79
103.88
101.02
growth rate -3.0% -4.0% 1.1% -1.6% -7.9% -2.8%
Cur.Liabilities 460,824.88
568,575.52
659,227.56
734,471.41
825,832.34
857,014.03
916,227.03
growth rate 23.4% 15.9% 11.4% 12.4% 3.8% 6.9%
Liabilities 465,556.67
576,040.58
668,517.41
748,967.90
840,532.40
878,469.18
940,427.91
growth rate 23.7% 16.1% 12.0% 12.2% 4.5% 7.1%
LT Debt 2,346.44
5,043.11
6,015.71
10,082.73
9,040.63
15,035.71
16,929.59
growth rate 114.9% 19.3% 67.6% -10.3% 66.3% 12.6%
Equity 36,251.45
41,425.95
46,762.79
52,593.22
63,688.69
70,748.26
88,213.50
growth rate 14.3% 12.9% 12.5% 21.1% 11.1% 24.7%
Common Shares 6,000.00
6,847.00
9,297.00
9,300.00
9,300.00
9,300.00
9,300.00
9,300.00
9,494.00
10,000.00
10,279.00
growth rate 14.1% 35.8% 0.0% 0.0% 0.0% 0.0% 0.0% 2.1% 5.3% 2.8%
Cash Flow Statement Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Capital Expenditures 1,180.94
1,630.92
1,621.90
709.14
786.20
591.27
837.52
growth rate 38.1% -0.6% -56.3% 10.9% -24.8% 41.7%
Cash Dividends 1,580.20
1,765.75
1,855.99
1,727.54
1,969.04
2,013.56
1,989.44
growth rate 11.7% 5.1% -6.9% 14.0% 2.3% -1.2%
Cash From OA -68,580.06
-31,457.35
20,710.04
-58,959.97
-54,570.63
-55,808.87
-17,234.54
growth rate 0.0% 100.0% -100.0% 0.0% 0.0% 0.0%
FCF per Share 0.10
0.15
-0.48
0.26
0.53
0.65
0.89
-0.54
-0.49
-0.03
growth rate 50.0% -100.0% 100.0% 103.9% 22.6% 36.9% -100.0% 0.0% 0.0%
Sale Purchase of Stock 3,991.33
3,991.33
3,991.33
3,991.33
growth rate 0.0% 0.0% 0.0%
FCF 5,457.00
8,022.00
-30,929.00
20,889.00
5,110.00
47,662.00
84,320.00
5,377.00
-20,153.00
-81,815.00
23,014.00
growth rate 47.0% -100.0% 100.0% -75.5% 832.7% 76.9% -93.6% -100.0% 0.0% 100.0%
Income Statement Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Sales 15,124.52
17,510.65
18,663.46
19,095.81
20,289.27
19,943.44
20,069.69
growth rate 15.8% 6.6% 2.3% 6.3% -1.7% 0.6%
Op.Income 7,988.79
9,155.31
9,690.73
10,607.02
11,963.78
11,798.61
12,273.20
growth rate 14.6% 5.9% 9.5% 12.8% -1.4% 4.0%
IBT 7,916.72
9,109.83
9,587.37
10,644.84
11,959.73
11,771.92
12,232.93
growth rate 15.1% 5.2% 11.0% 12.4% -1.6% 3.9%
Net Income 5,991.05
6,828.46
7,223.30
7,944.75
8,935.97
9,058.19
9,759.89
growth rate 14.0% 5.8% 10.0% 12.5% 1.4% 7.8%
EPS 0.31
0.45
0.46
0.58
0.64
0.73
0.78
0.85
0.94
0.91
0.95
growth rate 45.2% 2.2% 26.1% 10.3% 14.1% 6.9% 9.0% 10.6% -3.2% 4.4%
Gross Profit 15,124.52
17,510.65
18,663.46
19,095.81
20,289.27
19,943.44
20,069.69
growth rate 15.8% 6.6% 2.3% 6.3% -1.7% 0.6%

Quarterly Statements

Item Name Mar '19 Jun '19 Sep '19 Dec '19 Mar '20
Balance Sheet
Acct.Payable 702,467.61
702,467.61
682,894.88
682,894.88
718,290.76
growth rate 0.0% -2.8% 0.0% 5.2%
Cur.Assets 293,654.32
293,654.32
254,661.20
254,661.20
135,623.96
growth rate 0.0% -13.3% 0.0% -46.7%
Total Assets 1,019,685.32
1,019,685.32
1,030,230.24
1,030,230.24
1,049,788.91
growth rate 0.0% 1.0% 0.0% 1.9%
Cash 32,844.11
32,844.11
20,533.23
20,533.23
29,196.76
growth rate 0.0% -37.5% 0.0% 42.2%
Inventory 103.88
103.88
101.02
101.02
growth rate 0.0% -2.8% 0.0%
Cur.Liabilities 918,609.96
918,609.96
916,227.03
916,227.03
803,691.72
growth rate 0.0% -0.3% 0.0% -12.3%
Liabilities 943,742.71
943,742.71
940,427.91
940,427.91
956,592.79
growth rate 0.0% -0.4% 0.0% 1.7%
LT Debt 17,086.22
17,086.22
16,929.59
16,929.59
146,400.49
growth rate 0.0% -0.9% 0.0% 764.8%
Equity 70,748.26
74,492.86
88,213.50
88,213.50
91,542.56
growth rate 5.3% 18.4% 0.0% 3.8%
Common Shares 10,000.00
10,000.00
11,357.00
11,357.00
11,357.00
growth rate 0.0% 13.6% 0.0% 0.0%
Cash Flow Statement Mar '19 Jun '19 Sep '19 Dec '19 Mar '20
Capital Expenditures 115.85
100.74
318.02
318.02
404.72
growth rate -13.0% 215.7% 0.0% 27.3%
Cash Dividends 0.00
989.61
5.11
5.11
0.04
growth rate 32,986,750.0% -99.5% 0.0% -99.3%
Cash From OA -33,381.03
-15,743.08
7,125.81
7,125.81
4,982.63
growth rate 0.0% 100.0% 0.0% -30.1%
Sale Purchase of Stock
growth rate
FCF -33,496.87
-15,843.83
6,807.79
6,807.79
4,577.91
growth rate 0.0% 100.0% 0.0% -32.8%
Income Statement Mar '19 Jun '19 Sep '19 Dec '19 Mar '20
Sales 5,214.45
5,015.36
5,019.49
5,019.49
5,760.82
growth rate -3.8% 0.1% 0.0% 14.8%
Op.Income 4,076.97
3,520.63
2,615.97
2,615.97
3,953.23
growth rate -13.7% -25.7% 0.0% 51.1%
IBT 4,076.97
3,517.71
2,598.76
2,598.76
3,953.23
growth rate -13.7% -26.1% 0.0% 52.1%
Net Income 3,307.68
2,875.72
2,004.23
2,004.23
3,079.57
growth rate -13.1% -30.3% 0.0% 53.7%
Gross Profit 5,214.45
5,015.36
5,019.49
5,019.49
5,760.82
growth rate -3.8% 0.1% 0.0% 14.8%

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

D (37.65)

YOY Growth Grade:

D (38.22)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 2.62 2.32
EPS / Growth 0.14

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 18.5%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 18.5% 18.5% 18.5%
Future PE 0.01 1.75 13.18
Future EPS 0.77 0.77 0.77
Value Price
MOS %
0.00
-99.4%
0.33
1.2%
2.51
662.0%
MOS Price 0.00 0.17 1.26
IRT 1.81 1.81 1.81

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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