Chongqing Rural Commercial Bank Co., Ltd. (CRCBY)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Chongqing Rural Commercial Bank Co., Ltd. (CRCBY) trades at $43.05 with AI Score 62/100 (Grade B+). Chongqing Rural Commercial Bank Co. , Ltd. Market cap: $281.76M, Sector: Financial services.
Price live · AI analysis from Jun 15, 2026Analyst Coverage for CRCBY: CRCBY 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 CRCBY against Financial Services peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
CRCBY: 3/4 perspectives are bullish. Dominant signal: Izzy Englander bullish.
How is this calculated? →Chongqing Rural Commercial Bank Co., Ltd. (CRCBY) Financial Services Profile
Chongqing Rural Commercial Bank Co., Ltd. is a prominent regional bank in China, offering a full spectrum of financial services including corporate and personal banking, alongside financial market operations. With a significant branch network established since 1951, it serves a diverse clientele across the People's Republic of China, maintaining a strong local presence.
What Is the Investment Thesis for CRCBY?
Chongqing Rural Commercial Bank Co., Ltd. (CRCBY) presents a profile rooted in its extensive regional network and diversified banking operations within the People's Republic of China. With a substantial Profit Margin of 52.2% and a Return on Equity (ROE) of 9.0%, the bank demonstrates solid profitability and efficient capital utilization relative to its regional focus. The company's deep penetration in Chongqing and surrounding areas, evidenced by 1,760 branches as of December 2021, provides a stable deposit base and a strong platform for loan growth in both corporate and personal segments. Value drivers include the ongoing economic development in its primary operating region, which fuels demand for corporate financing and personal banking services. The bank's digital banking initiatives (mobile, internet, telephone banking) represent a growth catalyst by expanding reach and improving service efficiency without significant physical expansion. Potential risks include regulatory changes in China's financial sector, credit quality deterioration in its loan portfolio, and intense competition from larger national banks and emerging fintech platforms. The absence of a dividend yield may also influence investor perception. Its low Beta of 0.15 suggests relatively low volatility compared to the broader market, which could appeal to investors seeking stability.
Based on FMP financials and quantitative analysis
CRCBY Key Highlights
- Market Capitalization: $0.26 billion, indicating its size as a regional financial institution.
- Profit Margin: 52.2%, demonstrating strong profitability from its banking operations.
- Return on Equity (ROE): 9.0%, reflecting efficient generation of profit from shareholders' equity.
- Extensive Branch Network: 1,760 branches and 145 self-service centers as of December 31, 2021, highlighting broad physical presence in China.
- Employee Base: 14,542 employees, supporting its comprehensive range of banking and financial services.
Who Are CRCBY's Competitors?
CRCBY is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| MCHB Mechanics Bank | $16.24 | +0.50% | $3.58B | 71 |
| STLE Steele Bancorp Inc. | $43.05 | -0.67% | $80.01M | 69 |
| NASB NASB Financial, Inc. | $40.30 | +0.00% | $289.22M | 68 |
| ASBA Associated Banc-Corp | $24.53 | +0.25% | $4.05B | 67 |
| CBTN Citizens Bancorp Investment, Inc. | $35.01 | +0.00% | $207.30M | 63 |
| BUSE First Busey Corporation | $29.58 | -0.25% | $2.50B | 63 |
| PNBI Pioneer Bankshares, Inc. | $44.50 | +0.00% | $44.61M | 63 |
| FBVI FCN Banc Corp. | $35.87 | +0.17% | $61.78M | 63 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are CRCBY's Key Strengths?
- Extensive branch network and physical presence in China (1,760 branches as of 2021).
- Diversified service portfolio across corporate, personal, and financial market segments.
- Strong profitability with a 52.2% Profit Margin.
- Long operational history since 1951, fostering deep local market knowledge.
What Are CRCBY's Weaknesses?
- Relatively small market capitalization ($0.26B) compared to national banks.
- Lack of a dividend yield may deter income-focused investors.
- Potential for regional concentration risk in its loan portfolio.
- Disclosure status on OTC market is 'Unknown'.
What Could Drive CRCBY Stock Higher?
- Continued economic development in Chongqing and surrounding regions, driving demand for corporate and personal banking services.
- Expansion and enhancement of digital banking platforms, potentially increasing customer reach and operational efficiency.
- Strategic focus on wealth management services to capture growing affluence in its operating areas.
