A Look At Chongqing Rural Commercial Bank's Valuation After Its 2025 Final Dividend Approval

Simply Wall St.

May 30

AdvertisementDividend decision and board appointments set the tone Chongqing Rural Commercial Bank (SEHK:3618) has put income and governance in focus after shareholders approved a 2025 final cash ...

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The bank signed off on a final cash dividend of RMB 1.1755 per 10 shares, totaling RMB 1,335 million, with payment to H Shareholders scheduled for 27 July 2026, using a 15 June record date. See our latest analysis for Chongqing Rural Commercial Bank. The latest dividend decision comes as Chongqing Rural Commercial Bank's HK$6.36 share price reflects mixed momentum, with the share price return up 7.98% over 90 days and the 5 year total shareholder return near 3x, while shorter term moves have softened. If you are weighing dividend income against future growth stories, it can help to scan sectors that look very different to Chinese banking and broaden your search through 104 top founder-led companies With the stock up 7.98% over 90 days, a 5 year total return near 3x, and analyst targets sitting higher than the current HK$6.36 price, you need to ask: is there still upside here, or is future growth already priced in? Price-to-earnings of 5.2x: Is it justified? On a headline basis, Chongqing Rural Commercial Bank trades on a P/E of 5.2x, which sits above its own peer group average but below the wider Hong Kong Banks sector. The P/E ratio tells you how much investors are paying today for each unit of current earnings. For a bank with HK$23,607.523m in revenue and HK$12,080.346m in net income, a 5.2x multiple suggests the market is putting a relatively low absolute price on those earnings, even though it is paying a premium compared to the company’s closest peer set at 4.4x. Against the Hong Kong Banks industry average P/E of 5.7x, the stock trades at a discount. This signals the market is assigning a slightly lower earnings multiple than the sector overall, while still keeping it above its peer average. At the same time, the estimated fair P/E of 6.6x sits higher than both the current 5.2x and the sector level. The market could move towards that level if sentiment or earnings expectations change meaningfully. Explore the SWS fair ratio for Chongqing Rural Commercial Bank Result: Price-to-earnings of 5.2x (UNDERVALUED) However, recent 7 day and 30 day share price declines, along with the risk of shifts in China focused banking regulation, could quickly change how this valuation looks. Find out about the key risks to this Chongqing Rural Commercial Bank narrative. Another view: DCF suggests a bigger gap While the P/E of 5.2x hints at some value, the SWS DCF model presents a stronger contrast, valuing Chongqing Rural Commercial Bank at HK$6.36 compared to an estimated future cash flow value of HK$19.61. That is a steep gap, so is the market being cautious or overly pessimistic? Look into how the SWS DCF model arrives at its fair value. 3618 Discounted Cash Flow as at May 2026Simply Wall St performs a discounted cash flow (DCF) on every stock in the world every day (check out Chongqing Rural Commercial Bank for example). We show the entire calculation in full. You can track the result in your watchlist or portfolio and be alerted when this changes, or use our stock screener to discover 207 high quality undervalued stocks. If you save a screener we even alert you when new companies match - so you never miss a potential opportunity. Next Steps Mixed signals or early opportunity, either way the balance of risks and rewards here deserves a closer look. Move quickly, review the numbers for yourself and weigh up the 3 key rewards and 1 important warning sign. Looking for more investment ideas? If you stop here, you miss out on other stocks that could fit your style, so take a few minutes and widen your opportunity set.  Target income resilience by checking out companies we flag as 485 dividend fortresses that may align with your cash flow goals. Hunt for quality at a discount by reviewing the 207 high quality undervalued stocks that pass strict fundamental checks. Limit downside risk by focusing on 295 resilient stocks with low risk scores that combine steadier profiles with robust financials.   This article by Simply Wall St is general in nature. We provide commentary based on historical data\n        and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your\n        financial situation. We aim to bring you long-term focused analysis driven by fundamental data.\n        Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material.\n        Simply Wall St has no position in any stocks mentioned.New: AI Stock Screener & AlertsOur new AI Stock Screener scans the market every day to uncover opportunities.• Dividend Powerhouses (3%+ Yield)• Undervalued Small Caps with Insider Buying• High growth Tech and AI CompaniesOr build your own from over 50 metrics.Explore Now for FreeHave feedback on this article? Concerned about the content? Get in touch with us directly. Alternatively, email editorial-team@simplywallst.com","kind":"highlight","is_publish_news":true,"is_publish_highlight":false,"is_publish_live":false,"is_publish_wemedia":false,"editions":null,"column":"","sentiment":"0","news_tag":"shareholding","news_rank":0,"isVideo":false,"video":null,"symbols":[],"gpt_button":0,"need_auth":false,"need_login_tip":false,"code":"91000000","status":"200"}}}