Bank of Communications Co., Ltd. (BCMXY) Stock Analysis
Educational signal · not a buy or sell recommendation · How to read this
P/E 6.93 means the share price is 6.93 times one year of earnings per share; the S&P 500 usually sits near 20-25. Market cap $82.6B is the value of all shares combined. Beta 0.14: the stock has moved about 86% less than the S&P 500.
For informational purposes only. Not financial advice. Machine-generated analysis by Stock Expert AI — model gemini-2.0-flash, generated Mar 17, 2026. Editorial oversight is systemic, not page-by-page. Editorially accountable: Sedat ANAK, Founder and Editor-in-Chief. Data sources: Financial Modeling Prep, Yahoo Finance, SEC EDGAR
Quick AnswerBank of Communications Co., Ltd. (BCMXY) trades at $24.25. Bank of Communications Co., Ltd. is a large Chinese commercial bank offering a range of financial products and services to corporate and personal clients. Market cap: $82.6B, Sector: Financial services.
Price as of Sep 11, 2026 · Last analyzed: Mar 17, 2026Analyst Coverage for BCMXY: BCMXY does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates BCMXY against Financial Services peers across nine fundamental dimensions and assigns a neutral fundamental signal based on the underlying data.
No score published: this stock trades under $10,000 on a typical day, so the price beside it is not one you could reliably act on.
BCMXY: the 2 scored disciplines are evenly split. Dominant signal: Seth Klarman bullish.
How is this calculated? →AI simulations built from the named investors' published principles. Not affiliated with, endorsed by, or the opinion of these individuals. How these lenses are built
Bank of Communications Co., Ltd. (BCMXY) Financial Services Profile
Bank of Communications Co., Ltd., established in 1908 and headquartered in Shanghai, is a diversified financial institution providing corporate, personal, and treasury banking services. Operating with a substantial network of branches and a workforce of over 95,000, the company maintains a strong market capitalization and profitability within the Chinese banking sector.
What Is the Investment Thesis for BCMXY?
Bank of Communications presents a stable investment profile, supported by its significant market capitalization of $82.6B and a solid profit margin of 33.4%. The bank's dividend yield of 5.09% offers an attractive income stream for investors. A low beta of 0.14 suggests lower volatility compared to the broader market. Growth catalysts include expansion of wealth management services and international banking operations. Potential risks include regulatory changes in the Chinese financial sector and fluctuations in the global economy. The bank's established presence and diversified service offerings position it to capitalize on China's economic growth.
Based on FMP financials and quantitative analysis
BCMXY Key Highlights
Market capitalization of $82.6B, reflecting its significant size and stability within the Chinese banking sector.
- Profit margin of 33.4%, indicating strong profitability and efficient operations.
- Gross margin of 75.2%, showcasing effective cost management and revenue generation.
- Dividend yield of 5.09%, providing a consistent income stream for investors.
- Low beta of 0.14, suggesting lower volatility compared to the overall market, making it a relatively stable investment.
Who Are BCMXY's Competitors?
BCMXY is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | MoonshotScore |
|---|---|---|---|---|
| ANZGY ANZ Group Holdings Limited | $26.11 | -0.95% | $78.6B | 609-signal |
| BCLYF Barclays PLC | $6.35 | -0.78% | $85.6B | 679-signal |
| CHBJF China CITIC Bank Corporation Limited | $1.05 | 0.00% | $58.4B | — |
| CRARF Crédit Agricole S.A. | $21.32 | -1.30% | $64.5B | 649-signal |
| NABZY National Australia Bank Limited | $13.64 | -0.00% | $83.5B | 629-signal |
| NU Nu Holdings Ltd. | $15.02 | +0.13% | $72.7B | 375-pillar |
| SCBFY Standard Chartered PLC | $61.92 | -0.03% | $67.8B | 659-signal |
| INGVF ING Groep N.V. | $36.78 | +5.81% | $105B | 449-signal |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance This table mixes two scoring engines — compare a number only with others carrying the same tag.
What Are BCMXY's Key Strengths?
Large customer base and extensive branch network in China.
- Diversified range of financial products and services.
- Strong brand recognition and reputation.
- Solid financial performance and profitability.
What Are BCMXY's Weaknesses?
Exposure to regulatory risks in the Chinese financial sector.
- Potential for asset quality deterioration due to economic slowdown.
- Competition from other large state-owned banks and fintech companies.
- Dependence on the Chinese market for revenue generation.
What Could Drive BCMXY Stock Higher?
Expansion of digital banking services to attract younger customers and improve efficiency.
