Qingdao Rural Commercial Bank Corp Class A (002958) fair value: what the stock is really worth
As of Sep 22, 2026: fair value of Qingdao Rural Commercial Bank Corp Class A ¥5.86, price ¥2.93, upside +100.0%, quality 50 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.
How to read this chart
60‑month range ¥2.28 – ¥3.93 · fair‑value band ¥5.31 – ¥6.79 · the ¥2.93 price screens below the ¥5.86 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 2026.
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Qingdao Rural Commercial Bank Co., Ltd. provides various banking products and services in China. The company accepts deposits; offers loans, settlements, bill acceptance and discounting, letter of credit and guarantees, foreign exchange credit, and consulting and witnessing services.
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Qingdao Rural Commercial Bank Co., Ltd. provides various banking products and services in China. The company accepts deposits; offers loans, settlements, bill acceptance and discounting, letter of credit and guarantees, foreign exchange credit, and consulting and witnessing services. It also acts as an insurance agency; and underwrites government bonds and financial bonds. In addition, the company engages in the interbank lending of RMB and foreign currencies, and bank card business. Qingdao Rural Commercial Bank Co., Ltd. was founded in 1951 and is headquartered in Qingdao, China.
Stock analysis
Qingdao Rural Commercial Bank Corp Class A (002958) currently trades at ¥2.93, while our model-based Fair Value estimate is ¥5.86, implying the stock looks roughly 50.0% undervalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of ¥7.32 per share, and 6 of the 6 models we run sit above the ¥2.93 price.
Bear case: the Dividend Discount group reads lowest at ¥4.79, and 0 of the 6 models stay below the price. Evidence for this calculation is low.
Scenario range: ¥5.31 (bear) to ¥6.79 (bull), the price of ¥2.93 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 50/100 (solid quality), in the Financial Services sector.
Weak Growth: Revenue is shrinking: the last year, the last three and the last five years are all negative.
Qingdao Rural Commercial Bank Corp Class A reported revenue of 10.0B CNY in FY2025 versus 18.9B CNY in FY2021, a compound −14.7%/yr. Reported net income was 3.1B CNY in FY2025, compounding +0.5%/yr from FY2021.
Key figures
Market cap 16.3B CNY (≈ $2.4B) · P/E ratio 6.5 · P/S ratio 2.04 · EPS (TTM) ¥0.4500 · Net margin 31.3% · Return on equity 6.7% · Return on assets (EBIT) 0.6% · Operating margin 65.9%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 38 out of 100 (low confidence).
What moves the price
The share trades about 11% below its 52-week high and 7% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −38% fair-value upside, at 100%, 002958 screens cheaper than that median.
Fair Value models
Bear ¥5.31Fair Value ¥5.86Bull ¥6.79
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then (¥0.3292 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.Evidence ⓘEvidence = 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.
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.19/100
Revenue is shrinking: the last year, the last three and the last five years are all negative.
Revenue growth 1 year
−49.4%
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.
−18.9%
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.
−9.8%
Start year 2020 (pandemic). Over 10 years: +1.1% a year
Revenue growth 14 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.
+5.3%
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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. Basis: EBIT basis.
−9.1%
Earnings growth per share plus dividend.
Earnings per share, growth per year−9.1%
Dividend (yield on the price)0.0%
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.2% vs 4%, steady
Profit margin 2019 to 2024 ⓘ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.21% → 13%
Compare Qingdao Rural Commercial Bank Corp Class A with another stock
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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 · 1074 stocks
Beats the industry median on 8/11 measures
Overall it ranks above its industry peers.
Valuation
Quality Score51 · Below median
Fair Value upside+100% · Top 25%
Profitability
Return on equity (TTM)7% · Below median
Return on assets1% · Below median
Net margin (TTM)43% · Top 25%
Operating margin (TTM)66% · Top 25%
Growth and dividend
Revenue growth9% · Above median
Dividend yield (TTM)15.7% · Top 25%
Valuation Multiplesvs Banks - Regional median · lower = cheaper
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Qingdao Rural Commercial Bank Corp Class A Fair Value". https://www.fairvalue-calculator.com/stock/002958
Frequently asked questions
Is Qingdao Rural Commercial Bank Corp Class A (002958) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of ¥5.86 versus a price of ¥2.93, about +100% upside (undervalued).
What is the fair value of 002958?
Our model-based fair value for Qingdao Rural Commercial Bank Corp Class A is ¥5.86 (as of Sep 24, 2026), built from audited fundamentals. The current price: ¥2.93.
What is the quality score of 002958?
Qingdao Rural Commercial Bank Corp Class A has a Quality Score of 50/100. 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 Qingdao Rural Commercial Bank Corp Class A (002958)?
Our model-based price target is the fair value of ¥5.86 (as of Sep 24, 2026) from 6 valuation models. Cautious scenario ¥5.31, optimistic scenario ¥6.79. It is a calculation from audited fundamentals, not an analyst target.
What is the Qingdao Rural Commercial Bank Corp Class A stock forecast for 2026?
Our models put fair value at ¥5.86, about +100% upside versus a price of ¥2.93 (undervalued). Cautious scenario ¥5.31, optimistic scenario ¥6.79. The calculation is refreshed regularly with new filings.
What is the revenue of Qingdao Rural Commercial Bank Corp Class A (002958)?
