Weihai City Commercial Bank Co. Ltd (9677) fair value: what the stock is really worth
As of Sep 30, 2026: fair value of Weihai City Commercial Bank Co. Ltd HK$3.95, price HK$3.03, upside +30.4%, quality 43 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 Oct 1, 2026.
How to read this chart
60‑month range HK$1.83 – HK$3.09 · fair‑value band HK$3.73 – HK$4.38 · the HK$3.03 price screens below the HK$3.95 fair value. Dashed = 300-day average. As of Oct 1, 2026.
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Weihai Bank Co., Ltd., together with its subsidiaries, provides corporate banking, retail banking, and financial market services in China. The company operates through Corporate Banking; Retail Banking; Financial Market Business; and Others segments.
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Weihai Bank Co., Ltd., together with its subsidiaries, provides corporate banking, retail banking, and financial market services in China. The company operates through Corporate Banking; Retail Banking; Financial Market Business; and Others segments. It offers corporate loans and advances, trade financing, deposit taking activities, agency services, wealth management services, consulting and advisory services, remittance and settlement services, guarantee services, and finance leasing services. The company also provides personal loans, deposit services, personal wealth management services, debit and credit cards, and remittance services. In addition, it offers inter-bank money market and repurchases transactions, investments, trades in debt securities, and wealth management services. Further, it provides online, mobile, direct, telephone, and WeChat banking services, as well as ATMs, self-service deposit, and withdrawal machines. The company was founded in 1997 and is headquartered in Weihai, the People's Republic of China.
Stock analysis
Weihai City Commercial Bank Co. Ltd (9677) currently trades at HK$3.03, while our model-based Fair Value estimate is HK$3.95, implying the stock looks roughly 23.3% undervalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of HK$4.85 per share, and 4 of the 6 models we run sit above the HK$3.03 price.
Bear case: the Dividend Discount group reads lowest at HK$2.03, and 2 of the 6 models stay below the price. Evidence for this calculation is low.
Scenario range: HK$3.73 (bear) to HK$4.38 (bull), the price of HK$3.03 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 43/100 (below-average quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Weihai City Commercial Bank Co. Ltd reported revenue of 17.3B CNY in FY2025 versus 13.9B CNY in FY2021, a compound +5.6%/yr. Reported net income was 2.2B CNY in FY2025, compounding +5.9%/yr from FY2021.
Key figures
Market cap HK$20.8B (≈ $2.7B) · P/E ratio 6.7 · P/S ratio 0.85 · Dividend yield 3.3% · Net margin 12.7% · Return on equity 8.1% · Return on assets (EBIT) 0.8% · Operating margin 57.5%.
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 at its 52-week high and 65% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −38% fair-value upside, at 30%, 9677 screens cheaper than that median.
Fair Value models
Bear HK$3.73Fair Value HK$3.95Bull HK$4.38
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.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.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.95/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+104.3%
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.
+61.3%
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.
+37.4%
Start year 2020 (pandemic). Over 10 years: +17.6% a year
Revenue growth 12 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.
+19.1%
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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.
+8.0%
Earnings growth per share plus dividend.
Earnings per share, growth per year+4.7%
Dividend (yield on the price)3.3%
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.4.7% vs −0.3%, picking up
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.58% → 16%
Compare Weihai City Commercial Bank Co. Ltd 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 · 1057 stocks
Beats the industry median on 9/14 measures
Overall it ranks above its industry peers.
Valuation
Quality Score46 · Bottom 25%
Fair Value upside+30.4% · Top 25%
Profitability
Return on equity (TTM)8.1% · Below median
Return on assets0.6% · Bottom 25%
Net margin (TTM)43.9% · Top 25%
Operating margin (TTM)57.5% · Top 25%
Growth and dividend
Revenue growth22.5% · Top 25%
Dividend yield (TTM)3.3% · Above median
Balance sheet
Debt / equity2.48× · Highest 25%
Valuation Multiplesvs Banks - Regional median · lower = cheaper
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Cite: Fair Value Calculator (2026). "Weihai City Commercial Bank Co. Ltd Fair Value". https://www.fairvalue-calculator.com/stock/9677
Frequently asked questions
Is Weihai City Commercial Bank Co. Ltd (9677) overvalued or undervalued?
As of Oct 1, 2026, our model estimates a fair value of HK$3.95 versus a price of HK$3.03, about +30% upside (undervalued).
What is the fair value of 9677?
Our model-based fair value for Weihai City Commercial Bank Co. Ltd is HK$3.95 (as of Oct 1, 2026), built from audited fundamentals. The current price: HK$3.03.
What is the quality score of 9677?
Weihai City Commercial Bank Co. Ltd has a Quality Score of 43/100. 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 Weihai City Commercial Bank Co. Ltd (9677)?
Our model-based price target is the fair value of HK$3.95 (as of Oct 1, 2026) from 6 valuation models. Cautious scenario HK$3.73, optimistic scenario HK$4.38. It is a calculation from audited fundamentals, not an analyst target.
What is the Weihai City Commercial Bank Co. Ltd stock forecast for 2026?
Our models put fair value at HK$3.95, about +30% upside versus a price of HK$3.03 (undervalued). Cautious scenario HK$3.73, optimistic scenario HK$4.38. The calculation is refreshed regularly with new filings.
Does Weihai City Commercial Bank Co. Ltd pay a dividend?
