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
43.05
USD
+4.05
- -
281.76MMarket Cap
Chongqing Rural Commercial Bank Co., Ltd.
CRCBY
(Other OTC)

Recent

price

43.05

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
56.56
55.01
70.5
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
- -
Revenue per Share
22.36
22.84
28.83
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
- -
Basic EPS, GAAP
-231.21
-35.4
112.3
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
- -
Free Cash Flow per Basic Share
2.68
2.2
7
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
- -
Dividend per Share
85.07
70.46
75.73
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
253.67
Book Value per Share
159.99
145.63
168
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
- -
Tangible Book Value per Share
137
186
186
186
186
186
186
190
200
206
227
227
227
227
227
227
231
Basic Weighted Avg Shares
7,745
10,229
13,112
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
- -
Sales/Revenue/Turnover
49.51
- -
57.8
60.5
52.15
51.38
69.26
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
331
347
374
493
581
659
697
806
751
782
850
851
820
857
877
885
- -
Depreciation Expense
3,061
4,246
5,361
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
- -
Net Income, GAAP
23.2
22.72
23.91
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
- -
Effective Tax Rate (%)
39.53
41.52
40.89
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
- -
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
2,300
2,300
2,300
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
- -
LT Debt
22,348
28,011
32,216
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
- -
Total Equity
15.88
- -
17.24
18.23
15.22
10.82
10.02
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
31.05
34.31
39.44
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
- -
Return on Common Equity (%)

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
- -
- -
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
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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.