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Bank of Qingdao Co Ltd (002948) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of Bank of Qingdao Co Ltd stock ¥7.49, price ¥6.24, upside +20.0%, quality 56 out of 100. Rating: undervalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services CN · ISIN CNE100003K38

BO Bank of Qingdao Co Ltd logo Thin data Nov 2, 2026

Bank of Qingdao Co Ltd

002948 · SHE
Undervalued, in an uptrend

The stock costs 17% less than our calculation considers fair.

Fair value ¥7.49 · Undervalued (17%)
Healthy Growth (revenue 5y +7.2 %/yr in CNY)
Highly profitable · 47.3% net margin (TTM)
2.9% dividend yield · Low payout
Ranks above peers (11/14)
Positive coverage
Costs just 6.1 times its yearly profit.
Quality 56/100
Wide moat 65/100 · thin data
Thin data
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

¥6.35 ¥2.62 Fair Value ¥7.49 May 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 2, 2026.

How to read this chart

60‑month range ¥2.62 – ¥6.35 · fair‑value band ¥6.39 – ¥10.39 · the ¥6.24 price screens below the ¥7.49 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 2, 2026.

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Company profile

Bank of Qingdao Co., Ltd. provides personal and corporate banking, and financial market services in the People's Republic of China. It operates through Corporate Banking, Retail Banking, and Financial Market Business segments.

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The company offers deposit and savings products; personal loans, corporate loans, Youth Easy loans; professional card services, investment and wealth management, and credit card lines; foreign exchange deposit and withdrawal services; foreign exchange settlement and sale, and foreign exchange outward and inward remittance; and agency services.

It also provides bill services and asset management solutions for enterprises, including bill acceptance, e-Bill subsidy, commercial bill, bill pool, and supply chain bill; trade financing, supply chain finance, and cash management; non-financial corporate debt financing instruments, credit financing plans, and direct financing instruments; and undertaking, underwriting, and duration management services.

In addition, the company offers self-service devices, ATMs, and cash deposit and withdrawal machines; letters of credit services and guarantees; safe deposit box services; bond settlement agency services; and commercial central treasury cash management.

Further, it is involved in the issuance of financial bonds; underwriting of government bonds and financial bonds; buying and selling government bonds, financial bonds, and corporate bonds; interbank lending and interbank deposit business; insurance business; sale of precious metals; and general derivatives trading business.

The company was formerly known as Qingdao City Commercial Bank Co., Ltd. and changed its name to Bank of Qingdao Co., Ltd. in 2008. Bank of Qingdao Co., Ltd. was founded in 1996 and is headquartered in Qingdao, the People's Republic of China.

Stock analysis

Bank of Qingdao Co Ltd (002948) currently trades at ¥6.24, while our model-based Fair Value estimate is ¥7.49, implying the stock looks roughly 17% undervalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of ¥10.65 per share, and 3 of the 6 models we run sit above the ¥6.24 price.

Bear case: the Dividend Discount group reads lowest at ¥3.11, and 3 of the 6 models stay below the price. Data coverage for this calculation is low.

Scenario range: ¥6.39 (bear) to ¥10.39 (bull), the price of ¥6.24 sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 56/100 (solid quality), in the Financial Services sector.

Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.

Bank of Qingdao Co Ltd reported revenue of 26.3B CNY in FY2025 versus 21.0B CNY in FY2021, a compound +5.8%/yr. Reported net income was 5.2B CNY in FY2025, compounding +15.4%/yr from FY2021.

Key figures

Market cap 36.3B CNY (≈ $5.4B) Mid · P/E ratio 6.1 · P/S ratio 2.99 · EPS (TTM) ¥0.9400 · Dividend yield 2.9% · Net margin 47.3% · Return on equity 11.8% · Return on assets (EBIT) 0.7% (5-year average).

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 65 out of 100 (low confidence).

What moves the price

The share trades about 2% below its 52-week high and 53% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at 20%, 002948 screens cheaper than that median.

Fair Value models

Bear ¥6.39 Fair Value ¥7.49 Bull ¥10.39
Price ¥6.24 · Upside +20.0%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then (¥0.6496 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Residual Income ¥6.39 ¥7.49 ¥10.39 75
Gordon GGM ¥1.73 ¥3.29 ¥4.76 65
DDM Multi-Stage ¥1.73 ¥2.92 ¥3.50 65
All 6 models by family
Dividend Discount
Gordon GGM ¥1.73 ¥3.29 ¥4.76 65
DDM Multi-Stage ¥1.73 ¥2.92 ¥3.50 65
Multiples
P/E Multiple ¥8.69 ¥11.59 ¥14.48 61
P/B Multiple ¥7.28 ¥9.71 ¥12.14 53
Asset-Based
NCAV (Graham) ¥3.47 ¥4.65 ¥6.94 52
Economic Profit
Residual Income ¥6.39 ¥7.49 ¥10.39 75

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Quality Score breakdown

Overall quality 56/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 32
How much profit the company makes from its sales and capital
Quality Growth 44
Are margins and returns getting better?
Cashflow 89
Do the profits arrive as real cash?
Financial strength 18
Debt, balance sheet and risk of trouble
Investment 67
Does it invest with discipline instead of growing at any price?
Low Volatility 69
How calm the share price moves, does not count
Price momentum 54
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 77
Distance to the 52-week high, does not count
New shares 78
Buys back shares or issues new ones?

