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China CITIC Bank Corporation (CHBJF) fair value: what the stock is really worth

As of Sep 25, 2026: fair value of China CITIC Bank Corporation $1.88, price $0.94, upside +100.0%, quality 57 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? Yes
  2. Good quality? Yes
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Financial Services · US · ISIN CNE1000001Q4

CC China CITIC Bank Corporation logo Broad data Sep 29, 2026

China CITIC Bank Corporation

CHBJF · US

Clearly undervaluedStrong Fair Value upside, but quality is only moderate.

✓Fair value $1.88 · Strongly undervalued (+100.0%)
!Quality 57/100
!Weak Growth (revenue 3y −2.4 %/yr)
✓Highly profitable · 45.7% net margin (TTM)
✓Low debt · generates free cash flow
!Moderate moat 63/100

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

$1.15 $0.0539 Fair Value $1.88 Sep 2015 Sep 2026

White line = price, green steps = our fair value per fiscal year. As of Sep 29, 2026.

How to read this chart

60‑month range $0.0539 – $1.15 · fair‑value band $1.70 – $2.71 · the $0.9400 price screens below the $1.88 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 1 fiscal year is left out: there the valuation rested on only a fraction of the usual models. As of Sep 29, 2026.

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Company profile

China CITIC Bank Corporation Limited provides various banking products and services in the People's Republic of China and internationally. It operates in three segments: Corporate Banking, Retail Banking, and Financial Market business.

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China CITIC Bank Corporation Limited provides various banking products and services in the People's Republic of China and internationally. It operates in three segments: Corporate Banking, Retail Banking, and Financial Market business. The Corporate Banking segment offers corporate loans, deposit services, agency services, money transfer and settlement services, and guarantee services to corporate clients, government agencies, and non-financial institutions. Its Retail Banking segment provides personal loans, deposit services, agency services, remittance and settlement services, and guarantee services to individual customers. The Financial Markets Business segment engages in interbank lending, repurchase transactions and debt instrument investments in the interbank market, and trading in debt instruments, as well as derivatives and forex trading. The company also offers wealth management, treasury business, asset management, financial leasing, private banking and other non-bank financial services. It operates through branches; self-service banks; and self-service terminals, as well as smart teller machines. The company was founded in 1987 and is headquartered in Beijing, the People's Republic of China. China CITIC Bank Corporation Limited operates as a subsidiary of CITIC Financial Holdings Co., Ltd.

Stock analysis

China CITIC Bank Corporation (CHBJF) currently trades at $0.9400, while our model-based Fair Value estimate is $1.88, implying the stock looks roughly 50.0% undervalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of $2.40 per share, and 6 of the 6 models we run sit above the $0.9400 price.

Bear case: the Dividend Discount group reads lowest at $1.13, and 0 of the 6 models stay below the price. Evidence for this calculation is high.

Scenario range: $1.70 (bear) to $2.71 (bull), the price of $0.9400 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 57/100 (solid quality), in the Financial Services sector.

Weak Growth: Revenue is shrinking: the last year, the last three and the last five years are all negative.

China CITIC Bank Corporation reported revenue of 347B CNY in FY2025 versus 363B CNY in FY2021, a compound −1.1%/yr. Reported net income was 68.8B CNY in FY2025, compounding +5.4%/yr from FY2021.

Key figures

Market cap $55.1B · P/E ratio 5.5 · P/S ratio 1.09 · EPS (TTM) $0.1800 · Net margin 19.8% · Return on equity 8.5% · Return on assets (EBIT) 0.8% · Operating margin 60.9%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 42 out of 100 (low confidence).

What moves the price

For context, the median of 10 Financial Services peers we cover trades at −36% fair-value upside, at 100%, CHBJF screens cheaper than that median.

