Loading…
Largest rural commercial bank in China by assets, serving Chongqing's urban and rural customers.
Largest rural commercial bank in China by assets, serving Chongqing's urban and rural customers.
Earns mainly from the spread between loan interest and deposit costs. Formed in 2008 from Chongqing's rural credit cooperatives, it listed in Hong Kong in 2010 and in Shanghai in 2019.
In one line: A large Chinese rural/community bank.
Moat: narrow (regulatory licence, distribution). Dense branch coverage across Chongqing's rural and urban areas built up from a network of credit cooperatives.
Headquarters: Chongqing, China · Founded: 2008 · Employees: 14,266
Size Chongqing Rural Commercial Bank (601077.SS) is a China Financials company (Regional Banks) with a market value of $11.7B, the 210th largest of 4,839 China companies the cockpit tracks. Shares closed at CN¥7.21 on 6 Nov 2026.
Performance Over six months the shares fell 1.0%, against +5.5% for the median peer and -16.4% for the China market (cap-weighted) — 5th lowest of 21 in its peer set.
Growth Revenue fell 1.1% over the last twelve months (peer median +7.9%); the operating margin is 49.6% (peer median 41.2%).
Valuation It trades at 0.57× book value against a peer median of 1.31× (2nd cheapest of 21).
Price implies The share price implies a return on equity of about 2.3%; Chongqing Rural Commercial Bank delivers 9.4%, so the price asks less than the business earns today.
Next results Next results expected around 31 Mar 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | CN¥51.5B | CN¥51.1B | CN¥53.0B | CN¥54.8B | CN¥55.2B |
| Revenue growth | — | -4% | -3% | -1% | — |
| Net income | CN¥13.0B | CN¥12.1B | CN¥11.5B | CN¥10.9B | CN¥10.3B |
| Free cash flow | CN¥27.5B | CN¥17.4B | CN¥17.3B | CN¥24.4B | CN¥28.9B |
| Capital expenditure | CN¥3.99B | CN¥1.73B | CN¥490M | CN¥1.04B | CN¥611M |
| Total debt | CN¥524B | CN¥471B | CN¥418B | CN¥404B | CN¥400B |
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 |
|---|---|---|---|---|---|---|
| Chongqing Rural Commercial Bank 601077.SS | $11.7B | -1% | -1% | 9% | 0.57× | 2.3% |
| Bank of Chengdu 601838.SS | $12.8B | +5% | +2% | 15% | 0.92× | 3.1% |
| Bank of Chongqing 1963.HK | $5.11B | +1% | +10% | 10% | 0.41× | 4.2% |
| Qilu Bank 601665.SS | $6.02B | +2% | +1% | 12% | 0.75× | 3.2% |
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 | 601077.SS | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | +6.3% | +2.8% | 6th highest of 21 |
| 6-month return | -1.0% | +5.5% | 5th lowest of 21 |
| Return on equity | 9.4% | 9.7% | 10th lowest of 21 |
| Price / book | 0.57× | 1.31× | 2nd cheapest of 21 |
| Trailing P/E | 6.3× | 14.4× | cheapest of 20 |
| ROE the price implies | 2.3% | 9.3% | least demanding of 20 |
| ROE delivered | 9.4% | 9.9% | 9th lowest of 20 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Chongqing Rural Commercial Bank 601077.SS | China | $11.7B | -1% | -1% | 9% | 0.57× | 2.3% | 9.4% |
| IBK 024110.KS | South Korea | $11.4B | -14% | +28% | 8% | 0.49× | 4.2% | n/a |
| CNPC Capital 000617.SZ | China | $12.3B | -31% | -14% | 5% | 0.76× | 7.9% | 4.6% |
| Yokohama Financial 7186.T | Japan | $11.1B | +7% | +21% | 8% | 1.21× | 8.1% | 8.0% |
| First Horizon FHN | United States | $10.9B | -6% | -8% | 8% | 1.34× | 9.7% | 8.0% |
| Bank of Chengdu 601838.SS | China | $12.8B | +5% | +2% | 15% | 0.92× | 3.1% | 15.1% |
| Chiba Bank 8331.T | Japan | $10.3B | +9% | +31% | 8% | 1.28× | 6.9% | 8.3% |
| Wintrust Financial WTFC | United States | $10.2B | 0% | +6% | 13% | 1.49× | 12.2% | 12.9% |
| Chang Hwa Commercial Bank 2801.TW | Taiwan | $10.2B | +34% | +3% | 9% | 1.46× | 4.7% | 9.2% |
| Taiwan Cooperative Financial Hl 5880.TW | Taiwan | $13.6B | +22% | -3% | 9% | 1.55× | 4.8% | 8.9% |
| Shizuoka Financial 5831.T | Japan | $10.0B | +6% | +18% | 8% | 1.21× | 10.5% | 8.2% |
| Popular BPOP | United States | $9.83B | +5% | +4% | 17% | 1.58× | 11.1% | 16.6% |
| Cullen/Frost Bankers CFR | United States | $9.65B | +12% | +2% | 16% | 2.52× | 14.2% | 16.2% |
| Banque Cantonale Vaudoise BCVN.SW | Switzerland | $14.4B | +20% | -8% | 12% | 3.07× | n/a | 11.6% |
| SBI Shinsei Bank 8303.T | Japan | $9.20B | -11% | +27% | 10% | 1.15× | 4.7% | 9.9% |
| Central Bancompany CBC | United States | $9.04B | +38% | +10% | 13% | 2.35× | 10.9% | 12.6% |
| Pinnacle Financial Partners PNFP | United States | $15.2B | +3% | +100% | 10% | 1.10× | 10.7% | 9.6% |
| Banco Santander-Chile Sponsored ADR BSAC | United States | $15.2B | +7% | +18% | 25% | 3.00× | 17.6% | 24.9% |
| ING Bank Slaski ING.WA | Poland | $15.7B | +20% | +4% | 24% | 3.24× | 33.8% | 23.7% |
| Columbia Banking System COLB | United States | $8.62B | +1% | +22% | 11% | 1.19× | 9.3% | 11.2% |
| Prosperity Bancshares, Inc.(R) PB | United States | $8.60B | +4% | +19% | 6% | 0.88× | 7.5% | 6.5% |