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Yibin City Coml Bk Co Ltd (2596) fair value: what the stock is really worth

As of Sep 24, 2026: fair value of Yibin City Coml Bk Co Ltd HK$1.98, price HK$2.62, upside -24.4%, quality 37 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? No
  2. Good quality? No
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Financial Services · HK

YC Thin data Sep 24, 2026

Yibin City Coml Bk Co Ltd

2596 · HK

Weak valuationQuality is weak on top of the rich price.

!Fair value HK$1.98 · Overvalued (−24%)
!Quality 37/100
!Expensive Growth (revenue 5y +15.9 %/yr)
✓Highly profitable · 40.5% net margin (TTM)
!Moderate debt · negative free cash flow
·1.37% dividend yield
!Trails peers (4/13)
!Moderate moat 64/100
!Evidence only low, so the estimate is less certain
!Weak on valuation: 1 out of 100
!Weak on past: 21 out of 100
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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

HK$2.66 HK$2.50 Fair Value HK$1.98 Jan 2025 Sep 2026

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

20‑month range HK$2.50 – HK$2.66 · fair‑value band HK$1.98 – HK$2.87 · the HK$2.62 price screens above the HK$1.98 fair value. Dashed = 300-day average. As of Sep 24, 2026.

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Company profile

Yibin City Commercial Bank Co., Ltd provides banking and financial products and services to small and micro enterprises in the People's Republic of China. Its deposit products include demand, regular, personal notice, fixed term and flexible savings, and education savings.

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Yibin City Commercial Bank Co., Ltd provides banking and financial products and services to small and micro enterprises in the People's Republic of China. Its deposit products include demand, regular, personal notice, fixed term and flexible savings, and education savings. The company also offers white collar credit, housing loan, personal home, and renovation loan and business loans; specialized services, online, mobile, and telephone banking. Further, the company engages in wealth management; asset management, including financial product design and management; interbank lending, deposits, certificate of deposit, and investment; bond repurchase; spot bond trading; and bill rediscounting. Yibin City Commercial Bank Co. was incorporated in 2006 and is headquartered in Xuzhou, the People's Republic of China.

Stock analysis

Yibin City Coml Bk Co Ltd (2596) currently trades at HK$2.62, while our model-based Fair Value estimate is HK$1.98, implying the stock looks roughly 32.3% overvalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of HK$2.03 per share, and 1 of the 6 models we run sit above the HK$2.62 price.

Bear case: the Dividend Discount group reads lowest at HK$0.5900, and 5 of the 6 models stay below the price. Evidence for this calculation is low.

Scenario range: HK$1.98 (bear) to HK$2.87 (bull), the price of HK$2.62 sits inside 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 37/100 (below-average quality), in the Financial Services sector.

Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.

Yibin City Coml Bk Co Ltd reported revenue of 4.3B CNY in FY2025 versus 2.8B CNY in FY2021, a compound +11.6%/yr. Reported net income was 546M CNY in FY2025, compounding +11.6%/yr from FY2021.

Key figures

Market cap HK$12.0B (≈ $1.5B) · P/E ratio 18.9 · P/S ratio 2.39 · EPS (TTM) HK$0.0600 · Dividend yield 1.4% · Net margin 12.6% · Return on equity 5.2% · Return on assets (EBIT) 0.5%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 50 out of 100 (low confidence).

What moves the price

The share trades about 1% below its 52-week high and 2% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −37% fair-value upside, at −24%, 2596 screens cheaper than that median.

Fair Value models

Bear HK$1.98 Fair Value HK$1.98 Bull HK$2.87
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 (HK$0.0176 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.
Highest evidence
Residual Income HK$1.78 HK$1.75 HK$1.54 76
Gordon GGM HK$0.3600 HK$0.6500 HK$0.8900 68
DDM Multi-Stage HK$0.3600 HK$0.5900 HK$0.6900 67
All 6 models by family
Dividend Discount
Gordon GGM HK$0.3600 HK$0.6500 HK$0.8900 68
DDM Multi-Stage HK$0.3600 HK$0.5900 HK$0.6900 67
Multiples
P/E Multiple HK$3.14 HK$4.18 HK$5.23 63
P/B Multiple HK$1.52 HK$2.03 HK$2.54 55
Asset-Based
NCAV (Graham) HK$1.23 HK$1.65 HK$2.47 54
Economic Profit
Residual Income HK$1.78 HK$1.75 HK$1.54 76

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Quality Score breakdown

Overall quality 37/100

Of which business quality 32 · Market factors (momentum, volatility) 61

Profitability 22
Margins and returns on capital today
Quality Growth 37
Are margins and returns improving?
Cashflow 0
Earnings quality: real cash, not paper profit
Fin. Strength 29
Balance sheet, leverage, solvency risk
Investment 47
Disciplined investing over empire-building
Low Volatility 100
Calm price path (market factor)
Momentum 43
Price trend over the last 3–12 months (market factor)
52W Momentum 49
Distance to the 52-week high (market factor)
Net Issuance 85
Share count: buybacks or dilution?

