What is Shanghai Rural Commercial Bank Co., Ltd.'s (601825.SS) StockRank?

MoatMap's StockRank for Shanghai Rural Commercial Bank Co., Ltd. (601825.SS) is 27/100, with a Sell signal. This is a composite score combining Quality (33), Value (55), and Momentum (27) factor ranks across MoatMap's 20,000+ stock universe.

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

Shanghai Rural Commercial Bank Co., Ltd. (601825.SS) has a Quality factor score of 33/100. 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 Shanghai Rural Commercial Bank Co., Ltd. a buy, hold, or sell?

MoatMap's current signal for Shanghai Rural Commercial Bank Co., Ltd. (601825.SS) is Sell, based on a StockRank of 27/100. 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 Shanghai Rural Commercial Bank Co., Ltd. in?

Shanghai Rural Commercial Bank Co., Ltd. (601825.SS) operates in the Financial Services sector, specifically the Banks - Regional industry (China).

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601825.SS

SELLREMOVE

Shanghai Rural Commercial Bank Co., Ltd. · Financial Services · China · $11.7B · Avg Vol: $25M/d

StockRank

P/E (TTM)

6.7x

ROE

9.6%

D/E

—

Dividend %

4.9%

Director Trades · 180d

None in 180d →

Buybacks · 180d

None in 180d →

AI CONVICTION THESIS

Shanghai Rural Commercial Bank is a regional Chinese bank with low growth prospects and no alignment with our global macro themes. It is a value trap that we actively avoid.

COMPANY DESCRIPTION

Shanghai Rural Commercial Bank Co., Ltd. provides commercial banking services tailored to small and medium enterprises, agricultural businesses, and retail clients in the Shanghai metropolitan area. The bank benefits from its deep penetration in Shanghai's affluent suburban districts and strong relationships with local state-owned enterprises. It maintains robust asset quality and high capital adequacy ratios, reflecting the economic strength of its core geographic market.

FINANCIAL SUMMARY (USD)

Year	2022	2023	2024	2025	CAGR
Revenue	3.8B	3.9B	3.8B	3.7B	-0.4%
EPS	0.17	0.19	0.19	0.19	3.9%
Shares	9.6B	9.6B	9.6B	9.6B	0.0%
Debt	17.3B	20.3B	21.6B	29.2B	19.2%
Equity	15.0B	16.6B	18.3B	18.9B	7.9%
Op CF	18.5B	5.8B	7.6B	-1.7B	-36.0%
Inv CF	-14.9B	-9.4B	-2.8B	-2.5B	—
Fin CF	-533.4M	-190.4M	-4.0B	6.0B	—

PRICE (1Y)-8.0%

SMA 50SMA 200

$1.19

RSI (14)

34.1

52W High

$1.47

From 52W High

0.8%

SCORE BREAKDOWN

Quality

ROIC (ROA)

0.8%*33.2

ROE

9.6%46.4

GP/Assets

1.5%12.7

Op. Margin

73.3%86.9

FCF/Assets

—N/A

Piotroski

214.3

Int. Cover

—N/A

D/E Ratio

—N/A

Current Ratio

—N/A

Value

P/E (TTM)

6.7x85.1

EV/EBITDA

—N/A

P/FCF

—N/A

P/B

0.6x86.3

P/S

3.5x49.4

Div Yield

4.9%67.8

Momentum

52W High %

81%29.3

RS 6M

-22%19.1

SMA 50/200

1.00x33.4

EPS Rev 4W

—N/A

EPS Rev 12W

—N/A

EPS Improve

+5%25.3

Q Growth

1%30.7

FUNDAMENTALS

Market Cap

$11.7B

P/E (Forward)

6.4x

Gross Margin

0.0%

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of 601825.SS are excluded.

Ticker	Company	Mkt Cap	StockRank	Signal
601825.SS	Shanghai Rural Commercial Bank Co., Ltd.(you)	$11.7B	27	SELL
601916.SS	China Zheshang Bank Co., Ltd	$12.2B	31	SELL
601169.SS	Bank of Beijing Co., Ltd.	$15.8B	30	SELL
1988.HK	China Minsheng Banking Corp., Ltd.	$18.7B	24	SELL
601229.SS	Bank of Shanghai Co., Ltd.	$18.9B	33	SELL
600015.SS	Hua Xia Bank Co., Limited	$15.9B	37	HOLD
601818.SS	China Everbright Bank Company Limited	$27.0B	25	SELL
601077.SS	Chongqing Rural Commercial Bank Co., Ltd.	$10.7B	45	HOLD
002966.SZ	Bank of Suzhou Co., Ltd.	$5.1B	33	SELL
601009.SS	Bank of Nanjing Co., Ltd.	$19.8B	40	HOLD

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

Shanghai Rural Commercial Bank Co., Ltd. (601825.SS) — Stock Score Summary

Shanghai Rural Commercial Bank Co., Ltd. (601825.SS) has a MoatMap StockRank of 27/100 based on Quality (33/100), Value (55/100), and Momentum (27/100) factor scores. The current signal is SELL. Shanghai Rural Commercial Bank is a regional Chinese bank with low growth prospects and no alignment with our global macro themes. It is a value trap that we actively avoid.

Key Financial Metrics

Price	$1.19
Market Cap	$11.7B
P/E (TTM)	6.72
P/E (Forward)	6.39
Price/Book	0.63
Return on Equity	9.6%
Gross Margin	0.0%
Operating Margin	73.3%
Revenue Growth	-1.3%
Dividend Yield	4.9%

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

Frequently Asked Questions

What is Shanghai Rural Commercial Bank Co., Ltd.’s (601825.SS) StockRank?: MoatMap’s StockRank for Shanghai Rural Commercial Bank Co., Ltd. (601825.SS) is 27/100, with a Sell signal. It is a composite of Quality (33), Value (55), and Momentum (27) factor ranks across MoatMap’s 20,000+ stock universe.
Does Shanghai Rural Commercial Bank Co., Ltd. have an economic moat?: Shanghai Rural Commercial Bank Co., Ltd. (601825.SS) has a Quality factor score of 33/100. 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 Shanghai Rural Commercial Bank Co., Ltd. a buy, hold, or sell?: MoatMap’s current signal for Shanghai Rural Commercial Bank Co., Ltd. (601825.SS) is Sell, based on a StockRank of 27/100. 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 Shanghai Rural Commercial Bank Co., Ltd. in?: Shanghai Rural Commercial Bank Co., Ltd. (601825.SS) operates in the Financial Services sector, specifically the Banks - Regional industry (China).