Qingdao Rural Commercial Bank Corp Class A reported trailing-twelve-month revenue of about 5.1B CNY (latest available figure, as of Sep 24, 2026).
What is the intrinsic value of Qingdao Rural Commercial Bank Corp Class A (002958)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Qingdao Rural Commercial Bank Corp Class A it is ¥5.86 per share (as of Sep 24, 2026), against a price of ¥2.93. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Qingdao Rural Commercial Bank Corp Class A stock overvalued or undervalued in 2026?
As of Sep 24, 2026, 002958 trades below its calculated fair value: price ¥2.93, fair value ¥5.86, a gap of about +100% (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 002958?
No. The price is what the market pays today (¥2.93); the fair value is what the company's own numbers justify (¥5.86). For Qingdao Rural Commercial Bank Corp Class A the two are ¥2.93 per share apart. That gap is exactly why we show both numbers side by side.
How much is Qingdao Rural Commercial Bank Corp Class A worth?
The market values Qingdao Rural Commercial Bank Corp Class A at about 16.3B CNY (market capitalisation, as of Sep 24, 2026). Per share that is ¥2.93; our models calculate a fair value of ¥5.86 per share.
What do the bullish and bearish scenarios say about 002958?
Our models span a range for Qingdao Rural Commercial Bank Corp Class A: cautious scenario ¥5.31, base ¥5.86, optimistic ¥6.79 per share (as of Sep 24, 2026, price ¥2.93). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 002958?
Qingdao Rural Commercial Bank Corp Class A trades at a price-to-earnings ratio of 6.5 (as of Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of ¥5.86 is built from several models across several years. Other multiples: P/B 0.4, P/S 3.2.
How solid is the balance sheet of Qingdao Rural Commercial Bank Corp Class A (002958)?
Balance-sheet figures for Qingdao Rural Commercial Bank Corp Class A (as of Sep 24, 2026): return on equity 6.7%. They feed the Quality Score of 50/100, which measures business quality independently of the share price.
How far is 002958 from its 52-week high?
Qingdao Rural Commercial Bank Corp Class A trades at ¥2.93, about 11% below its 52-week high of ¥3.31 and 7% above the low of ¥2.74 (as of Sep 22, 2026). Distance from the high says nothing about value: that is what the fair value of ¥5.86 is for.
Which stocks are comparable to Qingdao Rural Commercial Bank Corp Class A?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, Intesa Sanpaolo S.p.A, HDFC Bank Limited, 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 Qingdao Rural Commercial Bank Corp Class A stock attractive at the current price?
The data as of Sep 24, 2026: price ¥2.93, calculated fair value ¥5.86 (+100%), Quality Score 50/100, 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 002958 calculated?
We run Qingdao Rural Commercial Bank Corp Class A through 6 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of ¥5.86, 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 14.1 % above its aggregate fair value. Qingdao Rural Commercial Bank Corp Class A currently trades 100 % 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 Qingdao Rural Commercial Bank Corp Class A (002958)?
The closing price on Sep 22, 2026 was ¥2.93. Our model-based fair value is ¥5.86, about +100% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Qingdao Rural Commercial Bank Corp Class A right now?
The price is below even our cautious bear case (¥5.31). The market is more pessimistic than our downside scenario. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. Solid quality (50/100) at a price below fair value, the discount is the argument here, not the business quality. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Qingdao Rural Commercial Bank Corp Class A
How large is the market capitalisation of Qingdao Rural Commercial Bank Corp Class A (002958)?
The market capitalisation of Qingdao Rural Commercial Bank Corp Class A is 16.3B CNY (≈ $2.4B). 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 Qingdao Rural Commercial Bank Corp Class A (002958)?
The price-to-sales ratio of Qingdao Rural Commercial Bank Corp Class A is 2.04 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Qingdao Rural Commercial Bank Corp Class A (002958)?
Earnings per share at Qingdao Rural Commercial Bank Corp Class A are ¥0.4500 (price ÷ EPS = P/E 6.5). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Qingdao Rural Commercial Bank Corp Class A (002958)?
The net margin of Qingdao Rural Commercial Bank Corp Class A is 31.3% (fiscal year 2025). 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 Qingdao Rural Commercial Bank Corp Class A (002958)?
The return on equity (ROE) of Qingdao Rural Commercial Bank Corp Class A is 6.7% (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 Qingdao Rural Commercial Bank Corp Class A (002958)?
On an EBIT basis the return on assets of Qingdao Rural Commercial Bank Corp Class A is 0.6% (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 Qingdao Rural Commercial Bank Corp Class A (002958)?
The operating margin of Qingdao Rural Commercial Bank Corp Class A is 65.9% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Qingdao Rural Commercial Bank Corp Class A (002958)?
Revenue at Qingdao Rural Commercial Bank Corp Class A is growing +9.1% versus a year earlier (3y avg −18.9%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How much free cash flow does Qingdao Rural Commercial Bank Corp Class A (002958) generate?
The free cash flow of Qingdao Rural Commercial Bank Corp Class A is −11.3B 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 Qingdao Rural Commercial Bank Corp Class A (002958) carry?
The net debt of Qingdao Rural Commercial Bank Corp Class A is 34.5B CNY (fiscal year 2025). 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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