Chongqing Rural Commercial Bank Co (601077) fair value: what the stock is really worth
As of Nov 5, 2026: fair value (intrinsic value) of Chongqing Rural Commercial Bank Co stock ¥11.23, price ¥7.08, upside +58.6%, quality 56 out of 100. Rating: strongly undervalued. Calculated from audited financials with 6 of our 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. As of Nov 1, 2026.
How to read this chart
60‑month range ¥3.22 – ¥7.74 · fair‑value band ¥10.20 – ¥13.58 · the ¥7.08 price screens below the ¥11.23 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 1, 2026.
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Chongqing Rural Commercial Bank Co., Ltd., together with its subsidiaries, provides banking and related financial services in the People's Republic of China. It operates through Corporate Banking, Personal Banking, and Financial Market Operations segments.
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The Corporate Banking segment offers current accounts, deposits, overdrafts, loans, and trade-related products, as well as engages in foreign currency and other credit services for corporations, government agencies, and financial institutions.
Its Personal Banking segment provides personal loans, deposit products, cards, personal wealth management services, and other types of personal intermediary services to individual customers. The Financial Market Operations segment engages in money market or repurchase transaction services.
It also provides financial leasing; personal, corporate, and micro finance; investment; and e-banking services.
The company provides its services through its head office and business departments, branches, first-class sub-branches, second-class sub-branches, branch offices, off-site branches, and village and township banks, as well as smart integrated counters, automatic teller machines, and rural convenience financial self-service outlets.
The company was formerly known as Chongqing Rural Credit Cooperative and changed its name to Chongqing Rural Commercial Bank Co., Ltd., in June 2008. Chongqing Rural Commercial Bank Co., Ltd. was founded in 1951 and is headquartered in Chongqing, China.
Stock analysis
Chongqing Rural Commercial Bank Co (601077) currently trades at ¥7.08, while our model-based Fair Value estimate is ¥11.23, implying the stock looks roughly 37% undervalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of ¥14.22 per share, and 4 of the 6 models we run sit above the ¥7.08 price.
Bear case: the Dividend Discount group reads lowest at ¥4.41, and 2 of the 6 models stay below the price. Data coverage for this calculation is high.
Scenario range: ¥10.20 (bear) to ¥13.58 (bull), the price of ¥7.08 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.
Chongqing Rural Commercial Bank Co reported revenue of 28.6B CNY in FY2025 versus 56.5B CNY in FY2021, a compound −15.6%/yr. Reported net income was 12.4B CNY in FY2025, compounding +6.8%/yr from FY2021.
Key figures
Market cap 80.4B CNY (≈ $12.1B) Large · P/E ratio 6.5 · P/S ratio 3.33 · EPS (TTM) ¥1.09 · Dividend yield 1.7% · Net margin 52.2% · Return on equity 9.0% · Return on assets (EBIT) 0.9%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 61 out of 100 (low confidence).
What moves the price
The share trades about 5% below its 52-week high and 19% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −35% fair-value upside, at 59%, 601077 screens cheaper than that median.
Fair Value models
Bear¥10.20Fair Value ¥11.23Bull¥13.58
Price ¥7.08 · Upside +58.6%
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 (¥0.8255 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.
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.95/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
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.
+7.1%
Earnings growth per share plus dividend.
Earnings per share, growth per year+5.4%
Dividend (yield on the price)1.7%
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.5.4% vs 3.5%, steady
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.21% → 48%
Pace: the 5-year rate starts in 2020 (pandemic)
⚠ Revenue per share shrinking 3.1%/yr over ~10Y (margins intact) ⓘStructural-decline marker: revenue PER SHARE has fallen over the last decade (robust median trend, not a single year). Backtested across 2005 to 2017, such businesses trailed the market by about 2.5 percentage points per year. Display only: it does not change the fair value or the quality score.
Growth Forecast
Little optimism in the price
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
less than -40 %
The company could shrink this much every year for the next five years and today's price would still be justified.
What forecasts expect ⓘAnalysts publish sales forecasts for the next two fiscal years. For the years after that, growth slows evenly to 2 % a year by year ten (2 % is the long-run rate our models use). Projected years are marked as such.
+8.1%
Yearly sales growth analysts expect, extended to five years.
After inflation (China: IMF forecast 1.7% a year to 2030, 1.4% from 2016 to 2025) that is about +6.3% a year for the forecasts.