- Favorable changes in Chinese financial regulations that could support regional bank growth or reduce operational burdens.
What Are the Key Risks for CRCBY?
- Financial-distress signal — its Altman Z-Score of 0.06 sits in the distress zone (elevated bankruptcy risk).
- Intense competition from larger state-owned banks and emerging fintech companies in China.
- Deterioration of credit quality in its loan portfolio due to economic downturns or specific sector challenges.
- Regulatory changes and increased compliance costs within China's financial services sector.
- Currency fluctuations between the Chinese Yuan and the U.S. Dollar impacting ADR value.
- Limited transparency and liquidity associated with trading on the OTC Other tier.
What Are the Growth Opportunities for CRCBY?
- Expansion of Digital Banking Services: The increasing adoption of mobile and internet banking across China presents a significant growth avenue. By enhancing its mobile banking, Internet banking, and telephone banking platforms, CRCBY can reach a broader customer base beyond its physical branch network, particularly younger demographics and those in more remote areas. This digital expansion can lead to higher transaction volumes, reduced operational costs per transaction, and improved customer engagement. The digital finance market in China is substantial, with millions of users relying on online platforms for daily banking needs, offering a large addressable market for CRCBY to capture over the next 3-5 years.
- Targeted Lending to Local SMEs and Agriculture: As a rural commercial bank, CRCBY possesses inherent advantages in understanding and serving the financial needs of small and medium-sized enterprises (SMEs) and the agricultural sector in its operating regions. These segments often face challenges in accessing credit from larger national banks. By developing specialized loan products, offering tailored financial advice, and streamlining application processes for these local businesses, CRCBY can deepen its market penetration. This strategy leverages its local expertise and branch network, potentially leading to robust loan portfolio growth and stronger community ties over the medium term (3-7 years), as these sectors are crucial for regional economic development.
- Wealth Management and Personal Financial Services: With rising disposable incomes in China, particularly in urban and semi-urban areas, there is a growing demand for sophisticated wealth management products and personal financial advisory services. CRCBY's Personal Banking segment, which already offers personal wealth management services, can significantly expand this offering. By introducing a wider array of investment products, insurance, and retirement planning solutions, the bank can capture a larger share of individual customer assets. This diversification of revenue streams, moving beyond traditional lending and deposit-taking, could be a key growth driver over the next 5-10 years, tapping into a market valued in trillions of RMB.
- Cross-Selling Across Corporate and Personal Segments: CRCBY serves both corporate clients (including government agencies and financial institutions) and individual customers. There is a substantial opportunity to enhance cross-selling initiatives between these segments. For instance, employees of corporate clients could be targeted for personal banking products like loans, credit cards, and wealth management services. Similarly, successful individual clients might be potential leads for small business loans or corporate services if they own businesses. By integrating customer data and developing incentive programs for cross-referrals, CRCBY can increase customer lifetime value and deepen relationships across its existing client base, driving incremental revenue growth over the next 2-5 years.
- Leveraging Financial Market Operations for Fee Income: The Financial Market Operations segment primarily involves money market and repurchase transactions, and debt instrument investments. While these are often balance sheet-intensive, there's an opportunity to expand into advisory services or structured products for corporate and institutional clients, thereby generating fee-based income. By offering expertise in fixed income, foreign exchange, or capital markets to its corporate clients, CRCBY can diversify its revenue away from pure interest income. This strategy would require specialized talent and regulatory approvals but could unlock new, less capital-intensive revenue streams within the next 5-8 years, enhancing overall profitability and financial resilience.
What Opportunities Does CRCBY Have?
- Expansion of digital banking services to reach a wider customer base.
- Increased demand for financial services driven by regional economic growth in China.
- Growth in wealth management services for a rising middle class.
- Cross-selling opportunities between corporate and personal banking segments.
What Threats Does CRCBY Face?
- Intense competition from larger state-owned banks and emerging fintech platforms.
- Potential for adverse changes in China's financial regulatory environment.
- Economic slowdowns or credit quality deterioration impacting loan portfolios.
- Currency fluctuation risks for ADR holders.
What Are CRCBY's Competitive Advantages?
- Extensive regional branch network (1,760 branches as of 2021) providing deep local presence and accessibility.
- Established customer relationships and local market knowledge cultivated since 1951.
- Diversified service offerings across corporate, personal, and financial market segments.
