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Regional Chinese commercial bank based in Tianjin, serving corporate and retail customers.
Regional Chinese commercial bank based in Tianjin, serving corporate and retail customers.
Earns mostly from the spread between loan interest and deposit costs, with corporate loans the larger part, so the health of borrowers in Tianjin largely decides loan quality.
In one line: A Chinese regional bank.
Moat: narrow (regulatory licence, distribution). Local banking licence and branch network concentrated in Tianjin.
Headquarters: Tianjin, China · Founded: 1996 · Employees: 6,621
Size Bank of Tianjin (1578.HK) is a Hong Kong Financials company (Regional Banks) with a market value of $1.52B, the 487th largest of 891 Hong Kong companies the cockpit tracks. Shares closed at HK$1.97 on 6 Nov 2026.
Performance Over six months the shares fell 22.0%, against +1.5% for the median peer and -13.4% for the Hong Kong market (cap-weighted) — lowest of 21 in its peer set.
Growth Revenue fell 3.8% over the last twelve months (peer median +7.5%); the operating margin is 29.5% (peer median 35.4%).
Valuation It trades at 0.14× book value against a peer median of 0.97× (cheapest of 21).
Price implies The share price implies a return on equity of about 3.3%; Bank of Tianjin delivers 5.2%, so the price asks less than the business earns today.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | HK$37.8B | HK$38.7B | HK$40.1B | HK$40.5B | HK$40.9B |
| Revenue growth | — | -4% | -1% | -1% | — |
| Net income | HK$4.14B | HK$4.19B | HK$4.12B | HK$4.15B | HK$4.15B |
| Free cash flow | HK$6.14B | -HK$14.7B | HK$21.8B | HK$21.1B | HK$4.37B |
| Capital expenditure | HK$338M | HK$338M | HK$421M | HK$545M | HK$774M |
| Total debt | n/a | HK$314B | HK$289B | HK$268B | HK$247B |
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 |
|---|---|---|---|---|---|---|
| Bank of Tianjin 1578.HK | $1.52B | -22% | -4% | 5% | 0.14× | 3.3% |
| Bank of Qingdao 3866.HK | $4.84B | +6% | +12% | 14% | 0.57× | 6.1% |
| Bank of Zhengzhou 6196.HK | $2.06B | -14% | -3% | 3% | 0.15× | 3.5% |
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 | 1578.HK | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | -3.7% | -0.6% | 7th lowest of 21 |
| 6-month return | -22.0% | +1.5% | lowest of 21 |
| Return on equity | 5.2% | 10.4% | 2nd lowest of 21 |
| Price / book | 0.14× | 0.97× | cheapest of 21 |
| Trailing P/E | 2.9× | 12.2× | cheapest of 19 |
| ROE the price implies | 3.3% | 8.1% | 3rd least demanding of 21 |
| ROE delivered | 5.2% | 10.5% | 2nd lowest of 20 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Bank of Tianjin 1578.HK | Hong Kong | $1.52B | -22% | -4% | 5% | 0.14× | 3.3% | 5.2% |
| Lakeland Financial LKFN | United States | $1.51B | -1% | +2% | 15% | 2.07× | 14.8% | 15.4% |
| K Bank 279570.KS | South Korea | $1.53B | -18% | 0% | 6% | 0.93× | 5.3% | n/a |
| Jiangsu Suzhou Rural Commercial Bank 603323.SS | China | $1.50B | -1% | -7% | 11% | 0.49× | 2.3% | 10.7% |
| Yibin City Commercial Bank 2596.HK | Hong Kong | $1.55B | +2% | +6% | 6% | 0.91× | 5.1% | 5.5% |
| Amalgamated Financial AMAL | United States | $1.47B | +18% | +12% | 15% | 1.77× | 13.0% | 15.3% |
| Live Oak Bancshares LOB | United States | $1.57B | -10% | +9% | 11% | 1.30× | 17.1% | 11.1% |
| Musashino Bank 8336.T | Japan | $1.47B | -3% | +31% | 6% | 0.82× | 6.0% | 5.8% |
| Keiyo Bank 8544.T | Japan | $1.58B | -1% | +19% | 6% | 0.78× | 6.9% | 5.7% |
| Republic Bancorp RBCAA | United States | $1.59B | +17% | -2% | 12% | 1.52× | 10.1% | 11.5% |
| Zhejiang Shaoxing Ruifeng Rural Commercial Bank 601528.SS | China | $1.60B | +4% | -8% | 10% | 0.51× | 3.4% | 9.9% |
| CCI 7381.T | Japan | $1.44B | +7% | +49% | 7% | 0.83× | 4.1% | 7.1% |
| Jammu & Kashmir Bank J&KBANK.NS | India | $1.44B | -12% | +6% | 15% | 0.77× | 12.1% | 14.5% |
| Jiangsu Zhangjiagang Rural Commercial Bank 002839.SZ | China | $1.61B | -4% | -10% | 11% | 0.54× | 2.6% | 10.6% |
| Tompkins Financial TMP | United States | $1.43B | +16% | -15% | 21% | 1.52× | 11.5% | 20.9% |
| National Bank NBHC | United States | $1.63B | -14% | +14% | 4% | 1.01× | 9.0% | 3.6% |
| ConnectOne Bancorp CNOB | United States | $1.63B | +8% | +24% | 10% | 1.10× | 10.7% | 9.6% |
| Bank First BFC | United States | $1.64B | +1% | +33% | 12% | 1.98× | 10.9% | 11.9% |
| Burke Herbert Financial Services BHRB | United States | $1.41B | +10% | +14% | 10% | 1.23× | 7.1% | 10.5% |
| Origin Bancorp OBK | United States | $1.64B | +14% | +5% | 10% | 1.29× | 10.1% | 10.4% |
| Nanto Bank 8367.T | Japan | $1.65B | +7% | +13% | 6% | 0.81× | 5.9% | 6.1% |