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Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 79/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+6.2%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+6.4%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+7.2%
Start year 2020 (pandemic). Over 10 years: +10.8% a year
Revenue growth 17 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+17.6%
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+15.5%
Earnings growth per share plus dividend.
Earnings per share, growth per year+12.6%
Dividend (yield on the price)2.9%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.12.6% vs 4.6%, picking up
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.15% → 24%
Pace: the 5-year rate starts in 2020 (pandemic)

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Earlier news

News mood ⓘNews mood, the average tone of recent news (4 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation. Positive
Recent news coverage is more positive than average.

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 998 stocks

Beats the industry median on 11/14 measures
Overall it ranks above its industry peers.
Valuation
Quality Score 56 · Above median
Fair Value upside +20.0% · Top 25%
Profitability
Return on equity (12 months) 11.8% · Above median
Return on assets 0.6% · Bottom 25%
Net margin (12 months) 47.3% · Top 25%
Operating margin (12 months) 75.5% · Top 25%
Growth and dividend
Revenue growth (quarter YoY) 18.8% · Top 25%
Dividend yield (12 months) 2.9% · Above median
Balance sheet
Debt / equity 2.13× · Highest 25%

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 6.1× · Cheapest 25%
P/B 0.89× · Cheaper than median
P/S (12 months) 2.99× · Cheaper than median
Price / free cash flow (fiscal year) 5.2× · Cheapest 25%
EV/EBITDA 11.7× · Pricier than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)60 · sector 8
FUTURE (revenue growth)94 · sector 47
PAST (return on equity)47 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)58 · sector 53

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Postal Savings Bank of China Co 601658 ¥5.53 ¥7.59 +37% vs 002948
China Merchants Bank Co 600036 ¥42.88 ¥52.73 +23% vs 002948
BNP Paribas SA BNP €91.93 €106.01 +15% vs 002948
Intesa Sanpaolo S.p.A ISP €6.18 €4.49 −27% vs 002948
State Bank of India SBIN ₹1,019 ₹736.65 −28% vs 002948
UniCredit S.p.A UCG €76.80 €50.44 −34% vs 002948
Mizuho Financial Group MFG $9.40 $5.90 −37% vs 002948
DBS Group D05 69.72 SGD 40.39 SGD −42% vs 002948
HDFC Bank Limited HDFCBANK ₹788.25 ₹406.39 −48% vs 002948
ICICI Bank Limited ICICIBANK ₹1,571 ₹615.63 −61% vs 002948

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Bank of Qingdao Co Ltd: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "Bank of Qingdao Co Ltd Fair Value". https://www.fairvalue-calculator.com/stock/002948

