1. People's Republic of China Stocks

  2. •

    Financial Services

  3. •

    Banks - Regional
Chongqing Rural Commercial Bank Co., Ltd.

Chongqing Rural Commercial Bank Co., Ltd.

CRCBY
Chongqing Rural Commercial Bank Co., Ltd.US flagOther OTC
39.00
USD
- -
- -
255.26MMarket Cap
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
80.93
93.86
100.2
102.55
106.66
130.59
123.71
119.98
136.54
127.15
118.04
121.88
124.68
- -
Basic EPS, GAAP
32.21
36.71
38.83
42.71
47.06
45.29
47.48
36.99
42.09
45.24
48
50.69
53.4
- -
Free Cash Flow per Basic Share
27.47
256.25
453.33
28.91
-106.14
-409.07
111.95
183.06
177.64
309.46
169.16
18.08
-5.99
- -
Dividend per Share
8.5
9.49
9.98
9.29
10.37
10.07
9.68
11.52
11.1
13.33
14.62
15.47
16.37
- -
Book Value per Share
81.99
100.82
116.94
137.62
164.55
179.74
212.68
208.26
227.45
246.69
270.17
285.48
312.28
302.74
Tangible Book Value per Share
192.43
225.07
254.25
286.13
338.46
355.34
432.14
413.88
464.16
503.81
541.02
585.59
610.7
597.41
Basic Weighted Avg Shares
186
186
186
186
190
200
206
227
227
227
227
227
227
231
Sales/Revenue/Turnover
15,054
17,458
18,638
19,075
20,252
26,117
25,433
27,252
31,014
28,880
26,811
27,683
28,321
- -
Operating Margin (%)
60.5
52.15
51.38
69.26
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
493
581
659
697
806
751
782
850
851
820
857
877
885
- -
Net Income, GAAP
5,991
6,828
7,223
7,945
8,936
9,058
9,760
8,401
9,560
10,276
10,902
11,513
12,128
- -
Effective Tax Rate (%)
24.02
25.21
24.61
24.83
24.68
22.15
18.35
14.89
13.23
9.36
8.78
8.02
9.41
- -
Profit Margin (%)
39.8
39.11
38.76
41.65
44.12
34.68
38.38
30.83
30.82
35.58
40.66
41.59
42.83
- -
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
2,300
5,000
34,847
58,487
103,901
159,609
171,532
173,363
225,427
171,728
120,721
172,631
190,704
186,002
Total Equity
36,889
42,848
48,288
54,190
65,246
72,149
89,802
95,072
106,484
115,456
123,942
134,049
139,736
139,296
Return on Invested Capital (%)
18.23
15.22
10.82
10.02
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
40.84
40.16
35.67
33.56
31.44
26.96
24.5
18.46
19.32
19.08
18.57
18.24
17.87
- -

Capital Structure

FRC

•

in mil. unless spec.
Dec'24
Mar'25
Jun'25
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
11,357
- -
11,357
Market Capitalization
43,846
43,601
56,112

Working Capital

FRC

•

in mil. unless spec.
Dec'24
Mar'25
Jun'25
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
162,677
- -
194,033
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
11.37%
8.03%
4.24%
Free Cash Flow
-50.65%
-39.3%
-133.11%
Net Income, GAAP
5.6%
7.67%
5.35%
Sales/Revenue/Turnover
4.73%
1.06%
2.3%
Total Cash Common Dividend
7.74%
7.55%
5.77%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
7,021
- -
26,811
2024
- -
- -
- -
- -
27,683
2025
- -
- -
- -
- -
28,321

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
12.5
- -
48
2024
- -
- -
- -
- -
50.69
2025
- -
- -
- -
- -
53.4

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
0.86
- -
14.62
2024
- -
- -
- -
- -
15.47
2025
- -
- -
- -
- -
16.37

Company Description

APIChatGPT
CEO
Xiaojun Liu
Full Time Employees
14,266
Sector
Financial Services
Industry
Banks - Regional
Address
No. 36 Jinshamen Road Chongqing CH People's Republic of China 400023
IPO Date
Apr 27, 2015
CIK
0001553915
Website
cqrcb.com
Similar Companies
The Bank of East Asia, Limited (0023.HK)
Heartland Financial USA, Inc. (HTLF)
Basellandschaftliche Kantonalbank (0QQ4.L)
Silvergate Capital Corporation (SICP)
The Bank of East Asia, Limited (BKEAF)
Nordfyns Bank A/S (NRDF.CO)
Business
Chongqing Rural Commercial Bank Co., Ltd. (CRCBY) operates as a regional commercial bank primarily serving individuals, small and medium-sized enterprises, and rural customers in China. The bank offers a comprehensive suite of financial products and services, including corporate deposits and loans; personal deposits, loans, and wealth management products; settlement and clearing services; bank cards; insurance agency services; and internet banking platforms. It also provides interbank lending, debt instruments trading, and bill acceptance and discounting, with operations concentrated in Chongqing municipality and selective expansion into surrounding regions. Founded in 2008 through the merger of 14 rural credit cooperatives, the bank maintains its headquarters in Chongqing, China, and functions as a key player in the rural financial sector without notable subsidiaries or parent affiliations. In recent developments, Chongqing Rural Commercial Bank has pursued strategic enhancements, including digital banking initiatives and partnerships with fintech firms to bolster its online services amid China's push for financial inclusion; it reported steady asset growth in its 2024 annual results, reflecting resilience in a competitive market. The bank continues to focus on risk management and sustainable lending practices, aligning with national rural revitalization policies.