- Growth in wealth management services driven by increasing affluence in China.
- International expansion to diversify revenue streams and reduce reliance on the domestic market.
What Are the Key Risks for BCMXY?
Financial-distress signal — its Altman Z-Score of 0.16 sits in the distress zone (elevated bankruptcy risk).
- Inconsistent delivery — missed Wall Street EPS estimates in 5 of the last 8 reported quarters.
- Regulatory changes in the Chinese financial sector could impact operations and profitability.
- Economic slowdown in China could lead to asset quality deterioration.
- Increased competition from fintech companies and other financial institutions.
- Currency fluctuations could affect the value of the ADR for U.S. investors.
What Are the Growth Opportunities for BCMXY?
- Expansion of Wealth Management Services: The increasing affluence in China presents a significant opportunity for Bank of Communications to expand its wealth management services. By offering tailored investment products and financial advisory services, the bank can attract a larger share of the growing wealth pool. This expansion can be achieved through digital platforms and personalized customer service.
- International Banking Operations: With a presence in 18 countries and regions, Bank of Communications has the potential to further expand its international banking operations. By focusing on trade finance, cross-border payments, and investment services, the bank can capitalize on the increasing global trade and investment flows. The bank's international expansion can be accelerated through strategic partnerships and acquisitions in key markets. This will diversify the bank's revenue streams and reduce its reliance on the domestic market.
- Digital Banking Initiatives: Investing in digital banking technologies and platforms can enhance customer experience and operational efficiency. By offering mobile banking, online payment solutions, and digital lending services, Bank of Communications can attract a younger demographic and reduce its operating costs. The digital banking market in China is rapidly growing, driven by increasing internet penetration and smartphone adoption. This initiative requires continuous innovation and investment in cybersecurity.
- Green Finance and Sustainable Investing: As environmental awareness grows, Bank of Communications can capitalize on the demand for green finance and sustainable investing. By offering green loans, green bonds, and ESG-focused investment products, the bank can attract environmentally conscious investors and contribute to sustainable development. The market for green finance is expanding globally, driven by government policies and investor preferences. This opportunity aligns with the bank's corporate social responsibility goals.
- Fintech Partnerships: Collaborating with fintech companies can accelerate innovation and enhance the bank's service offerings. By partnering with fintech firms specializing in areas such as artificial intelligence, blockchain, and data analytics, Bank of Communications can improve its risk management, customer service, and operational efficiency. Fintech partnerships can also help the bank to develop new products and services that cater to the evolving needs of its customers. This strategy requires careful selection of partners and effective integration of technologies.
What Threats Does BCMXY Face?
- Increased competition from fintech companies and non-bank financial institutions.
- Regulatory changes and policy shifts in the Chinese financial sector.
- Global economic uncertainty and potential for financial crises.
- Cybersecurity risks and data breaches.
What Are BCMXY's Competitive Advantages?
- Established brand reputation and long history in the Chinese banking sector.
- Extensive branch network and customer base in China.
- Strong relationships with government and regulatory bodies.
- Diversified range of financial products and services.
- Significant market capitalization and financial strength.
What Does BCMXY Do?
Bank of Communications Co., Ltd., tracing its origins to 1908, is one of China's oldest and largest commercial banks. Headquartered in Shanghai, the bank has evolved from a primarily transportation-focused financial institution to a comprehensive provider of banking and financial services. The company operates through four key segments: Corporate Banking, Personal Banking, Treasury Businesses, and Other Businesses. Its personal banking services encompass savings deposits, loans, bank cards, and wealth management. Corporate banking includes structured deposits, syndicated loans, cash management, and investment banking services. The bank also provides international banking services, including forex management and trade finance. Bank of Communications has expanded its reach both domestically and internationally. As of December 31, 2021, it operated 248 branches in Mainland China and 23 overseas branches and representative offices in 18 countries and regions, with 69 overseas operating outlets. The company offers financial leasing, trust investment, fund management, life insurance, securities dealing and brokerage, general insurance and reinsurance, debt-to-equity swaps, and financial products issuing and financial consulting services. This diversification allows the bank to cater to a wide range of financial needs for its clients. The bank's commitment to innovation and customer service has solidified its position as a leading player in the Chinese banking sector.
What Products and Services Does BCMXY Offer?
- Provides personal banking services, including savings accounts, loans, and credit cards.
- Offers corporate banking solutions, such as loans, cash management, and trade finance.
- Engages in treasury operations, managing the bank's assets and liabilities.
- Provides wealth management services to high-net-worth individuals.