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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. 62/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+2.2%
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.
+12.5%
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.
+15.9%
Start year 2020 (pandemic)
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.
−0.9%
Earnings growth per share plus dividend.
Earnings per share, growth per year−2.3%
Dividend (yield on the price)1.4%
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.19% → 15%

2596 screens 32% overvalued. Compare with DBS Group →

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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 · 1076 stocks

Beats the industry median on 4/13 measures
Overall it trails its industry peers.
Valuation
Quality Score 38 · Bottom 25%
Fair Value upside −25% · Below median
Profitability
Return on equity (TTM) 5% · Bottom 25%
Return on assets 0% · Bottom 25%
Net margin (TTM) 40% · Top 25%
Operating margin (TTM) 44% · Above median
Growth and dividend
Revenue growth 14% · Above median
Dividend yield (TTM) 1.4% · Bottom 25%
Balance sheet
Debt / equity 0.67× · Above median

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (TTM) 18.9× · Priciest 25%
P/B 0.92× · Cheaper than median
P/S (TTM) 7.46× · Priciest 25%
EV/EBITDA 10.2× · Pricier than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)1 · sector 11
FUTURE (revenue growth)70 · sector 45
PAST (return on equity)21 · sector 41
HEALTH (low debt)67 · sector 85
DIVIDEND (yield)27 · sector 53

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
DBS Group D05 77.69 SGD 40.48 SGD −48%
China Merchants Bank Co 3968 HK$51.25 HK$62.30 +22%
Intesa Sanpaolo S.p.A ISP €6.73 €4.04 −40%
HDFC Bank Limited HDFCBANK ₹737.25 ₹406.85 −45%
BNP Paribas SA BNP €98.43 €105.99 +8%
UniCredit S.p.A UCG €82.18 €77.62 −6%
Mizuho Financial Group MFG $10.74 $6.75 −37%
ICICI Bank Limited ICICIBANK ₹1,340 ₹616.16 −54%
The PNC Financial Services Group PNC $224.03 $159.52 −29%
Oversea-Chinese Banking Corporation O39 32.14 SGD 19.80 SGD −38%

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Yibin City Coml Bk Co Ltd · Fair Value
HK$1.98 −32%Fair Value
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Cite: Fair Value Calculator (2026). "Yibin City Coml Bk Co Ltd Fair Value". https://www.fairvalue-calculator.com/stock/2596