Fair Value models

Bear $1.70 Fair Value $1.88 Bull $2.71
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.
Highest evidence
Residual Income $1.75 $1.91 $2.30 76
DDM Multi-Stage $0.6400 $1.13 $1.40 67
Gordon GGM $0.6400 $1.33 $2.12 66
All 6 models by family
Dividend Discount
Gordon GGM $0.6400 $1.33 $2.12 66
DDM Multi-Stage $0.6400 $1.13 $1.40 67
Multiples
P/E Multiple $1.80 $2.40 $3.00 63
P/B Multiple $2.14 $2.85 $3.56 55
Asset-Based
NCAV (Graham) $1.02 $1.36 $2.04 54
Economic Profit
Residual Income $1.75 $1.91 $2.30 76

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Quality Score breakdown

Overall quality 57/100

Of which business quality 54 · Market factors (momentum, volatility) 73

Profitability 30
Margins and returns on capital today
Quality Growth 34
Are margins and returns improving?
Cashflow 94
Earnings quality: real cash, not paper profit
Fin. Strength 13
Balance sheet, leverage, solvency risk
Investment 67
Disciplined investing over empire-building
Low Volatility 50
Calm price path (market factor)
Momentum 79
Price trend over the last 3–12 months (market factor)
52W Momentum 90
Distance to the 52-week high (market factor)
Net Issuance 100
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. 40/100
Revenue is shrinking: the last year, the last three and the last five years are all negative.
Revenue growth 1 year
−7.7%
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.
−2.4%
Revenue growth 22 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.
+16.1%
What shareholders gained per year (last 5 years) (mathematically smoothed) ⓘ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. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip.
+10.9%
Earnings growth per share plus dividend.
Earnings per share, growth per year+10.9%
Dividend (yield on the price)0.0%
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.60.0% vs 27.2%, 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.56% → 24%
2025 sits 702% above its own trend. The rate follows the median trend of the last 5 years, not that single year.
Start year 2020 (pandemic)

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Earlier news

News mood ⓘNews mood, the average tone of recent news (34 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation. Neutral
Recent news coverage is roughly neutral, about typical for how stocks are covered.

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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.

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DBS Group D05 78.00 SGD 40.39 SGD −48%
China Merchants Bank Co 600036 ¥40.69 ¥52.73 +30%
UniCredit S.p.A UCG €79.53 €77.12 −3%
Mizuho Financial Group MFG $11.05 $6.82 −38%
Intesa Sanpaolo S.p.A ISP €6.38 €4.06 −36%
BNP Paribas SA BNP €91.54 €105.99 +16%
HDFC Bank Limited HDFCBANK ₹721.20 ₹406.44 −44%
Oversea-Chinese Banking Corporation O39 32.01 SGD 19.78 SGD −38%
Al Rajhi Banking and Investment Corporation 1120 63.15 SAR 36.95 SAR −41%
CaixaBank, S.A CABK €12.03 €8.46 −30%

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Cite: Fair Value Calculator (2026). "China CITIC Bank Corporation Fair Value". https://www.fairvalue-calculator.com/stock/CHBJF

