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Guangzhou-based rural commercial bank providing retail and SME banking services in the Pearl River Delta region.
Guangzhou-based rural commercial bank providing retail and SME banking services in the Pearl River Delta region.
Earns mostly the interest spread on lending to small businesses and individuals, funded by local deposits. Rural commercial banks were created from rural credit cooperatives and typically stay tied to local government and enterprises.
In one line: A large Chinese regional/community bank.
Moat: narrow (regulatory licence, distribution, deposits). Deep branch network and deposit base built over decades serving Guangzhou's rural and urban customers.
Headquarters: Guangzhou, China · Founded: 2009 · Employees: 12,995
Size Guangzhou Rural Commercial Bank (1551.HK) is a Hong Kong Financials company (Major Banks) with a market value of $2.83B, the 352nd largest of 891 Hong Kong companies the cockpit tracks. Shares closed at HK$1.50 on 6 Nov 2026.
Performance Over six months the shares fell 9.6%, against +2.2% for the median peer and -13.4% for the Hong Kong market (cap-weighted) — 5th lowest of 21 in its peer set.
Growth Revenue fell 9.2% over the last twelve months (peer median +8.2%); the operating margin is 14.9% (peer median 32.0%).
Valuation It trades at 0.22× book value against a peer median of 0.98× (cheapest of 21).
Price implies The share price implies a return on equity of about 3.5%; Guangzhou Rural Commercial Bank delivers 2.3%, so the price asks more than the business earns today.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | HK$39.3B | HK$40.3B | HK$43.9B | HK$48.1B | HK$55.4B |
| Revenue growth | — | -8% | -9% | -13% | — |
| Net income | HK$2.43B | HK$2.30B | HK$2.26B | HK$2.91B | HK$4.06B |
| Free cash flow | HK$11.4B | HK$8.34B | HK$7.46B | HK$6.59B | HK$10.4B |
| Capital expenditure | HK$332M | HK$369M | HK$939M | HK$554M | HK$875M |
| Total debt | n/a | HK$288B | HK$285B | HK$290B | HK$252B |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| Guangzhou Rural Commercial Bank 1551.HK | $2.83B | -10% | -9% | 2% | 0.22× | 3.5% |
| Chongqing Rural Commercial Bank 3618.HK | $11.5B | -4% | +4% | 9% | 0.44× | 4.1% |
| Bank of Communications 3328.HK | $107B | +19% | +3% | 8% | 0.55× | 4.8% |
| Dongguan Rural Commercial Bank 9889.HK | $2.63B | -14% | 0% | 7% | 0.29× | 3.7% |
| Ping An Bank 000001.SZ | $34.4B | +3% | -9% | 9% | 0.48× | 3.6% |
| Shanghai Rural Commercial Bank 601825.SS | $13.1B | +1% | -8% | 10% | 0.65× | 2.5% |
| China Merchants Bank 600036.SS | $164B | +12% | +9% | 14% | 0.94× | 5.4% |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | 1551.HK | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | -2.0% | +1.8% | 7th lowest of 21 |
| 6-month return | -9.6% | +2.2% | 5th lowest of 21 |
| Return on equity | 2.3% | 9.5% | lowest of 21 |
| Price / book | 0.22× | 0.98× | cheapest of 21 |
| Trailing P/E | 10.6× | 12.3× | 8th cheapest of 21 |
| ROE the price implies | 3.5% | 9.7% | 2nd least demanding of 20 |
| ROE delivered | 2.3% | 9.6% | lowest of 21 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Guangzhou Rural Commercial Bank 1551.HK | Hong Kong | $2.83B | -10% | -9% | 2% | 0.22× | 3.5% | 2.3% |
| Bandhan Bank BANDHANBNK.NS | India | $2.83B | -21% | +1% | 7% | 1.00× | 14.9% | 7.3% |
| NBT Bancorp NBTB | United States | $2.74B | +16% | +10% | 11% | 1.45× | 9.3% | 11.5% |
| Central Bank of India CENTRALBK.NS | India | $2.93B | -18% | +8% | 12% | 0.67× | 10.9% | 12.0% |
| Hyakugo Bank 8368.T | Japan | $2.98B | +4% | +29% | 6% | 0.85× | 8.0% | 6.4% |
| FB Financial FBK | United States | $2.66B | 0% | +27% | 12% | 1.39× | 12.3% | 11.9% |
| Shiga Bank 8366.T | Japan | $3.12B | +11% | +23% | 4% | 0.76× | 3.9% | 4.4% |
| First Merchants FRME | United States | $2.56B | +1% | +8% | 8% | 0.97× | 9.2% | 7.8% |
| BankUnited BKU | United States | $3.14B | -7% | -5% | 9% | 1.09× | 11.9% | 9.2% |
| BSP Financial BFL.AX | Australia | $2.53B | -5% | +7% | 25% | 2.12× | 10.5% | 24.5% |
| Banque Cantonale de Geneve BCGE.SW | Switzerland | $3.17B | +12% | -3% | 10% | 1.01× | n/a | 9.9% |
| Bank of Xi'an 600928.SS | China | $2.51B | +2% | +1% | 8% | 0.45× | 2.6% | 7.8% |
| Bank of Queensland BOQ.AX | Australia | $3.19B | +14% | -6% | 4% | 0.80× | 8.9% | 4.3% |
| Park National PRK | United States | $3.20B | +2% | +21% | 13% | 1.87× | 13.1% | 13.1% |
| Banco BBVA Argentina SA Sponsored ADR BBAR | United States | $2.45B | -29% | +6% | 8% | 0.77× | 8.1% | 8.0% |
| Aichi Financial 7389.T | Japan | $2.40B | +3% | +31% | 8% | 0.81× | 6.5% | 7.8% |
| Simmons First National SFNC | United States | $3.37B | +10% | +122% | 8% | 1.01× | 9.7% | 7.8% |
| Tokyo Kiraboshi Financial 7173.T | Japan | $2.36B | -12% | +15% | 11% | 0.93× | 5.9% | 10.8% |
| Community Financial System CBU | United States | $3.39B | +1% | +7% | 12% | 1.67× | 12.5% | 11.8% |
| OSB OSB.L | United Kingdom | $2.27B | +4% | -6% | 12% | 0.78× | 12.1% | 12.4% |
| Dave DAVE | United States | $3.55B | +9% | +49% | 105% | 17.09× | 291.2% | 104.8% |