Frequently asked questions

Is Yibin City Coml Bk Co Ltd (2596) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of HK$1.98 versus a price of HK$2.62, about −24% upside (overvalued).
What is the fair value of 2596?
Our model-based fair value for Yibin City Coml Bk Co Ltd is HK$1.98 (as of Sep 24, 2026), built from audited fundamentals. The current price: HK$2.62.
What is the quality score of 2596?
Yibin City Coml Bk Co Ltd has a Quality Score of 37/100. 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 Yibin City Coml Bk Co Ltd (2596)?
Our model-based price target is the fair value of HK$1.98 (as of Sep 24, 2026) from 6 valuation models. Cautious scenario HK$1.98, optimistic scenario HK$2.87. It is a calculation from audited fundamentals, not an analyst target.
What is the Yibin City Coml Bk Co Ltd stock forecast for 2026?
Our models put fair value at HK$1.98, about −24% upside versus a price of HK$2.62 (overvalued). Cautious scenario HK$1.98, optimistic scenario HK$2.87. The calculation is refreshed regularly with new filings.
Does Yibin City Coml Bk Co Ltd pay a dividend?
Yibin City Coml Bk Co Ltd currently shows a dividend yield of about 1.37% relative to its recent price (as of Sep 24, 2026).
What is the intrinsic value of Yibin City Coml Bk Co Ltd (2596)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Yibin City Coml Bk Co Ltd it is HK$1.98 per share (as of Sep 24, 2026), against a price of HK$2.62. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Yibin City Coml Bk Co Ltd stock overvalued or undervalued in 2026?
As of Sep 24, 2026, 2596 trades above its calculated fair value: price HK$2.62, fair value HK$1.98, a gap of about −24% (overvalued). 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 2596?
No. The price is what the market pays today (HK$2.62); the fair value is what the company's own numbers justify (HK$1.98). For Yibin City Coml Bk Co Ltd the two are HK$0.6400 per share apart. That gap is exactly why we show both numbers side by side.
How much is Yibin City Coml Bk Co Ltd worth?
The market values Yibin City Coml Bk Co Ltd at about HK$12.0B (market capitalisation, as of Sep 24, 2026). Per share that is HK$2.62; our models calculate a fair value of HK$1.98 per share.
What do the bullish and bearish scenarios say about 2596?
Our models span a range for Yibin City Coml Bk Co Ltd: cautious scenario HK$1.98, base HK$1.98, optimistic HK$2.87 per share (as of Sep 24, 2026, price HK$2.62). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 2596?
Yibin City Coml Bk Co Ltd trades at a price-to-earnings ratio of 18.9 (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 HK$1.98 is built from several models across several years. Other multiples: P/B 0.9, P/S 7.5, EV/EBITDA 10.2.
How solid is the balance sheet of Yibin City Coml Bk Co Ltd (2596)?
Balance-sheet figures for Yibin City Coml Bk Co Ltd (as of Sep 24, 2026): return on equity 5.2%, debt of 0.67 per unit of equity. They feed the Quality Score of 37/100, which measures business quality independently of the share price.
How far is 2596 from its 52-week high?
Yibin City Coml Bk Co Ltd trades at HK$2.62, about 1% below its 52-week high of HK$2.66 and 2% above the low of HK$2.56 (as of Sep 24, 2026). Distance from the high says nothing about value: that is what the fair value of HK$1.98 is for.
Which stocks are comparable to Yibin City Coml Bk Co Ltd?
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 Yibin City Coml Bk Co Ltd stock attractive at the current price?
The data as of Sep 24, 2026: price HK$2.62, calculated fair value HK$1.98 (−24%), Quality Score 37/100, 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 2596 calculated?
We run Yibin City Coml Bk Co Ltd 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 HK$1.98, 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. Yibin City Coml Bk Co Ltd itself currently trades above fair value. 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 Yibin City Coml Bk Co Ltd (2596)?
The closing price on Sep 24, 2026 was HK$2.62. Our model-based fair value is HK$1.98, about −24% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Yibin City Coml Bk Co Ltd right now?
Weak quality (37/100) and above fair value at the same time, the margin of safety is missing on both counts. 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.

Key figures of Yibin City Coml Bk Co Ltd

How large is the market capitalisation of Yibin City Coml Bk Co Ltd (2596)?
The market capitalisation of Yibin City Coml Bk Co Ltd is HK$12.0B (≈ $1.5B). 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 Yibin City Coml Bk Co Ltd (2596)?
The price-to-sales ratio of Yibin City Coml Bk Co Ltd is 2.39 (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 Yibin City Coml Bk Co Ltd (2596)?
Earnings per share at Yibin City Coml Bk Co Ltd are HK$0.0600 (price ÷ EPS = P/E 18.9). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Yibin City Coml Bk Co Ltd (2596)?
The dividend yield of Yibin City Coml Bk Co Ltd is 1.4% (payout 60.0%). 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 Yibin City Coml Bk Co Ltd (2596)?
The net margin of Yibin City Coml Bk Co Ltd is 12.6% (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 Yibin City Coml Bk Co Ltd (2596)?
The return on equity (ROE) of Yibin City Coml Bk Co Ltd is 5.2% (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 Yibin City Coml Bk Co Ltd (2596)?
On an EBIT basis the return on assets of Yibin City Coml Bk Co Ltd is 0.5% (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 Yibin City Coml Bk Co Ltd (2596)?
The operating margin of Yibin City Coml Bk Co Ltd is 44.3% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Yibin City Coml Bk Co Ltd (2596)?
Revenue at Yibin City Coml Bk Co Ltd is growing +14.0% versus a year earlier (3y avg +12.5%). 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 Yibin City Coml Bk Co Ltd (2596)?
Earnings per share at Yibin City Coml Bk Co Ltd are growing −11.0% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Yibin City Coml Bk Co Ltd (2596) generate?
The free cash flow of Yibin City Coml Bk Co Ltd is −1.6B 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 Yibin City Coml Bk Co Ltd (2596) carry?
The net debt of Yibin City Coml Bk Co Ltd is 8.0B 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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