Compare Chongqing Rural Commercial Bank Co with another stock
Price, fair value, quality and upside side by side.
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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 · 1002 stocks
Beats the industry median on 8/13 measures
Overall it ranks above its industry peers.
Valuation
Quality Score56 · Above median
Fair Value upside+58.6% · Top 25%
Profitability
Return on equity (12 months)9.0% · Below median
Return on assets0.8% · Below median
Net margin (12 months)52.2% · Top 25%
Operating margin (12 months)70.4% · Top 25%
Growth and dividend
Revenue growth (quarter YoY)7.5% · Below median
Dividend yield (12 months)1.7% · Below median
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). "Chongqing Rural Commercial Bank Co Fair Value". https://www.fairvalue-calculator.com/stock/601077
Frequently asked questions
Is Chongqing Rural Commercial Bank Co (601077) overvalued or undervalued?
As of Nov 1, 2026, our model estimates a fair value of ¥11.23 versus a price of ¥7.08, about +59% upside (undervalued).
What is the fair value of 601077?
Our model-based fair value for Chongqing Rural Commercial Bank Co is ¥11.23 (as of Nov 1, 2026), built from audited fundamentals. The current price: ¥7.08.
What is the quality score of 601077?
Chongqing Rural Commercial Bank Co 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 Chongqing Rural Commercial Bank Co (601077)?
Our model-based price target is the fair value of ¥11.23 (as of Nov 1, 2026) from 6 valuation models. Cautious scenario ¥10.20, optimistic scenario ¥13.58. It is a calculation from audited fundamentals, not an analyst target.
What is the Chongqing Rural Commercial Bank Co stock forecast for 2026?
Our models put fair value at ¥11.23, about +59% upside versus a price of ¥7.08 (undervalued). Cautious scenario ¥10.20, optimistic scenario ¥13.58. The calculation is refreshed regularly with new filings.
What is the revenue of Chongqing Rural Commercial Bank Co (601077)?
Chongqing Rural Commercial Bank Co reported trailing-twelve-month revenue of about 24.1B CNY (latest available figure, as of Nov 1, 2026).
Does Chongqing Rural Commercial Bank Co pay a dividend?
Chongqing Rural Commercial Bank Co currently shows a dividend yield of 1.67% relative to its recent price (as of Nov 1, 2026).
What growth is priced into Chongqing Rural Commercial Bank Co (601077)?
For today's price to be fair in a discounted-cash-flow model, Chongqing Rural Commercial Bank Co would have to grow free cash flow by less than minus 40 % per year for five years (discount rate 8.7 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew -10.2 % per year. As of Nov 1, 2026.
What discount rate (WACC) does the fair value of 601077 use?
Our models discount Chongqing Rural Commercial Bank Co at 8.7 %: a base by market capitalisation (large), damped by beta 0.12, country premium for China. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Chongqing Rural Commercial Bank Co that is less than minus 40 % per year a year over ten years, using the same discount rate (8.7 %) and the same formula as our fair value.
How much growth has Chongqing Rural Commercial Bank Co (601077) delivered so far?
Over the past 5 years revenue at Chongqing Rural Commercial Bank Co grew -10.2 % a year. The price currently implies less than minus 40 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Chongqing Rural Commercial Bank Co (601077) growing?
The median revenue growth in the sector is +9.4 % a year. That is the yardstick for the growth priced into Chongqing Rural Commercial Bank Co (less than minus 40 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Chongqing Rural Commercial Bank Co (601077)?
The free-cash-flow yield on the price is 21.67 %: that much free cash flow Chongqing Rural Commercial Bank Co produces per unit of market value. When it exceeds the discount rate of our models (8.7 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Chongqing Rural Commercial Bank Co (601077)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Chongqing Rural Commercial Bank Co it is ¥11.23 per share (as of Nov 1, 2026), against a price of ¥7.08. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Chongqing Rural Commercial Bank Co stock overvalued or undervalued in 2026?
As of Nov 1, 2026, 601077 trades below its calculated fair value: price ¥7.08, fair value ¥11.23, a gap of about +59% (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 601077?
No. The price is what the market pays today (¥7.08); the fair value is what the company's own numbers justify (¥11.23). For Chongqing Rural Commercial Bank Co the two are ¥4.15 per share apart. That gap is exactly why we show both numbers side by side.