- Offers investment banking services, including underwriting and advisory services.
- Provides international banking services, including foreign exchange and cross-border payments.
- Offers financial leasing, trust investment, fund management, and insurance services.
How Does BCMXY Make Money?
- Generates revenue through interest income from loans and advances.
- Earns fees from providing various banking services, such as wealth management and investment banking.
- Profits from trading activities in the treasury business.
- Receives income from investments in financial products and subsidiaries.
What Industry Does BCMXY Operate In?
Bank of Communications operates within the dynamic Chinese banking industry, which is characterized by increasing competition and regulatory oversight. The industry is experiencing growth in digital banking and wealth management services. As one of the major players, Bank of Communications competes with other large state-owned banks and smaller regional banks. The bank's international expansion and diversified service offerings position it to capture growth opportunities in the evolving financial landscape. The Chinese banking sector is influenced by government policies and economic conditions, requiring institutions to adapt to changing market dynamics.
Who Are BCMXY's Key Customers?
- Individual customers seeking personal banking services.
- Corporate clients requiring commercial banking solutions.
- High-net-worth individuals seeking wealth management services.
- Institutional investors participating in investment banking activities.
Research confidence
Enough evidence to be useful, with gaps worth knowing about.
- ● Scoring coverage unknown
- ● Price is current
- ● Latest filing 73 days ago
- ● No analyst coverage
- ● Reported in CNY, converted to USD
MoonshotScore History
Recorded daily since 2026-08-23 · 19 snapshots
| 2026-08-23 | 50 |
| 2026-08-26 | 50 |
| 2026-08-29 | 50 |
| 2026-09-01 | 50 |
| 2026-09-04 | 50 |
| 2026-09-07 | 50 |
| 2026-09-10 | 50 |
What changed?
The score has stayed at 50.
Over the same 18 days the stock moved -6.7%.
Bank of Communications Co., Ltd. Financial Trajectory
Bank of Communications Co., Ltd. (BCMXY) reported $7.82B in revenue for Q2 FY2026, a decline of 58.5% compared to the prior quarter. The company recorded net income of $3.23B, with diluted EPS of $0.86. Quarter-over-quarter revenue has been mixed, typical for a large-cap company operating in Financial Services. Across the four most recent quarters, BCMXY averaged $0.94 in diluted EPS.
Company Profile
Bank of Communications Co., Ltd. operates in the Banks - Diversified industry within the Financial Services sector. It is headquartered in Shanghai, CN. The company is led by CEO Deqi Ren. BCMXY has traded publicly since 2021.
How Bank of Communications Co., Ltd. Is Valued
Bank of Communications Co., Ltd. carries a market capitalization of $82.6B, placing it in the large-cap category.
Key Financial Metrics
Return on equity for Bank of Communications Co., Ltd. stands at 7.9%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.6%, showing how much profit it generates from its asset base. BCMXY trades at a trailing price-to-earnings ratio of 6.93, below the Financial Services sector average of ~17.50x. Its free cash flow yield is -86.0%, a gauge of the cash the business throws off relative to its market value. A current ratio of 1.45 indicates the company holds enough short-term assets to cover its near-term obligations. Its earnings yield is 15.9%, the inverse of the P/E and a quick read on earnings relative to price.
Financial Health
Bank of Communications Co., Ltd.'s Piotroski F-Score is 6/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 0.16 places it in the distress zone, a signal of elevated financial risk.
Earnings Track Record
Bank of Communications Co., Ltd. has missed Wall Street's EPS estimate in 5 of its last 8 reported quarters — a mixed record worth weighing. Reported results have landed about 5.6% below estimates on average.
BCMXY Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Large customer base and extensive branch network in China.
- Diversified range of financial products and services.
- Strong brand recognition and reputation.
- Solid financial performance and profitability.
Bear Case
- Exposure to regulatory risks in the Chinese financial sector.
- Potential for asset quality deterioration due to economic slowdown.
- Competition from other large state-owned banks and fintech companies.
- Dependence on the Chinese market for revenue generation.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q2 FY2026 | $7.82B | $3.23B | $0.86 |
| Q1 FY2026 | $18.84B | $3.91B | $1.12 |
| Q4 FY2025 | $18.33B | $3.83B | $0.78 |
| Q3 FY2025 | $18.94B | $3.56B | $1.01 |
Q2 FY2026 · filed 30 Jun 2026 · Financial Modeling Prep
Based on FMP financials and quantitative analysis · Converted to USD from CNY at today's rate
BCMXY Latest News
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· Feb 28, 2020
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· Feb 13, 2020
BCMXY Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations collected by Financial Modeling Prep for BCMXY.