- Regulatory licenses and operational infrastructure required to operate as a commercial bank in China.
What Does CRCBY Do?
Founded in 1951 as Chongqing Rural Credit Union, the institution rebranded to Chongqing Rural Commercial Bank Co., Ltd. in 2008, establishing itself as a key financial services provider in the People's Republic of China. Headquartered in Chongqing, the bank operates through three primary segments: Corporate Banking, Personal Banking, and Financial Market Operations. The Corporate Banking segment is dedicated to serving corporations, government agencies, and other financial institutions by offering a comprehensive suite of financial products. These include deposit-taking services, various corporate loan facilities, trade financing solutions, financial leasing, and a range of corporate intermediary services designed to support business growth and operational efficiency. The Personal Banking segment caters to individual customers, providing essential financial products and services tailored to their needs. This segment encompasses diverse deposit products, personal loans for various purposes, card services, and sophisticated personal wealth management offerings. Additionally, it delivers other personal intermediary services, aiming to foster financial well-being among its individual clientele. The Financial Market Operations segment focuses on more specialized activities, engaging in money market transactions, repurchase agreements, and strategic investments in debt instruments. These activities are conducted both for the bank's own accounts and on behalf of its customers, contributing to its overall financial stability and market presence. Beyond traditional brick-and-mortar services, Chongqing Rural Commercial Bank Co., Ltd. has embraced digital banking, offering mobile banking, Internet banking, and telephone banking services to enhance customer convenience and accessibility. As of December 31, 2021, the bank boasted an extensive physical network comprising 1,760 branches. This network includes its head office, a dedicated business department, 7 main branches, 35 first-class sub-branches, 134 second-class sub-branches, 2 community sub-branches, and 1,580 smaller branch offices. Complementing its branch network, the bank also operated 145 self-service 24-hour banking centers, underscoring its commitment to broad geographical coverage and customer service accessibility within China.
What Products and Services Does CRCBY Offer?
- Provides deposit-taking services for corporate and individual customers.
- Offers corporate loans, trade financing, and financial leasing to businesses and institutions.
- Extends personal loans and card services to individual clients.
- Manages personal wealth management services for individuals.
- Conducts money market and repurchase transactions.
- Invests in debt instruments for its own accounts and on behalf of customers.
- Delivers digital banking services including mobile, Internet, and telephone banking.
- Operates an extensive network of 1,760 branches and 145 self-service centers across China.
How Does CRCBY Make Money?
- Generates interest income from corporate and personal loans.
- Earns fee and commission income from various intermediary services, wealth management, and card services.
- Derives income from financial market operations, including investments in debt instruments and money market activities.
- Manages a large deposit base from both corporate and individual customers, which serves as a primary funding source for lending activities.
What Industry Does CRCBY Operate In?
Chongqing Rural Commercial Bank Co., Ltd. operates within China's highly regulated and competitive financial services sector, specifically as a regional bank. The industry is characterized by significant government influence, evolving regulatory frameworks, and increasing competition from both large state-owned banks and agile fintech companies. Regional banks like CRCBY often benefit from deep local market knowledge and established customer relationships, which can be a competitive advantage in securing deposits and extending loans to local businesses and individuals. Market trends include a push towards digitalization of banking services, increased focus on risk management, and efforts to support local economic development. CRCBY's extensive branch network positions it as a key player in its primary operating region, allowing it to capture local market share despite the broader competitive landscape. The bank's focus on corporate, personal, and financial market operations aligns with the diverse needs of a developing regional economy.
Who Are CRCBY's Key Customers?
- Corporations and businesses requiring financing, trade services, and deposits.
- Government agencies and financial institutions seeking various banking and intermediary services.
- Individual customers utilizing deposit products, personal loans, cards, and wealth management services.
- Local communities within Chongqing and other regions in the People's Republic of China.
FY2026 estForward Outlook
Wall Street analysts project Chongqing Rural Commercial Bank Co., Ltd. revenue of about $214.56B for fiscal 2026, with EPS near $0.00. The estimate reflects 5 contributing analysts.
Quarterly Financial Performance: Chongqing Rural Commercial Bank Co., Ltd.
Revenue for Chongqing Rural Commercial Bank Co., Ltd. came in at $12.93B during Q1 2026, a 6.0% improvement versus the preceding quarter. The company recorded net income of $3.91B, with diluted EPS of $860.50. Quarter-over-quarter revenue has been mixed, typical for a micro-cap company operating in Financial Services. Across the four most recent quarters, CRCBY averaged $486.75 in diluted EPS.
