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Chongqing Rural Commercial Bank Co., Ltd. CRCBY

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39.00 USD 0.00 (+0.00%)

At closeNov 3, 2026, 4:00 PM EST

43.05 Day range 43.05
33.84 52-week range 43.05
YTD
+15.28%
1 year
+15.28%

Financial health

Altman Z-Score

0.07 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

6 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B3 / 5 overall

  • DCF 2
  • Return on Equity 2
  • Return on Assets 2
  • Debt / Equity 1
  • P/E 5
  • P/B 5

Valuation

P/E 0.1×
FY 2016: 7.2×FY 2017: 5.1×FY 2018: 4.3×FY 2019: 3.8×FY 2020: 3.4×FY 2021: 2.5×FY 2022: 2.7×FY 2023: 0.1×FY 2024: 3.8×FY 2025: 0.1×
FY 2016 5y median 2.5× FY 2025
P/S 0.0×
FY 2016: 3.0×FY 2017: 2.3×FY 2018: 2.0×FY 2019: 1.5×FY 2020: 1.6×FY 2021: 0.4×FY 2022: 1.3×FY 2023: 1.3×FY 2024: 1.6×FY 2025: 0.0×
FY 2016 5y median 1.3× FY 2025
P/B 0.0×
FY 2016: 1.1×FY 2017: 0.7×FY 2018: 0.6×FY 2019: 0.4×FY 2020: 0.3×FY 2021: 0.2×FY 2022: 0.2×FY 2023: 0.3×FY 2024: 0.3×FY 2025: 0.0×
FY 2016 5y median 0.2× FY 2025
P/FCF 0.1×
FY 2016: 10.6×FY 2017: -2.3×FY 2018: -0.5×FY 2019: 1.6×FY 2020: 0.7×FY 2021: 0.6×FY 2022: 0.4×FY 2023: 1.2×FY 2024: 10.5×FY 2025: 0.1×
FY 2016 5y median 0.6× FY 2025
EV/EBITDA 29.4×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 0.0×FY 2020: -20.8×FY 2021: 6.7×FY 2022: 4.2×FY 2023: 20.6×FY 2024: -11.7×FY 2025: 29.4×
FY 2016 5y median 6.7× FY 2025
EV/Sales 8.5×
FY 2016: 2.2×FY 2017: -9.4×FY 2018: -10.2×FY 2019: -6.7×FY 2020: -11.8×FY 2021: 1.4×FY 2022: 2.5×FY 2023: 12.2×FY 2024: -5.8×FY 2025: 8.5×
FY 2016 5y median 2.5× FY 2025
FCF Yield 1577.2%
FY 2016: 9.5%FY 2017: -43.9%FY 2018: -207.6%FY 2019: 61.9%FY 2020: 146.5%FY 2021: 167.0%FY 2022: 253.6%FY 2023: 83.6%FY 2024: 9.6%FY 2025: 1577.2%
FY 2016 5y median 167.0% FY 2025

Profitability

Gross Margin 46.2%
FY 2016: 100.0%FY 2017: 100.0%FY 2018: 100.0%FY 2019: 78.9%FY 2020: 100.0%FY 2021: 35.4%FY 2022: 100.0%FY 2023: 121.8%FY 2024: 100.0%FY 2025: 46.2%
FY 2016 5y median 100.0% FY 2025
Operating Margin 27.0%
FY 2016: 61.2%FY 2017: 62.6%FY 2018: 99.6%FY 2019: 78.9%FY 2020: 73.0%FY 2021: 20.7%FY 2022: 57.1%FY 2023: 55.4%FY 2024: 66.0%FY 2025: 27.0%
FY 2016 5y median 55.4% FY 2025
Net Margin 23.9%
FY 2016: 41.7%FY 2017: 44.2%FY 2018: 45.5%FY 2019: 38.4%FY 2020: 46.7%FY 2021: 16.9%FY 2022: 48.7%FY 2023: 49.5%FY 2024: 41.6%FY 2025: 23.9%
FY 2016 5y median 41.6% FY 2025
ROE 9.0%
FY 2016: 15.1%FY 2017: 14.0%FY 2018: 12.8%FY 2019: 11.1%FY 2020: 9.0%FY 2021: 9.1%FY 2022: 9.0%FY 2023: 9.4%FY 2024: 8.7%FY 2025: 9.0%
FY 2016 5y median 9.0% FY 2025
ROIC 0.7%
FY 2016: 1.7%FY 2017: 1.7%FY 2018: 2.7%FY 2019: 2.7%FY 2020: 11.2%FY 2021: 11.1%FY 2022: 11.8%FY 2023: 0.5%FY 2024: 1.4%FY 2025: 0.7%
FY 2016 5y median 1.4% FY 2025
ROA 0.7%
FY 2016: 1.0%FY 2017: 1.0%FY 2018: 1.0%FY 2019: 0.9%FY 2020: 0.7%FY 2021: 0.8%FY 2022: 0.8%FY 2023: 0.8%FY 2024: 0.8%FY 2025: 0.7%
FY 2016 5y median 0.8% FY 2025