Price Targets
Wall Street price target analysis for BCMXY.
BCMXY MoonshotScore
MoonshotScore is Stock Expert AI's proprietary 0-100 research rating, not a buy or sell recommendation. No MoonshotScore is published for BCMXY; grades run from A+ (80-100) to F (below 30).
Leadership: Deqi Ren
Unknown
Without further information, a detailed biography cannot be constructed.
Track Record: Information on Deqi Ren's track record is not available in the provided context.
Bank of Communications Co., Ltd. ADR Information Unsponsored
An American Depositary Receipt (ADR) is a certificate representing shares of a foreign company trading on U.S. stock exchanges. BCMXY, as an ADR, allows U.S. investors to invest in Bank of Communications Co., Ltd. without the complexities of cross-border transactions. The ADR is denominated in U.S. dollars, simplifying trading and reporting for U.S. investors.
- Home Market Ticker: Shanghai Stock Exchange, China
- ADR Level: 1
- ADR Ratio: 1:1
- Home Market Ticker: BCMX
BCMXY OTC Market Information
The OTC Other tier represents the lowest tier of the over-the-counter (OTC) market, indicating that Bank of Communications Co., Ltd. has limited regulatory oversight and reporting requirements compared to companies listed on major exchanges like the NYSE or NASDAQ. Companies in this tier often have minimal financial disclosure, making it more challenging for investors to assess their financial health and operational performance. Investing in OTC Other stocks carries higher risks due to the lack of transparency and regulatory scrutiny.
- OTC Tier: OTC Other
- Limited financial disclosure and transparency.
- Potential for fraud and manipulation.
- Higher price volatility and wider bid-ask spreads.
- Lower trading volume and liquidity.
- Increased risk of delisting or suspension of trading.
- Verify the company's registration and legal status.
- Obtain and review available financial statements and reports.
- Research the company's management team and their track record.
- Assess the company's business model and competitive landscape.
- Evaluate the company's risk factors and potential liabilities.
- Check for any regulatory actions or legal disputes involving the company.
- Consult with a financial advisor to assess the suitability of this investment.
- Established history as a major Chinese bank.
- Significant market capitalization.
- Listing on the Shanghai Stock Exchange.
- Presence of overseas branches and operations.
- Availability of some financial information, even if limited.
What Investors Ask About Bank of Communications Co., Ltd. (BCMXY) — Financial Services
Is BCMXY a good stock?
Stock Expert AI does not rate BCMXY buy, sell or hold. Bank of Communications Co., Ltd. has no MoonshotScore yet; read the financial checkup, analyst consensus and risks directly. Whether it fits is your call: check what it sells, whether it earns, what the price assumes, and what would prove you wrong.
How sensitive is BCMXY to interest rate changes?
Bank of Communications Co., Ltd.'s net interest margin is sensitive to interest rate changes. Rising interest rates can increase the bank's net interest income, while falling rates can decrease it.
What are the key factors to evaluate for BCMXY?
Evaluate BCMXY on fundamentals, analyst consensus, and risk factors. P/E: 6.93x vs the S&P 500's ~20-25x. The bank's dividend yield of 5.09% offers an attractive income stream for investors. Not financial advice.
How frequently does BCMXY data refresh on this page?
BCMXY's price was last updated on Sep 11, 2026 and refreshes on page view during U.S. market hours; the quote is a provider snapshot, not an exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven BCMXY's recent stock price performance?
Bank of Communications Co., Ltd. (BCMXY) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Large customer base and extensive branch network in China. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider BCMXY overvalued or undervalued right now?
Bank of Communications Co., Ltd. (BCMXY) trades at 6.93x earnings. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
Can I buy fractional shares of BCMXY?
Yes, most major brokerages offer fractional shares of Bank of Communications Co., Ltd. (BCMXY) with no minimum purchase requirement. This means you can invest any dollar amount regardless of the share price. Check your brokerage platform for specific terms, fees, and fractional share availability.
How can I track BCMXY's earnings and financial reports?
Bank of Communications Co., Ltd. (BCMXY) reports quarterly earnings approximately 4-6 weeks after each fiscal quarter ends. You can track earnings dates, revenue and EPS estimates, and actual results on this page's Financials tab. Earnings surprises (beats or misses) often cause significant short-term price moves. Your brokerage can send alerts for BCMXY earnings announcements.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Information on CEO background and track record is limited.
- OTC market data may be less reliable than exchange-listed data.