CRCBY Valuation & Market Position
With a $281.76M market cap, Chongqing Rural Commercial Bank Co., Ltd. sits in the micro-cap segment of the market. Relative to its peer group, CRCBY's quantitative score of 62/100 is roughly in line with the peer average of 68/100.
ROE 9%Key Financial Metrics
Return on equity for Chongqing Rural Commercial Bank Co., Ltd. stands at 9.2%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.7%, showing how much profit it generates from its asset base. CRCBY trades at a trailing price-to-earnings ratio of 6.48, below the Financial Services sector average of ~18x. A current ratio of 0.53 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 17.1%, the inverse of the P/E and a quick read on earnings relative to price.
F-Score 7/9Financial Health
Chongqing Rural Commercial Bank Co., Ltd.'s Piotroski F-Score is 7/9, a 9-point checklist of profitability, leverage and efficiency — signaling solid underlying fundamentals. Its Altman Z-Score of 0.06 places it in the distress zone, a signal of elevated financial risk.
Company Profile
Chongqing Rural Commercial Bank Co., Ltd. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Chongqing, CN. The company is led by CEO Xiaojun Liu. CRCBY has traded publicly since 2015.
CRCBY Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Extensive branch network and physical presence in China (1,760 branches as of 2021).
- Diversified service portfolio across corporate, personal, and financial market segments.
- Strong profitability with a 52.2% Profit Margin.
- Long operational history since 1951, fostering deep local market knowledge.
Bear Case
- Relatively small market capitalization ($0.26B) compared to national banks.
- Lack of a dividend yield may deter income-focused investors.
- Potential for regional concentration risk in its loan portfolio.
- Disclosure status on OTC market is 'Unknown'.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · July 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 2026 | $12.93B | $3.91B | $860.50 |
| Q4 2025 | $12.20B | $1.42B | $311.00 |
| Q3 2025 | $12.44B | $2.98B | $655.00 |
| Q2 2025 | $6.81B | $3.92B | $120.50 |
Based on FMP financials and quantitative analysis
CRCBY Latest News
No recent news available for CRCBY.
CRCBY Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for CRCBY.
Price Targets
Wall Street price target analysis for CRCBY.
CRCBY MoonshotScore
What does this score mean?
The MoonshotScore rates CRCBY's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: Xiaojun Liu
Chief Executive Officer
Unknown
Track Record: Unknown
Chongqing Rural Commercial Bank Co., Ltd. ADR Information Unsponsored
Chongqing Rural Commercial Bank Co., Ltd. trades as an American Depositary Receipt (ADR) Level 1, under the ticker CRCBY. An ADR is a certificate issued by a U.S. depositary bank representing shares in a foreign stock. Level 1 ADRs are the most basic form, allowing foreign companies to trade on the U.S. over-the-counter (OTC) market without needing to meet full SEC registration requirements or U.S. GAAP accounting standards. This makes CRCBY accessible to U.S. investors without directly trading on the home market.
- Home Market Ticker: Chongqing, China (Home Market Ticker: CRCB)
- ADR Level: 1
- ADR Ratio: 1:1
- Home Market Ticker: CRCB
CRCBY OTC Market Information
CRCBY trades on the OTC market under the "OTC Other" tier. This tier is for companies that do not meet the requirements for OTCQX or OTCQB, or choose not to provide sufficient disclosure to qualify for those tiers. Unlike stocks on major exchanges like NYSE or NASDAQ, which have stringent listing requirements regarding financial health, corporate governance, and reporting, OTC Other companies have minimal public disclosure obligations. This can result in less available financial information and transparency for investors. The "OTC Other" designation implies a higher degree of risk and less regulatory oversight compared to companies listed on higher OTC tiers or national exchanges.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- Limited public information and transparency due to "Unknown" disclosure status.
- Lower liquidity and wider bid-ask spreads compared to exchange-listed stocks.
- Increased volatility and potential for price manipulation due to less regulatory oversight.
- Difficulty in obtaining reliable financial data and corporate news.
- Higher risk of delisting or cessation of trading if disclosure requirements are not met.
- Verify the company's financial statements directly from its home country filings, if available.
- Research any news or announcements from the company's primary market in China.
- Assess the company's management team and corporate governance practices.