How much is Chongqing Rural Commercial Bank Co worth?
The market values Chongqing Rural Commercial Bank Co at about 80.4B CNY (market capitalisation, as of Nov 1, 2026). Per share that is ¥7.08; our models calculate a fair value of ¥11.23 per share.
What do the bullish and bearish scenarios say about 601077?
Our models span a range for Chongqing Rural Commercial Bank Co: cautious scenario ¥10.20, base ¥11.23, optimistic ¥13.58 per share (as of Nov 1, 2026, price ¥7.08). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 601077?
Chongqing Rural Commercial Bank Co trades at a price-to-earnings ratio of 6.5 (as of Nov 1, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of ¥11.23 is built from several models across several years. Other multiples: P/B 0.6, P/S 3.3, EV/EBITDA 1.9.
How solid is the balance sheet of Chongqing Rural Commercial Bank Co (601077)?
Balance-sheet figures for Chongqing Rural Commercial Bank Co (as of Nov 1, 2026): return on equity 9.0%. They feed the Quality Score of 56/100, which measures business quality independently of the share price.
How far is 601077 from its 52-week high?
Chongqing Rural Commercial Bank Co trades at ¥7.08, about 5% below its 52-week high of ¥7.45 and 19% above the low of ¥5.95 (as of Nov 5, 2026). Distance from the high says nothing about value: that is what the fair value of ¥11.23 is for.
Which stocks are comparable to Chongqing Rural Commercial Bank Co?
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 Chongqing Rural Commercial Bank Co stock attractive at the current price?
The data as of Nov 1, 2026: price ¥7.08, calculated fair value ¥11.23 (+59%), 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 601077 calculated?
We run Chongqing Rural Commercial Bank Co 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 ¥11.23, 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 15.6% above its aggregate fair value. Chongqing Rural Commercial Bank Co currently trades 37% 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 Chongqing Rural Commercial Bank Co (601077)?
The closing price on Nov 5, 2026 was ¥7.08. Our model-based fair value is ¥11.23, about +59% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Chongqing Rural Commercial Bank Co right now?
The price is below even our cautious bear case (¥10.20). 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. 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 Chongqing Rural Commercial Bank Co (601077) come from?
Earnings per share at Chongqing Rural Commercial Bank Co grew +2.9 % a year from 2014 to 2025. Broken into its drivers: revenue per share −1.6 %, EBIT margin +2.6 %, tax rate +2.2 %, 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 Chongqing Rural Commercial Bank Co
How large is the market capitalisation of Chongqing Rural Commercial Bank Co (601077)?
The market capitalisation of Chongqing Rural Commercial Bank Co is 80.4B CNY (≈ $12.1B). 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 Chongqing Rural Commercial Bank Co (601077)?
The price-to-sales ratio of Chongqing Rural Commercial Bank Co is 3.33 (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 Chongqing Rural Commercial Bank Co (601077)?
Earnings per share at Chongqing Rural Commercial Bank Co are ¥1.09 (price ÷ EPS = P/E 6.5). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Chongqing Rural Commercial Bank Co (601077)?
The dividend yield of Chongqing Rural Commercial Bank Co is 1.7% (payout 10.8%). 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 Chongqing Rural Commercial Bank Co (601077)?
The net margin of Chongqing Rural Commercial Bank Co is 52.2% (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 Chongqing Rural Commercial Bank Co (601077)?
The return on equity (ROE) of Chongqing Rural Commercial Bank Co is 9.0% (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 Chongqing Rural Commercial Bank Co (601077)?
On an EBIT basis the return on assets of Chongqing Rural Commercial Bank Co is 0.9% (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 Chongqing Rural Commercial Bank Co (601077)?
The operating margin of Chongqing Rural Commercial Bank Co is 70.4% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Chongqing Rural Commercial Bank Co (601077)?
Revenue at Chongqing Rural Commercial Bank Co is growing +7.5% versus a year earlier (3y avg −19.4%). 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 Chongqing Rural Commercial Bank Co (601077)?
Earnings per share at Chongqing Rural Commercial Bank Co are growing +5.9% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does Chongqing Rural Commercial Bank Co (601077) carry?
The net debt of Chongqing Rural Commercial Bank Co is 410B CNY (fiscal year 2025, ≈ 23.5 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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Broad data
Nov 1, 2026