Bank of Tianjin Co., Ltd.

HK$1.97As of Sun 8 Nov 2026, 12:00 UTC

HKEX:1578Financials

Country Hong Kong

PE (Fwd) •••

TSR 10Y CAGR (7.40%)

Div yield 8.12%

ROTE 5.21%

Banks (Regional)

Beta (5Y) (0.08)

PE TTM 2.788

TSR TTM (17.85%)

Mkt cap HK$11.93B

NIM —

SE Grade™

—

Value

Quality

Moat

Consensus

Reference

$2.36

20.28%

32.66%

Hold 11|3|5|12|9

TTM

FYE 31 Dec CNY

FY2016

FY2017

FY2018

FY2019

FY2020

FY2021

FY2022

FY2023

FY2024

FY2025

FY2026E

Trend

10Y

Peers

1.617

Revenue¥B

3.302

3.283

3.268

3.256

3.338

3.280

3.342

3.341

3.302

3.351

1.696

0.08%

0.18%

5.84

Revenue growth%

22.86

25.49

25.45

22.49

19.66

21.73

24.08

24.06

21.58

24.18

9.98

24.06

23.46

29.50

NIM%

0.70

0.40

1.11

0.50

2.58

4.67

4.51

5.30

8.24

5.44

15.17

5.30

3.55

19.06

Effic. R.%

29.38

30.03

31.14

29.67

31.33

32.24

32.20

32.38

34.29

34.90

22.93

32.38

31.77

16.53

Net margin%

7.28

10.21

10.47

13.42

15.97

13.56

15.72

16.08

13.60

12.86

6.91

13.60

13.49

7.302

P/E ratio (avg)x

24.63

25.92

27.99

26.88

26.11

24.60

26.96

24.95

24.19

24.52

18.47

24.60

25.43

16.39

P/TBVx

27.34

27.76

27.20

30.20

32.40

36.93

40.26

41.13

46.35

46.59

33.29

41.13

34.67

22.92

P/Bx

42.77

41.82

48.33

51.29

59.63

65.72

75.67

83.29

96.08

107.1

32.66

83.29

62.68

2.603

NII¥B

2.140

2.130

2.118

2.108

2.192

2.165

2.181

2.176

2.189

2.221

1.878

0.26%

0.37%

—

5.81

NII grth%

13.95

12.53

10.39

8.96

8.02

5.44

5.29

4.61

5.69

6.10

18.20

5.44

7.06

27.28

ROTE%

15.19

13.62

16.31

17.67

17.22

15.52

17.10

19.53

22.10

24.86

27.30

19.53

17.16

12.51

Return on equity%

4.78

2.78

3.96

4.46

6.40

3.74

5.76

8.13

8.34

9.09

12.99

8.13

5.27

13.78

Return on assets%

18.49

19.32

18.75

20.08

20.94

18.07

19.68

17.40

16.79

16.02

24.92

17.40

18.62

0.14

EPS¥

0.21

0.20

0.19

0.20

0.22

0.23

0.26

0.28

0.26

0.24

0.15

1.57%

0.80%

—

29.33

EPS growth%

20.85

21.22

23.75

21.23

21.49

19.94

21.76

20.24

21.08

18.91

19.06

20.24

21.15

0.14

Bookvalue per sh¥

0.43

0.47

0.51

0.48

0.49

0.46

0.54

0.55

0.13

2.85%

3.19%

—

0.05

TBV/sh¥

0.19

0.20

0.17

0.16

0.15

0.16

0.15

0.13

0.14

0.21

(0.93%)

(2.99%)

—

0.21

Dividend per sh¥

0.05

0.06

0.07

0.21

3.92%

3.49%

—

20.96

Div yield (avg)%

3.71

2.45

1.57

0.57

0.40

2.55

0.40

27.48

Payout ratio%

11.05

11.88

13.24

13.52

12.60

14.05

13.47

10.96

9.94

11.74

18.95

11.74

12.24

6.147

Shares (diluted)B

5.778

6.394

6.699

5.892

5.271

4.668

4.646

4.400

4.091

3.613

6.009

(7.27%)

(3.76%)

3.00

Buyback yield%

0.47

2.11

2.42

0.40

1.44

0.60

0.40

10.51

0.40

0.44

29.35

Eq/Assets%

50.48

50.87

57.19

60.27

57.96

65.70

64.89

64.44

64.36

61.76

93.34

64.44

61.01

2.820

Assets¥B

8.084

8.853

9.514

10.16

10.88

11.29

11.64

12.51

14.19

15.64

1.920

7.53%

0.694

LT debt¥B

1.020

1.076

1.013

1.041

0.933

0.890

0.923

0.906

0.913

0.928

0.452

(0.11%)

(1.04%)

Peers (US$1.522B)

Cap (US$)

Zhejiang Shaoxing…

1.597B

5.377x

Yibin City Commercial…

1.548B

19.12x

Jiangsu Suzhou Rural…

1.494B

4.809x

Esquire Financial…

1.523B

21.43x

Capital

TTM

10Y

Tang eq%

93.34

4.85

4.86

LT debt%

24.60

7.24

8.25

Cash%

75.07

18.76

18.64

Sh yield%

23.96

0.80

0.98

Owners

Insiders/Inst%

3.92

72.39

Short interest%

4.09

SBC / revenue%

3.92

Record

10Y

Profitable years

10/10

Revenue growth years

10/10

EPS growth years

10/10

Dividend streakyrs

ROE range%

3–9

$1 testx

0.4

Incr. ROIC%

—

Bank of Tianjin Co., Ltd. provides banking and related financial services in the People’s Republic of China. The company operates through Corporate Banking, Personal Banking, and Treasury Operations segments. The Corporate Banking segment offers corporate loans, trade financing, deposit takings, and other corporate intermediary services to corporations, government agencies, and financial institutions.

Growth vs revenue

Latest

Trend

10Y CAGR

Rel growth

Total assets

¥15.64B

7.53%

2.03×

Revenue

¥3.351B

0.18%

1.00×

Non-interest expense

¥1.547B

0.12%

0.99×