Frequently asked questions

Is Bank of Qingdao Co Ltd (002948) overvalued or undervalued?
As of Nov 2, 2026, our model estimates a fair value of ¥7.49 versus a price of ¥6.24, about +20% upside (undervalued).
What is the fair value of 002948?
Our model-based fair value for Bank of Qingdao Co Ltd is ¥7.49 (as of Nov 2, 2026), built from audited fundamentals. The current price: ¥6.24.
What is the quality score of 002948?
Bank of Qingdao Co Ltd has a Quality Score of 56/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Bank of Qingdao Co Ltd (002948)?
Our model-based price target is the fair value of ¥7.49 (as of Nov 2, 2026) from 6 valuation models. Cautious scenario ¥6.39, optimistic scenario ¥10.39. It is a calculation from audited fundamentals, not an analyst target.
What is the Bank of Qingdao Co Ltd stock forecast for 2026?
Our models put fair value at ¥7.49, about +20% upside versus a price of ¥6.24 (undervalued). Cautious scenario ¥6.39, optimistic scenario ¥10.39. The calculation is refreshed regularly with new filings.
What is the revenue of Bank of Qingdao Co Ltd (002948)?
Bank of Qingdao Co Ltd reported trailing-twelve-month revenue of about 12.1B CNY (latest available figure, as of Nov 2, 2026).
Does Bank of Qingdao Co Ltd pay a dividend?
Bank of Qingdao Co Ltd currently shows a dividend yield of 2.88% relative to its recent price (as of Nov 2, 2026).
How much is the dividend of Bank of Qingdao Co Ltd (002948) and when is the ex-dividend date?
Bank of Qingdao Co Ltd pays a dividend of ¥0.18 per share a year, a dividend yield of 2.9%. The last ex-dividend date was Jun 24, 2026. A dividend has been paid every year since at least 2019. The payout ratio is 19.1% of earnings. Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.
What is the intrinsic value of Bank of Qingdao Co Ltd (002948)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Bank of Qingdao Co Ltd it is ¥7.49 per share (as of Nov 2, 2026), against a price of ¥6.24. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Bank of Qingdao Co Ltd stock overvalued or undervalued in 2026?
As of Nov 2, 2026, 002948 trades below its calculated fair value: price ¥6.24, fair value ¥7.49, a gap of about +20% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of 002948?
No. The price is what the market pays today (¥6.24); the fair value is what the company's own numbers justify (¥7.49). For Bank of Qingdao Co Ltd the two are ¥1.25 per share apart. That gap is exactly why we show both numbers side by side.
How much is Bank of Qingdao Co Ltd worth?
The market values Bank of Qingdao Co Ltd at about 36.3B CNY (market capitalisation, as of Nov 2, 2026). Per share that is ¥6.24; our models calculate a fair value of ¥7.49 per share.
What do the bullish and bearish scenarios say about 002948?
Our models span a range for Bank of Qingdao Co Ltd: cautious scenario ¥6.39, base ¥7.49, optimistic ¥10.39 per share (as of Nov 2, 2026, price ¥6.24). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 002948?
Bank of Qingdao Co Ltd trades at a price-to-earnings ratio of 6.1 (as of Nov 2, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of ¥7.49 is built from several models across several years. Other multiples: P/B 0.9, P/S 3.0, EV/EBITDA 11.7.
How solid is the balance sheet of Bank of Qingdao Co Ltd (002948)?
Balance-sheet figures for Bank of Qingdao Co Ltd (as of Nov 2, 2026): return on equity 11.8%, debt of 2.13 per unit of equity. They feed the Quality Score of 56/100, which measures business quality independently of the share price.
How far is 002948 from its 52-week high?
Bank of Qingdao Co Ltd trades at ¥6.24, about 2% below its 52-week high of ¥6.35 and 53% above the low of ¥4.09 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of ¥7.49 is for.
Which stocks are comparable to Bank of Qingdao Co Ltd?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Bank of Qingdao Co Ltd stock attractive at the current price?
The data as of Nov 2, 2026: price ¥6.24, calculated fair value ¥7.49 (+20%), Quality Score 56/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of 002948 calculated?
We run Bank of Qingdao Co Ltd through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of ¥7.49 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.0% above its aggregate fair value. Bank of Qingdao Co Ltd currently trades 17% below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Bank of Qingdao Co Ltd (002948)?
The closing price on Nov 6, 2026 was ¥6.24. Our model-based fair value is ¥7.49, about +20% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Bank of Qingdao Co Ltd right now?
The price is below even our cautious bear case (¥6.39). The market is more pessimistic than our downside scenario. Solid quality (56/100) at a price below fair value, the discount is the argument here, not the business quality. Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of Bank of Qingdao Co Ltd (002948) come from?
Earnings per share at Bank of Qingdao Co Ltd grew +3.6 % a year from 2014 to 2025. Broken into its drivers: revenue per share +4.5 %, EBIT margin −2.0 %, tax rate +1.5 %, residual (interest, one-offs) −0.3 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.

Key figures of Bank of Qingdao Co Ltd

How large is the market capitalisation of Bank of Qingdao Co Ltd (002948)?
The market capitalisation of Bank of Qingdao Co Ltd is 36.3B CNY (≈ $5.4B). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Bank of Qingdao Co Ltd (002948)?
The price-to-sales ratio of Bank of Qingdao Co Ltd is 2.99 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Bank of Qingdao Co Ltd (002948)?
Earnings per share at Bank of Qingdao Co Ltd are ¥0.9400 (price ÷ EPS = P/E 6.1). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Bank of Qingdao Co Ltd (002948)?
The dividend yield of Bank of Qingdao Co Ltd is 2.9% (payout 19.1%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Bank of Qingdao Co Ltd (002948)?
The net margin of Bank of Qingdao Co Ltd is 47.3% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Bank of Qingdao Co Ltd (002948)?
The return on equity (ROE) of Bank of Qingdao Co Ltd is 11.8% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Bank of Qingdao Co Ltd (002948)?
On an EBIT basis the return on assets of Bank of Qingdao Co Ltd is 0.7% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Bank of Qingdao Co Ltd (002948)?
The operating margin of Bank of Qingdao Co Ltd is 75.5% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Bank of Qingdao Co Ltd (002948)?
Revenue at Bank of Qingdao Co Ltd is growing +18.8% versus a year earlier (3y avg +6.4%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Bank of Qingdao Co Ltd (002948)?
Earnings per share at Bank of Qingdao Co Ltd are growing +18.2% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Bank of Qingdao Co Ltd (002948) generate?
The free cash flow of Bank of Qingdao Co Ltd is 7.0B CNY (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Bank of Qingdao Co Ltd (002948) carry?
The net debt of Bank of Qingdao Co Ltd is 210B CNY (fiscal year 2025, ≈ 30.0 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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