Yibin City Commercial Bank Co (2596) Fair Value & Analysis
Financial Services · HK · Market cap HK$12.2B
Fair value as of: Aug 6, 2026
From 6 valuation models · updated 4 days ago
Fair value updated Aug 6, 2026, revised from HK$2.75 to HK$4.86 (+76.7%) since Jul 2, 2026. Share price +0.6% over the past month.
Below-average quality, screening 84% undervalued on our models.
What matters now
- The large discount to fair value meets weak quality (37/100). That raises the risk this is a value trap rather than a bargain.
- The price is below even our cautious bear case (HK$3.65). The market is more pessimistic than our downside scenario.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (19 months)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 6, 2026.
How to read this chart
19‑month range HK$2.50 – HK$2.66 · fair‑value band HK$3.65 – HK$6.08 · the HK$2.64 price screens below the HK$4.86 fair value. Dashed = 300-day average. As of Aug 6, 2026.
Analysis
Yibin City Commercial Bank Co (2596) currently trades at HK$2.64, while our model-based Fair Value estimate is HK$4.86, implying the stock looks roughly 84.4% undervalued today. The Quality Score stands at 37/100 (below-average quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.
Over the trailing twelve months, Yibin City Commercial Bank Co generated revenue of HK$1.4B at a net margin of 40.5%. Revenue grew 14.0% year over year. It earns a return on equity of 5.2%. Net debt stands at HK$8.0B. Fundamentals as of Aug 6, 2026
Our scenario range runs from HK$3.65 (bear case) to HK$6.08 (bull case); at HK$2.64, the current price sits below that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 1% below its 52-week high and 4% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 42% fair-value upside, at 84%, 2596 screens cheaper than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 6 models by family
Widest divergence: Multiples (HK$2.03) versus Dividend Discount (HK$0.7400). Highest evidence: Residual Income (76).
Notify me when 2596 reaches fair value
Free. You confirm by email (double opt-in) and can unsubscribe anytime in one click.
Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 6, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 32 · Market factors (momentum, volatility) 64
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
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.
Full company description
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.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Yibin City Commercial Bank Co reported revenue of HK$4.3B in FY2025 versus HK$2.8B in FY2021, a compound +11.6%/yr. Reported net income was HK$546M in FY2025, compounding +11.6%/yr from FY2021.
Watch 2596: get an alert when its fair value changes →
Peer Group
Banks - Regional · 1083 stocks
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.
Valuation Multiples vs Banks - Regional median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Aug 6, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| PT Bank Central Asia Tbk BBCA | 6,175 IDR | 6,087 IDR | -1% |
| KB Financial Group 105560 | 184,400 KRW | 213,797 KRW | +16% |
| PT Bank Rakyat Indonesia (Persero) Tbk BBRI | 2,970 IDR | 4,891 IDR | +65% |
| PT Bank Mandiri (Persero) Tbk BMRI | 4,310 IDR | 7,841 IDR | +82% |
| Banco Bradesco S.A BBD | 5,120 ARS | 10,240 ARS | +100% |
| Shinhan Financial Group 055550 | 107,900 KRW | 137,259 KRW | +27% |
| Hana Financial Group 086790 | 136,800 KRW | 193,969 KRW | +42% |
| Lloyds Banking Group LYG | 4,138 ARS | 8,275 ARS | +100% |
| Banco de Chile, CHILE | 193.10 CLP | 152.55 CLP | -21% |
| Joint Stock Commercial Bank for Foreign Trade of Vietnam, VCB | 59,400 VND | 84,201 VND | +42% |
Compare Yibin City Commercial Bank Co with another stock
Price, fair value, quality and upside side by side.
Explore undervalued stocks
More undervalued Financial Services stocks →
Frequently asked questions
Is Yibin City Commercial Bank Co (2596) overvalued or undervalued?
What is the fair value of 2596?
What is the quality score of 2596?
What is the revenue of Yibin City Commercial Bank Co (2596)?
What is the net profit margin of 2596?
Does Yibin City Commercial Bank Co pay a dividend?
How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
Track Yibin City Commercial Bank Co and try Pro for 14 days
One email gets you 14 days of full Pro (review alerts, the 35,000+ stock screener, the diversification check) plus the monthly Top-25 report of the most undervalued quality stocks. No card, cancel anytime.
Zero risk: nothing is ever charged. After 14 days you decide whether to stay.