What is Qingdao Rural Commercial Bank Co., Ltd.'s (002958.SZ) StockRank?

MoatMap's StockRank for Qingdao Rural Commercial Bank Co., Ltd. (002958.SZ) is 19/100, with a Strong Sell signal. This is a composite score combining Quality (31), Value (51), and Momentum (23) factor ranks across MoatMap's 20,000+ stock universe.

Does Qingdao Rural Commercial Bank Co., Ltd. have an economic moat?

Qingdao Rural Commercial Bank Co., Ltd. (002958.SZ) has a Quality factor score of 31/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the financial characteristics of a moated business.

Is Qingdao Rural Commercial Bank Co., Ltd. a buy, hold, or sell?

MoatMap's current signal for Qingdao Rural Commercial Bank Co., Ltd. (002958.SZ) is Strong Sell, based on a StockRank of 19/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.

What sector is Qingdao Rural Commercial Bank Co., Ltd. in?

Qingdao Rural Commercial Bank Co., Ltd. (002958.SZ) operates in the Financial Services sector, specifically the Banks - Regional industry (China).

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002958.SZ

STRONG SELLREMOVE

Qingdao Rural Commercial Bank Co., Ltd. · Financial Services · China · $2.3B · Avg Vol: $18M/d

StockRank

P/E (TTM)

6.5x

ROE

—

D/E

—

Dividend %

—

Director Trades · 180d

None in 180d →

Buybacks · 180d

None in 180d →

AI CONVICTION THESIS

Qingdao Rural Commercial Bank is a regional Chinese bank. It has significant exposure to local government financing vehicles and real estate debt, presenting high tail risk without asymmetric upside.

COMPANY DESCRIPTION

Qingdao Rural Commercial Bank Co., Ltd. provides comprehensive banking services to rural, agricultural, and small-to-medium enterprise (SME) sectors in Qingdao. The bank holds a dominant market share in Qingdao's rural and suburban financial markets, supported by a dense branch network. It is a leading rural commercial bank focused on agricultural modernization and local SME financing.

FINANCIAL SUMMARY (USD)

Year	2022	2023	2024	2025	CAGR
Revenue	1.5B	1.5B	1.6B	1.5B	0.1%
EPS	0.05	0.06	0.07	0.08	12.0%
Shares	5.6B	5.6B	5.6B	5.6B	+0.0%
Debt	12.6B	13.3B	12.4B	11.9B	-1.9%
Equity	5.3B	5.6B	6.0B	6.7B	8.2%
Op CF	291.8M	2.4B	956.7M	-1.7B	81.1%
Inv CF	1.2B	-2.4B	568.7M	1.6B	—
Fin CF	-1.6B	109.5M	-752.9M	-475.5M	—

PRICE (1Y)-5.7%

SMA 50SMA 200

$0.41

RSI (14)

38.6

52W High

$0.57

From 52W High

0.7%

SCORE BREAKDOWN

Quality

ROIC (ROA)

—N/A

ROE

—N/A

GP/Assets

1.0%7.0

Op. Margin

65.9%83.6

FCF/Assets

—N/A

Piotroski

446.1

Int. Cover

—N/A

D/E Ratio

—N/A

Current Ratio

—N/A

Value

P/E (TTM)

6.5x85.9

EV/EBITDA

—N/A

P/FCF

—N/A

P/B

0.4x93.5

P/S

3.2x55.9

Div Yield

—N/A

Momentum

52W High %

72%19.3

RS 6M

-19%22.9

SMA 50/200

0.94x18.6

EPS Rev 4W

—N/A

EPS Rev 12W

—N/A

EPS Improve

0%20.8

Q Growth

6%38.4

FUNDAMENTALS

Market Cap

$2.3B

P/E (Forward)

6.5x

Gross Margin

0.0%

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of 002958.SZ are excluded.

Ticker	Company	Mkt Cap	StockRank	Signal
002958.SZ	Qingdao Rural Commercial Bank Co., Ltd.(you)	$2.3B	19	STRONG SELL
002936.SZ	Bank of Zhengzhou Co., Ltd.	$2.3B	19	STRONG SELL
600928.SS	Bank of Xi'an Co.,Ltd.	$2.2B	23	SELL
001227.SZ	Bank of Lanzhou Co., Ltd.	$1.8B	19	STRONG SELL
1216.HK	Zhongyuan Bank Co., Ltd.	$1.4B	20	STRONG SELL
601528.SS	Zhejiang Shaoxing RuiFeng Rural Commercial Bank Co.,Ltd	$1.3B	18	STRONG SELL
601187.SS	Xiamen Bank Co., Ltd.	$2.9B	31	SELL
9668.HK	China Bohai Bank Co., Ltd.	$1.6B	10	STRONG SELL
600908.SS	Wuxi Rural Commercial Bank Co.,Ltd	$1.7B	32	SELL
1578.HK	Bank of Tianjin Co., Ltd.	$1.7B	33	SELL

Peer medians: ROE 8.2% · P/E 8.3x · Gross margin 36.1%

Qingdao Rural Commercial Bank Co., Ltd. (002958.SZ) — Stock Score Summary

Qingdao Rural Commercial Bank Co., Ltd. (002958.SZ) has a MoatMap StockRank of 19/100 based on Quality (31/100), Value (51/100), and Momentum (23/100) factor scores. The current signal is STRONG SELL. Qingdao Rural Commercial Bank is a regional Chinese bank. It has significant exposure to local government financing vehicles and real estate debt, presenting high tail risk without asymmetric upside.

Key Financial Metrics

Price	$0.41
Market Cap	$2.3B
P/E (TTM)	6.49
P/E (Forward)	6.49
Price/Book	0.42
Gross Margin	0.0%
Operating Margin	65.9%
Revenue Growth	9.1%

Qingdao Rural Commercial Bank Co., Ltd. operates in the Banks - Regional industry, part of the Financial Services sector (China).

Frequently Asked Questions

What is Qingdao Rural Commercial Bank Co., Ltd.’s (002958.SZ) StockRank?: MoatMap’s StockRank for Qingdao Rural Commercial Bank Co., Ltd. (002958.SZ) is 19/100, with a Strong Sell signal. It is a composite of Quality (31), Value (51), and Momentum (23) factor ranks across MoatMap’s 20,000+ stock universe.
Does Qingdao Rural Commercial Bank Co., Ltd. have an economic moat?: Qingdao Rural Commercial Bank Co., Ltd. (002958.SZ) has a Quality factor score of 31/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is Qingdao Rural Commercial Bank Co., Ltd. a buy, hold, or sell?: MoatMap’s current signal for Qingdao Rural Commercial Bank Co., Ltd. (002958.SZ) is Strong Sell, based on a StockRank of 19/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.
What sector is Qingdao Rural Commercial Bank Co., Ltd. in?: Qingdao Rural Commercial Bank Co., Ltd. (002958.SZ) operates in the Financial Services sector, specifically the Banks - Regional industry (China).