601077:SSEChongqing Rural Commercial Bank Co. Ltd. Class A Analysis
Data as of 2026-08-02 - not real-time
CN¥6.76
Latest Price
6/10Risk
Risk Level: Medium
Executive Summary
The stock is trading at 6.76 CNY, just above its 20‑day SMA of 6.59 and below the 200‑day SMA of 6.73, indicating a neutral trend. Technicals show a bullish MACD histogram (+0.022) and a mid‑range RSI of 56, while volume is increasing, suggesting modest upside momentum.
Fundamentals reveal a PE of 6.44 versus an industry average of 18, a PB of 0.56 and a dividend yield of 4.75% with a payout ratio of 29%, pointing to an attractive value proposition. However, operating cash flow is negative and total debt exceeds cash, raising concerns about liquidity and leverage, especially under China’s tight banking regulations.
Fundamentals reveal a PE of 6.44 versus an industry average of 18, a PB of 0.56 and a dividend yield of 4.75% with a payout ratio of 29%, pointing to an attractive value proposition. However, operating cash flow is negative and total debt exceeds cash, raising concerns about liquidity and leverage, especially under China’s tight banking regulations.
Market Outlook
Short Term
< 1 yearNeutral
Model confidence: 6/10
Key Factors
- Bullish MACD signal
- High dividend yield
- Price near short‑term resistance
Medium Term
1–3 yearsPositive
Model confidence: 7/10
Key Factors
- Significant valuation discount to peers
- Strong operating margins
- Sustainable dividend payout
Long Term
> 3 yearsNeutral
Model confidence: 6/10
Key Factors
- Low beta indicating stability
- Regulatory and leverage concerns
- Consistent dividend policy
Key Metrics & Analysis
Financial Health
Revenue Growth7.00%
Profit Margin52.18%
P/E Ratio6.4
ROE9.03%
ROA0.75%
P/B Ratio0.6
Op. Cash FlowCN¥-22306207744
Industry P/E18.0
Technical Analysis
TrendNeutral
RSI56.5
SupportCN¥6.24
ResistanceCN¥6.90
MA 20CN¥6.59
MA 50CN¥6.59
MA 200CN¥6.73
MACDBullish
VolumeIncreasing
Fear & Greed Index92.88
Valuation
GradeUndervalued
TypeValue
Dividend Yield4.75%
Risk Assessment
Beta0.09
Volatility29.27%
Sector RiskMedium
Reg. RiskHigh
Geo RiskMedium
Currency RiskLow
Liquidity RiskLow
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This analysis may contain inaccuracies and is provided for informational and research purposes only. It is not personal investment advice, a recommendation, or an instruction to buy, sell, or hold any asset.