- Understand the regulatory environment in China for regional banks.
- Evaluate the current trading volume and bid-ask spread on the OTC market.
- Consult with financial advisors experienced in international and OTC investments.
- Analyze the company's competitive landscape within its specific regional market.
- Established operating history since 1951, indicating longevity.
- Extensive branch network of 1,760 branches as of December 2021.
- Publicly traded on the OTC market, even if at a lower tier.
- Identified CEO, Xiaojun Liu, managing a substantial employee base of 14,542.
- Provides a comprehensive range of traditional banking services, suggesting a real business operation.
What Investors Ask About Chongqing Rural Commercial Bank Co., Ltd. (CRCBY) — Financial Services
What does Chongqing Rural Commercial Bank Co., Ltd. do?
Chongqing Rural Commercial Bank Co., Ltd. is a comprehensive financial institution operating in the People's Republic of China, providing a wide array of banking and related financial services. Its operations are segmented into Corporate Banking, Personal Banking, and Financial Market Operations. The bank offers deposit-taking, various loan products (corporate and personal), trade financing, financial leasing, card services, and wealth management. It also engages in money market transactions and debt instrument investments. With an extensive network of 1,760 branches and 145 self-service centers as of December 2021, coupled with digital banking services, it serves a diverse clientele including corporations, government agencies, financial institutions, and individual customers across its regional footprint.
What is Chongqing Rural Commercial Bank Co., Ltd.'s credit quality and risk management approach?
The provided source data does not offer specific details regarding Chongqing Rural Commercial Bank Co., Ltd.'s credit quality metrics, such as non-performing loan ratios, provision levels, or detailed risk management frameworks. However, as a regional bank operating within China's regulated financial sector, it is subject to national banking supervision and capital adequacy requirements. Generally, regional banks manage credit risk through loan origination standards, collateral requirements, and ongoing monitoring of borrower financial health. Without specific data, a comprehensive assessment of its loan portfolio quality and the robustness of its risk management approach cannot be fully articulated based solely on the provided information.
What regulatory challenges does Chongqing Rural Commercial Bank Co., Ltd. face?
As a financial institution in the People's Republic of China, Chongqing Rural Commercial Bank Co., Ltd. operates under a complex and evolving regulatory environment. Key challenges include adhering to capital adequacy ratios, managing liquidity requirements set by the People's Bank of China and other regulatory bodies, and complying with anti-money laundering (AML) and know-your-customer (KYC) regulations. The bank also faces ongoing pressure to support government policy initiatives, such as lending to specific sectors or regions, which can influence its loan portfolio strategy. Additionally, as an OTC-listed entity with "Unknown" disclosure status, it faces scrutiny regarding transparency and reporting standards, which could lead to potential regulatory hurdles or investor skepticism.
How does Chongqing Rural Commercial Bank Co., Ltd. differentiate itself in the competitive Chinese banking market?
Chongqing Rural Commercial Bank Co., Ltd. differentiates itself primarily through its deep regional penetration and extensive physical network within Chongqing and surrounding areas. With 1,760 branches as of December 2021, it possesses a significant local presence that fosters strong community ties and customer relationships, particularly valuable in serving local businesses, government agencies, and individual customers who may prefer traditional banking access. Its long operational history since 1951 provides established brand recognition and trust within its target markets. While facing competition from larger national banks, its focused regional strategy allows for tailored services and a better understanding of local economic dynamics, providing a competitive edge in its specific operating environment.
What are the key factors to evaluate for CRCBY?
Chongqing Rural Commercial Bank Co., Ltd. (CRCBY) holds an AI score of 62/100 (moderate). P/E: 6.5x vs the S&P 500's ~20-25x. Not financial advice.
How frequently does CRCBY data refresh on this page?
CRCBY prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven CRCBY's recent stock price performance?
Chongqing Rural Commercial Bank Co., Ltd. (CRCBY) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Extensive branch network and physical presence in China (1,760 branches as of 2021). See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider CRCBY overvalued or undervalued right now?
Chongqing Rural Commercial Bank Co., Ltd. (CRCBY) trades at 6.5x earnings. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
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, track record, and tenure is not available in the provided source data.
- Specific details on credit quality, risk management frameworks, and tax implications for ADR holders were not provided.
- Competitor information was not provided in the FMP PEER TICKERS section.
- Disclosure status on OTC market is 'Unknown', limiting transparency assessment.