Bank of Chongqing Co (601963) Fair Value & Analysis
Financial Services · CN · Market cap 37.4B CNY
Fair value as of: Aug 9, 2026
From 6 valuation models · updated yesterday
Fair value updated Aug 9, 2026, revised from ¥17.59 to ¥21.52 (+22.3%) since Jul 5, 2026. Share price +8.4% over the past month.
A solid business, screening 100% undervalued on our models.
What matters now
- The price is below even our cautious bear case (¥16.14). The market is more pessimistic than our downside scenario.
- Solid quality (55/100) 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.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 9, 2026.
How to read this chart
60‑month range ¥5.46 – ¥11.90 · fair‑value band ¥16.14 – ¥26.90 · the ¥10.76 price screens below the ¥21.52 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Aug 9, 2026.
Analysis
Bank of Chongqing Co (601963) currently trades at ¥10.76, while our model-based Fair Value estimate is ¥21.52, implying the stock looks roughly 100.0% undervalued today. The Quality Score stands at 55/100 (solid 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, Bank of Chongqing Co generated revenue of 11.2B CNY at a net margin of 52.2%. Revenue grew 10.0% year over year. It earns a return on equity of 9.4%. Net debt stands at 360B CNY. Fundamentals as of Aug 9, 2026
Our scenario range runs from ¥16.14 (bear case) to ¥26.90 (bull case); at ¥10.76, 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 13% below its 52-week high and 24% 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 100%, 601963 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 (¥38.78) versus Dividend Discount (¥12.01). Highest evidence: Residual Income (76).
Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 9, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 50 · Market factors (momentum, volatility) 60
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
Bank of Chongqing Co., Ltd. provides various banking and services for corporate and individual customers in the People's Republic of China. The company operates through Corporate Banking, Personal banking, and Treasury operation segments.
Full company description
Bank of Chongqing Co., Ltd. provides various banking and services for corporate and individual customers in the People's Republic of China. The company operates through Corporate Banking, Personal banking, and Treasury operation segments. It offers deposit products and loans; inter-bank lending, bonds investment, re-purchasing, and foreign exchange trading transactions services. The company was formerly known as Commercial Bank of Chongqing Co., Ltd. and changed its name to Bank of Chongqing Co., Ltd. in August 2007. Bank of Chongqing Co., Ltd. was incorporated in 1996 and is headquartered in Chongqing, the People's Republic of China.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Bank of Chongqing Co reported revenue of ¥33.4B in FY2025 versus ¥30.0B in FY2021, a compound +2.7%/yr. Reported net income was ¥5.7B in FY2025, compounding +4.9%/yr from FY2021.
Watch 601963: 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 9, 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 Bank of Chongqing 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 Bank of Chongqing Co (601963) overvalued or undervalued?
What is the fair value of 601963?
What is the quality score of 601963?
What is the revenue of Bank of Chongqing Co (601963)?
What is the net profit margin of 601963?
Does Bank of Chongqing 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 Bank of Chongqing 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.