Frequently asked questions

Is China CITIC Bank Corporation (CHBJF) overvalued or undervalued?
As of Sep 29, 2026, our model estimates a fair value of $1.88 versus the last price from Sep 25, 2026 of $0.9400, about +100% upside (undervalued).
What is the fair value of CHBJF?
Our model-based fair value for China CITIC Bank Corporation is $1.88 (as of Sep 29, 2026), built from audited fundamentals. Last price (from Sep 25, 2026): $0.9400.
What is the quality score of CHBJF?
China CITIC Bank Corporation has a Quality Score of 57/100. 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 China CITIC Bank Corporation (CHBJF)?
Our model-based price target is the fair value of $1.88 (as of Sep 29, 2026) from 6 valuation models. Cautious scenario $1.70, optimistic scenario $2.71. It is a calculation from audited fundamentals, not an analyst target.
What is the China CITIC Bank Corporation stock forecast for 2026?
Our models put fair value at $1.88, about +100% upside versus the last price from Sep 25, 2026 of $0.9400 (undervalued). Cautious scenario $1.70, optimistic scenario $2.71. The calculation is refreshed regularly with new filings.
What is the revenue of China CITIC Bank Corporation (CHBJF)?
China CITIC Bank Corporation reported trailing-twelve-month revenue of about 156B CNY (latest available figure, as of Sep 29, 2026).
What is the intrinsic value of China CITIC Bank Corporation (CHBJF)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For China CITIC Bank Corporation it is $1.88 per share (as of Sep 29, 2026), against a price of $0.9400. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is China CITIC Bank Corporation stock overvalued or undervalued in 2026?
As of Sep 29, 2026, CHBJF trades below its calculated fair value: price $0.9400, fair value $1.88, a gap of about +100% (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 CHBJF?
No. The price is what the market pays today ($0.9400); the fair value is what the company's own numbers justify ($1.88). For China CITIC Bank Corporation the two are $0.9400 per share apart. That gap is exactly why we show both numbers side by side.
How much is China CITIC Bank Corporation worth?
The market values China CITIC Bank Corporation at about $55.1B (market capitalisation, as of Sep 29, 2026). Per share that is $0.9400; our models calculate a fair value of $1.88 per share.
What do the bullish and bearish scenarios say about CHBJF?
Our models span a range for China CITIC Bank Corporation: cautious scenario $1.70, base $1.88, optimistic $2.71 per share (as of Sep 29, 2026, price $0.9400). The range comes from different growth and margin assumptions, not from analyst opinions.
Which stocks are comparable to China CITIC Bank Corporation?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, 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 China CITIC Bank Corporation stock attractive at the current price?
The data as of Sep 29, 2026: price $0.9400, calculated fair value $1.88 (+100%), Quality Score 57/100, 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 CHBJF calculated?
We run China CITIC Bank Corporation 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 $1.88, 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 14.5 % above its aggregate fair value. China CITIC Bank Corporation currently trades 50 % 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 China CITIC Bank Corporation (CHBJF)?
The latest price we hold is from Sep 25, 2026 and stands at $0.9400. Our model-based fair value is $1.88, about +100% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with China CITIC Bank Corporation right now?
The price is below even our cautious bear case ($1.70). The market is more pessimistic than our downside scenario. Solid quality (57/100) 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 China CITIC Bank Corporation (CHBJF) come from?
Earnings per share at China CITIC Bank Corporation grew +7.9 % a year from 2014 to 2025. Broken into its drivers: revenue per share +6.5 %, EBIT margin −0.1 %, tax rate +1.5 %, residual (interest, one-offs) +0.0 %. 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 China CITIC Bank Corporation

How large is the market capitalisation of China CITIC Bank Corporation (CHBJF)?
The market capitalisation of China CITIC Bank Corporation is $55.1B. 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/E ratio of China CITIC Bank Corporation (CHBJF)?
The price-to-earnings ratio of China CITIC Bank Corporation is 5.5 (as of Jun 19, 2026). Price to earnings: how many years of current profit you pay for the stock. A P/E of 10 means ten years of profit.
What is the P/S ratio of China CITIC Bank Corporation (CHBJF)?
The price-to-sales ratio of China CITIC Bank Corporation is 1.09 (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 China CITIC Bank Corporation (CHBJF)?
Earnings per share at China CITIC Bank Corporation are $0.1800 (price ÷ EPS = P/E 5.5). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of China CITIC Bank Corporation (CHBJF)?
The net margin of China CITIC Bank Corporation is 19.8% (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 China CITIC Bank Corporation (CHBJF)?
The return on equity (ROE) of China CITIC Bank Corporation is 8.5% (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 China CITIC Bank Corporation (CHBJF)?
On an EBIT basis the return on assets of China CITIC Bank Corporation 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 China CITIC Bank Corporation (CHBJF)?
The operating margin of China CITIC Bank Corporation is 60.9% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at China CITIC Bank Corporation (CHBJF)?
Revenue at China CITIC Bank Corporation is growing +3.2% versus a year earlier (3y avg −2.4%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How much free cash flow does China CITIC Bank Corporation (CHBJF) generate?
The free cash flow of China CITIC Bank Corporation is 67.6B 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 China CITIC Bank Corporation (CHBJF) carry?
The net debt of China CITIC Bank Corporation is 2.7T CNY (fiscal year 2025, ≈ 39.7 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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