Growth (YoY)

Revenue 78.1%
FY 2016: 2.3%FY 2017: 6.2%FY 2018: -1.6%FY 2019: 27.7%FY 2020: -29.3%FY 2021: 214.5%FY 2022: -62.7%FY 2023: 4.3%FY 2024: 25.7%FY 2025: 78.1%
FY 2016 FY 2025
Operating Income -27.1%
FY 2016: 1.1%FY 2017: 8.7%FY 2018: 56.4%FY 2019: 1.2%FY 2020: -34.6%FY 2021: -11.1%FY 2022: 3.3%FY 2023: 1.1%FY 2024: 49.9%FY 2025: -27.1%
FY 2016 FY 2025
EPS (diluted) 5042.4%
FY 2016: 9.0%FY 2017: 10.6%FY 2018: -3.2%FY 2019: 4.4%FY 2020: -22.1%FY 2021: 13.5%FY 2022: 6.0%FY 2023: 5180.9%FY 2024: -97.9%FY 2025: 5042.4%
FY 2016 FY 2025
Free Cash Flow 312.7%
FY 2016: -93.6%FY 2017: -474.8%FY 2018: -306.0%FY 2019: 128.1%FY 2020: 80.7%FY 2021: -3.0%FY 2022: 74.2%FY 2023: -65.3%FY 2024: -83.2%FY 2025: 312.7%
FY 2016 FY 2025

Financial Health

Current Ratio 0.4×
FY 2016: 92.7×FY 2017: 71.0×FY 2018: 43.3×FY 2019: 44.4×FY 2020: 0.5×FY 2021: 0.3×FY 2022: 0.2×FY 2023: 0.1×FY 2024: 0.5×FY 2025: 0.4×
FY 2016 5y median 0.3× FY 2025
Quick Ratio 0.4×
FY 2016: 92.7×FY 2017: 71.0×FY 2018: 43.3×FY 2019: 44.4×FY 2020: 0.5×FY 2021: 0.3×FY 2022: 0.2×FY 2023: 0.1×FY 2024: 0.5×FY 2025: 0.4×
FY 2016 5y median 0.3× FY 2025
Debt / Equity 3.6×
FY 2016: 4.1×FY 2017: 0.1×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.2×FY 2021: 2.1×FY 2022: 1.5×FY 2023: 3.5×FY 2024: 0.1×FY 2025: 3.6×
FY 2016 5y median 2.1× FY 2025
Net Debt / EBITDA 29.3×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 0.0×FY 2020: -23.5×FY 2021: 4.6×FY 2022: 2.0×FY 2023: 18.4×FY 2024: -14.8×FY 2025: 29.3×
FY 2016 5y median 4.6× FY 2025
Interest Coverage 0.6×
FY 2016: 0.9×FY 2017: 0.7×FY 2018: 1.0×FY 2019: 0.9×FY 2020: 0.6×FY 2021: 0.5×FY 2022: 0.5×FY 2023: 0.5×FY 2024: 0.7×FY 2025: 0.6×
FY 2016 5y median 0.5× FY 2025

Dividends

Dividend Yield 345.9%
FY 2016: 3.0%FY 2017: 4.3%FY 2018: 5.1%FY 2019: 5.3%FY 2020: 9.2%FY 2021: 10.4%FY 2022: 10.9%FY 2023: 11.4%FY 2024: 8.2%FY 2025: 345.9%
FY 2016 5y median 10.9% FY 2025
Payout Ratio 31.5%
FY 2016: 21.7%FY 2017: 22.0%FY 2018: 22.2%FY 2019: 20.4%FY 2020: 31.1%FY 2021: 26.4%FY 2022: 29.5%FY 2023: 30.5%FY 2024: 30.5%FY 2025: 31.5%
FY 2016 5y median 30.5% FY 2025

Annual · latest fiscal year ends 2025-12-31