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City commercial bank in Xiamen, Fujian, serving retail and corporate clients including Taiwan-linked businesses.
City commercial bank in Xiamen, Fujian, serving retail and corporate clients including Taiwan-linked businesses.
Earns the spread between interest on loans and deposit costs, with Xiamen's special economic zone status and Taiwan links giving it a cross-strait niche. Branch coverage is regional.
Moat: narrow (regulatory licence, distribution). Local banking licence and Fujian branch network, plus a cross-strait trade niche.
Headquarters: Xiamen, Fujian, China · Founded: 1996 · Employees: 3,854
Size Xiamen Bank (601187.SS) is a China Financials company (Regional Banks) with a market value of $2.67B, the 966th largest of 4,839 China companies the cockpit tracks. Shares closed at CN¥6.75 on 6 Nov 2026.
Performance Over six months the shares fell 12.6%, against +5.1% for the median peer and -16.4% for the China market (cap-weighted) — 4th lowest of 21 in its peer set.
Growth Revenue fell 0.3% over the last twelve months (peer median +1.1%); the operating margin is 45.9% (peer median 36.7%).
Valuation It trades at 0.63× book value against a peer median of 1.13× (5th cheapest of 21).
Price implies The share price implies a return on equity of about 3.2%; Xiamen Bank delivers 10.0%, so the price asks less than the business earns today.
Next results Next results expected around 4 May 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | CN¥13.8B | CN¥13.6B | CN¥14.2B | CN¥13.7B | CN¥13.4B |
| Revenue growth | — | -4% | +4% | +3% | — |
| Net income | CN¥2.71B | CN¥2.38B | CN¥2.34B | CN¥2.66B | CN¥2.51B |
| Free cash flow | CN¥16.3B | CN¥2.90B | CN¥4.26B | CN¥4.77B | CN¥10.1B |
| Capital expenditure | CN¥343M | CN¥354M | CN¥314M | CN¥340M | CN¥550M |
| Total debt | CN¥186B | CN¥172B | CN¥157B | CN¥151B | CN¥134B |
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 |
|---|---|---|---|---|---|---|
| Xiamen Bank 601187.SS | $2.67B | -13% | 0% | 10% | 0.63× | 3.2% |
| Bank of Qingdao 002948.SZ | $4.78B | +3% | +3% | 13% | 0.85× | 5.0% |
| Bank of Guiyang 601997.SS | $3.20B | -3% | -5% | 7% | 0.32× | 2.0% |
| Industrial Bank 601166.SS | $62.6B | +10% | -4% | 9% | 0.49× | 2.2% |
| Bank of Ningbo 002142.SZ | $34.0B | +3% | +3% | 13% | 0.92× | 7.0% |
| Bank of Hangzhou 600926.SS | $18.6B | -2% | -3% | 14% | 0.86× | 3.0% |
| Bank of Suzhou 002966.SZ | $6.41B | +12% | +5% | 11% | 0.79× | 2.8% |
| Bank of Changsha 601577.SS | $6.03B | 0% | -9% | 11% | 0.52× | 2.8% |
| Bank of Chengdu 601838.SS | $12.8B | +5% | +2% | 15% | 0.92× | 3.1% |
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 | 601187.SS | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | -2.0% | +0.4% | 9th lowest of 21 |
| 6-month return | -12.6% | +5.1% | 4th lowest of 21 |
| Return on equity | 10.0% | 9.2% | 9th highest of 21 |
| Price / book | 0.63× | 1.13× | 5th cheapest of 21 |
| Trailing P/E | 6.6× | 11.7× | 2nd cheapest of 19 |
| ROE the price implies | 3.2% | 8.1% | 2nd least demanding of 19 |
| ROE delivered | 10.0% | 9.2% | 8th highest of 20 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Xiamen Bank 601187.SS | China | $2.67B | -13% | 0% | 10% | 0.63× | 3.2% | 10.0% |
| First Bancorp FBNC | United States | $2.67B | +10% | +14% | 10% | 1.56× | 12.2% | 9.9% |
| Weihai Bank 9677.HK | Hong Kong | $2.70B | +5% | +6% | 9% | 0.64× | 4.5% | 9.2% |
| Dongguan Rural Commercial Bank 9889.HK | Hong Kong | $2.63B | -14% | 0% | 7% | 0.29× | 3.7% | 6.6% |
| Suruga Bank 8358.T | Japan | $2.73B | +10% | +13% | 14% | 1.32× | 8.2% | 13.7% |
| Bank of Hawaii BOH | United States | $2.73B | -13% | +1% | 14% | 1.84× | 13.0% | 13.6% |
| Union Bank of Taiwan 2838.TW | Taiwan | $2.75B | +2% | -9% | 8% | 1.06× | 3.7% | 8.5% |
| Trustmark TRMK | United States | $2.58B | 0% | -4% | 11% | 1.25× | 9.6% | 11.2% |
| Beacon Financial BBT | United States | $2.57B | +6% | +74% | 9% | 1.02× | 7.9% | 9.1% |
| Banner BANR | United States | $2.55B | +7% | +2% | 10% | 1.20× | 10.1% | 10.0% |
| Customers Bancorp CUBI | United States | $2.82B | +10% | +8% | 14% | 1.29× | 14.7% | 13.6% |
| Banc of California BANC | United States | $2.86B | -6% | -14% | 0% | 1.00× | 8.6% | -0.3% |
| North Pacific Bank 8524.T | Japan | $2.50B | +8% | +25% | 7% | 1.02× | 8.1% | 7.1% |
| BNK Financial 138930.KS | South Korea | $2.88B | -31% | +10% | 8% | 0.39× | 4.1% | n/a |
| Qingdao Rural Commercial Bank 002958.SZ | China | $2.47B | -2% | -9% | 8% | 0.41× | 2.5% | 7.9% |
| Stock Yards Bancorp SYBT | United States | $2.46B | +10% | +10% | 32% | 2.17× | n/a | 32.4% |
| Dah Sing Banking 2356.HK | Hong Kong | $2.45B | +5% | -8% | 8% | 0.53× | 5.5% | 7.5% |
| Valiant VATN.SW | Switzerland | $2.93B | -9% | -11% | 6% | 0.86× | n/a | 5.8% |
| Merchants Bancorp MBIN | United States | $2.38B | +12% | 0% | 14% | 1.23× | 12.6% | 13.6% |
| Banco di Desio e della Brianza BDB.MI | Italy | $2.37B | +80% | +2% | 9% | 1.41× | 12.0% | 9.0% |
| Cembra Money Bank CMBN.SW | Switzerland | $3.03B | -9% | -3% | 15% | 1.93× | 4.1% | 14.7% |