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Rural commercial bank serving retail and SME customers in Dongguan, Guangdong province.
Rural commercial bank serving retail and SME customers in Dongguan, Guangdong province.
Earns the spread between interest on loans and the cost of deposits. Dongguan is a manufacturing hub, so small manufacturers and trading firms are natural borrowers. Rural commercial banks were converted from rural credit cooperatives.
In one line: A Chinese rural/community bank.
Moat: narrow (regulatory licence, distribution). Dense branch network and local lending relationships built around its home region.
Headquarters: Dongguan, China · Founded: 2009 · Employees: 7,802
Size Dongguan Rural Commercial Bank (9889.HK) is a Hong Kong Financials company (Regional Banks) with a market value of $2.63B, the 372nd largest of 891 Hong Kong companies the cockpit tracks. Shares closed at HK$2.99 on 6 Nov 2026.
Performance Over six months the shares fell 14.3%, against +5.6% for the median peer and -13.4% for the Hong Kong market (cap-weighted) — 2nd lowest of 21 in its peer set.
Growth Revenue grew 0.1% over the last twelve months (peer median +1.7%); the operating margin is 28.6% (peer median 36.8%).
Valuation It trades at 0.29× book value against a peer median of 1.04× (cheapest of 21).
Price implies The share price implies a return on equity of about 3.7%; Dongguan Rural Commercial Bank delivers 6.6%, so the price asks less than the business earns today.
Next results Next results expected around 29 Mar 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | HK$25.6B | HK$25.0B | HK$27.5B | HK$28.7B | HK$29.3B |
| Revenue growth | — | -9% | -4% | -2% | — |
| Net income | HK$4.51B | HK$4.18B | HK$5.01B | HK$5.70B | HK$6.90B |
| Free cash flow | -HK$17.0B | -HK$24.5B | -HK$13.9B | -HK$5.50B | HK$6.01B |
| Capital expenditure | HK$436M | HK$408M | HK$274M | HK$227M | HK$394M |
| Total debt | n/a | HK$191B | HK$156B | HK$165B | HK$148B |
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 |
|---|---|---|---|---|---|---|
| Dongguan Rural Commercial Bank 9889.HK | $2.63B | -14% | 0% | 7% | 0.29× | 3.7% |
| Bank of Qingdao 3866.HK | $4.84B | +6% | +12% | 14% | 0.57× | 6.1% |
| Bank of Guizhou 6199.HK | $1.77B | -4% | -2% | 8% | 0.24× | 3.6% |
| 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% |
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 | 9889.HK | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | -5.4% | +0.4% | 4th lowest of 21 |
| 6-month return | -14.3% | +5.6% | 2nd lowest of 21 |
| Return on equity | 6.6% | 9.5% | 3rd lowest of 21 |
| Price / book | 0.29× | 1.04× | cheapest of 21 |
| Trailing P/E | 4.6× | 11.6× | cheapest of 19 |
| ROE the price implies | 3.7% | 8.4% | 3rd least demanding of 19 |
| ROE delivered | 6.6% | 9.8% | 3rd lowest of 20 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Dongguan Rural Commercial Bank 9889.HK | Hong Kong | $2.63B | -14% | 0% | 7% | 0.29× | 3.7% | 6.6% |
| Xiamen Bank 601187.SS | China | $2.67B | -13% | 0% | 10% | 0.63× | 3.2% | 10.0% |
| Trustmark TRMK | United States | $2.58B | 0% | -4% | 11% | 1.25× | 9.6% | 11.2% |
| First Bancorp FBNC | United States | $2.67B | +10% | +14% | 10% | 1.56× | 12.2% | 9.9% |
| Beacon Financial BBT | United States | $2.57B | +6% | +74% | 9% | 1.02× | 7.9% | 9.1% |
| Weihai Bank 9677.HK | Hong Kong | $2.70B | +5% | +6% | 9% | 0.64× | 4.5% | 9.2% |
| Banner BANR | United States | $2.55B | +7% | +2% | 10% | 1.20× | 10.1% | 10.0% |
| 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% |
| North Pacific Bank 8524.T | Japan | $2.50B | +8% | +25% | 7% | 1.02× | 8.1% | 7.1% |
| 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% |
| 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% |
| BNK Financial 138930.KS | South Korea | $2.88B | -31% | +10% | 8% | 0.39× | 4.1% | n/a |
| 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% |
| Valiant VATN.SW | Switzerland | $2.93B | -9% | -11% | 6% | 0.86× | n/a | 5.8% |
| First Busey BUSE | United States | $2.33B | +8% | +17% | 10% | 1.03× | 8.8% | 9.8% |