Weihai City Commercial Bank Co. Ltd currently shows a dividend yield of about 3.30% relative to its recent price (as of Oct 1, 2026).
What is the intrinsic value of Weihai City Commercial Bank Co. Ltd (9677)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Weihai City Commercial Bank Co. Ltd it is HK$3.95 per share (as of Oct 1, 2026), against a price of HK$3.03. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Weihai City Commercial Bank Co. Ltd stock overvalued or undervalued in 2026?
As of Oct 1, 2026, 9677 trades below its calculated fair value: price HK$3.03, fair value HK$3.95, a gap of about +30% (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 9677?
No. The price is what the market pays today (HK$3.03); the fair value is what the company's own numbers justify (HK$3.95). For Weihai City Commercial Bank Co. Ltd the two are HK$0.9200 per share apart. That gap is exactly why we show both numbers side by side.
How much is Weihai City Commercial Bank Co. Ltd worth?
The market values Weihai City Commercial Bank Co. Ltd at about HK$20.8B (market capitalisation, as of Oct 1, 2026). Per share that is HK$3.03; our models calculate a fair value of HK$3.95 per share.
What do the bullish and bearish scenarios say about 9677?
Our models span a range for Weihai City Commercial Bank Co. Ltd: cautious scenario HK$3.73, base HK$3.95, optimistic HK$4.38 per share (as of Oct 1, 2026, price HK$3.03). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 9677?
Weihai City Commercial Bank Co. Ltd trades at a price-to-earnings ratio of 6.7 (as of Oct 1, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of HK$3.95 is built from several models across several years. Other multiples: P/B 0.7, P/S 3.1, EV/EBITDA 18.0.
How solid is the balance sheet of Weihai City Commercial Bank Co. Ltd (9677)?
Balance-sheet figures for Weihai City Commercial Bank Co. Ltd (as of Oct 1, 2026): return on equity 8.1%, debt of 2.48 per unit of equity. They feed the Quality Score of 43/100, which measures business quality independently of the share price.
How far is 9677 from its 52-week high?
Weihai City Commercial Bank Co. Ltd trades at HK$3.03, at its 52-week high of HK$3.03 and 65% above the low of HK$1.83 (as of Sep 30, 2026). Distance from the high says nothing about value: that is what the fair value of HK$3.95 is for.
Which stocks are comparable to Weihai City Commercial Bank Co. Ltd?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, UniCredit S.p.A, Intesa Sanpaolo S.p.A, 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 Weihai City Commercial Bank Co. Ltd stock attractive at the current price?
The data as of Oct 1, 2026: price HK$3.03, calculated fair value HK$3.95 (+30%), Quality Score 43/100, 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 9677 calculated?
We run Weihai City Commercial Bank 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$3.95, 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 14.7 % above its aggregate fair value. Weihai City Commercial Bank Co. Ltd currently trades 23 % 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 Weihai City Commercial Bank Co. Ltd (9677)?
The closing price on Sep 30, 2026 was HK$3.03. Our model-based fair value is HK$3.95, about +30% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Weihai City Commercial Bank Co. Ltd right now?
The large discount to fair value meets weak quality (43/100). That raises the risk this is a value trap rather than a bargain. The price is below even our cautious bear case (HK$3.73). 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. 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 Weihai City Commercial Bank Co. Ltd (9677) come from?
Earnings per share at Weihai City Commercial Bank Co. Ltd grew −0.5 % a year from 2014 to 2025. Broken into its drivers: revenue per share +8.8 %, EBIT margin −4.7 %, tax rate +1.6 %, residual (interest, one-offs) −5.5 %. 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 Weihai City Commercial Bank Co. Ltd
How large is the market capitalisation of Weihai City Commercial Bank Co. Ltd (9677)?
The market capitalisation of Weihai City Commercial Bank Co. Ltd is HK$20.8B (≈ $2.7B). 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 Weihai City Commercial Bank Co. Ltd (9677)?
The price-to-sales ratio of Weihai City Commercial Bank Co. Ltd is 0.85 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What is the dividend yield of Weihai City Commercial Bank Co. Ltd (9677)?
The dividend yield of Weihai City Commercial Bank Co. Ltd is 3.3%. 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 Weihai City Commercial Bank Co. Ltd (9677)?
The net margin of Weihai City Commercial Bank Co. Ltd is 12.7% (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 Weihai City Commercial Bank Co. Ltd (9677)?
The return on equity (ROE) of Weihai City Commercial Bank Co. Ltd is 8.1% (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 Weihai City Commercial Bank Co. Ltd (9677)?
On an EBIT basis the return on assets of Weihai City Commercial Bank Co. Ltd is 0.8% (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 Weihai City Commercial Bank Co. Ltd (9677)?
The operating margin of Weihai City Commercial Bank Co. Ltd is 57.5% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Weihai City Commercial Bank Co. Ltd (9677)?
Revenue at Weihai City Commercial Bank Co. Ltd is growing +22.5% versus a year earlier (3y avg +61.3%). 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 Weihai City Commercial Bank Co. Ltd (9677)?
Earnings per share at Weihai City Commercial Bank Co. Ltd are growing +18.5% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Weihai City Commercial Bank Co. Ltd (9677) generate?
The free cash flow of Weihai City Commercial Bank Co. Ltd is 9.4B 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 Weihai City Commercial Bank Co. Ltd (9677) carry?
The net debt of Weihai City Commercial Bank Co. Ltd is 90.1B CNY (fiscal year 2025, ≈ 9.5 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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