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2596Yibin City Commercial Bank Co., Ltd

Finansal Hizmetler
🇭🇰 Hong Kong Borsası
2.60
HKD
Analysis Scores
Lothien Robustness Score?
63/100
Strong
Neden bu skor?
Damodaran ?
24/100
ROIC banka/finans için tanımsız — mevduat/prim fonlaması borç değil hammaddedir; değerleme öz-sermaye (P/DD) tabanlı yapılır
Dalio Risk ?
95/100
Piotroski ?
2/9
Weak
Current ratio data missing (C6); gross profit, prev year gross profit data missing → margin comparison unavailable (C8); Banka/finans: kaldıraç/cari-oran/marj kriterleri uygulanamaz, skor kalan kriterlere göre normalize edildi
Graham ?
HK$3.0
Makul
Active Metric?
4/4
Confidence?
72%
Lothien Robustness Summary
63/100
Lothien Sağlamlık: Güçlü (63/100)
Genel tablo olumlu. Finansal yapı sağlam, bazı riskler mevcut. | Kısa Vade: Nötr | Uzun Vade: Nötr | Pozitif: 5 | Negatif: 2 | Nötr: 1
Net Kâr Pozitif
Son çeyrekte HK$165M net kâr açıklandı. Şirket kârlı.
Kâr Stabil
Net kâr bir önceki çeyreğe göre fazla değişmedi (%+0.0). İstikrarlı seyir.
Yüksek Net Kâr Marjı
Net kâr marjı %24.4. Her 100HK$ satıştan 24HK$ kâr kalıyor.
Net Nakit Pozisyonu
Şirketin nakdi borçlarından HK$10.7B fazla. Borç riski düşük.
Kârlı ama Nakit Üretemiyor
Net kâr pozitif (HK$165M) ama FCF negatif (-HK$1.0B). Yatırım harcamaları yüksek veya alacak birikimi var.
Defter Değerinin Altında
PD/DD: 0.91. Hisse defter değerinin altında işlem görüyor. Değer tuzağı mı yoksa fırsat mı iyi analiz edilmeli.
Düşük EV/EBITDA
EV/EBITDA: 0.2. Operasyonel kârlılığa göre ucuz değerleme.
Düşük ROE
ROE: %2.5. Sermaye getirisi yetersiz — enflasyonun altında.

Data date 2026-10-23 Not investment advice; the figures are rule-based model output. How the scores are computed

Score record
Method How the scores are computed · Scorecard
Data date 2026-10-23
Update frequency Scheduled analysis run on business days at 19:30 Istanbul time; not every symbol is refreshed in every run

Method summaryThe Lothien Robustness Score (0-100) is a weighted combination of sub-scores computed by fixed rules from published financial statements and price data (Damodaran valuation, Dalio risk, Piotroski F-score, earnings quality, momentum and others). The rules are applied automatically to every covered stock, with weights that vary by sector.

AssumptionsCalculations rest on the company's latest published financial statements and on price data that may be delayed. Where four quarters have not been published, annual figures may be scaled from the available quarters. Model parameters such as the risk-free rate, the risk premium and long-term growth are fixed assumptions per exchange and contain no company-specific expectation.

Conflict of interestNo statement has been published on whether MIDAK, the operator of Lothien, or its team hold positions in these stocks. The figures are produced automatically by the same rules, without regard to any such position.

WarningThis information is not within the scope of investment advisory services and is not investment advice. The figures are the output of rule-based models and may not suit your financial situation or your risk and return preferences. Making an investment decision on the basis of this information alone may not lead to results that meet your expectations.

Model output; not investment advice; different models can disagree. Report an error

Risk Analysis (VaR) Düşük
252 days
Annual Volatility ?
%6.5
VaR 95% ?
%0.67
daily max loss
VaR 99% ?
%0.95
daily max loss
CVaR 95% ?
%1.03
expected loss (tail)
Max Drawdown ?
%3.7
13.03.2026 → 23.10.2026
Skewness ?
-0.32
Parametrik%0.67
Historik%0.38
Cornish-Fisher%0.58
Return Distribution
Valuation
Potential?
+13.7%
DCF Value ?
0.66
Debt Cycle?
Early Expansion
Balance Sheet Analysis? Q2026/6
Son 6 çeyrek ardışık kâr
Fiyat TRAMA-99 hafif altında: %-0.5
Direnç seviyesi: TRAMA-99 = 2.61 HKD
Fundamental & Technical Analysis
Profitability
Net Profit Margin %24.4
Net profit margin %24.4 — very strong. Compared to previous quarter +0.0 point increase.
ROE - Return on Equity (TTM) %2.5
ROE %2.5 — low return on equity.
EBITDA Margin %208.2
EBITDA margin %208.2 — operationally very efficient.
Gross Profit Margin %215.3
Gross profit per revenue %215.3. Strong pricing power.
Free Cash Flow Margin (TTM) %-150.7
TTM Free Cash Flow is %-150.7'i. Negative FCF — company consuming cash.
Valuation
P/E Ratio 18.3x Sector: 9.4x
F/K 18.3x — sector median's (9.4x) %96 above. Expensive zone.
P/B Ratio 0.91x Sector: 0.86x
PD/DD 0.91x — sector median's (0.86x) %6 above.
EV/EBITDA 0.2x Sector: 7.9x
EV/EBITDA 0.2x — sector median's (7.9x) %97 below. Cheap relative to EBITDA.
Indebtedness
Net Debt / EBITDA 0.9x
Net Debt/EBITDA 0.9x — very low debt burden. Company can repay debt quickly.
Debt / Equity 0.38x
Low leverage — majority of assets financed by equity.
Interest Coverage 18.5x
Interest coverage 18.5x — very wide margin for paying interest expenses.
Growth
Revenue Growth (YoY) %+8.7
Revenue YoY %8.7 grew — positive but slow growth.
Net Profit Growth (YoY) %+9.1
Net profit YoY %9.1 increased — positive but moderate growth.
Score Explanations
Lothien Robustness
63/100
Good robustness (63/100). The company shows a generally balanced financial profile; some areas have room for improvement.
Strong
Potential
+13.7%
Plus %13.7 expected value (2.99) vs current price comparison. 4/4 valuation models could be calculated. Model confidence %72.
Components: PE target: 1.35 | P/B target: 2.51 | EV/EBITDA target: 7.89 | DCF target: 0.66
Damodaran Valuation
24/100
Very Weak
Dalio Risk Analysis
95/100
Low debt risk (95/100). Interest coverage ratio 18.5x — strong. Debt/EBITDA 0.9x — in healthy range.
Leverage: 50/100 | Debt Service: 100/100 | Quality: 89/100
DCF Discounted Cash Flow
0.66
DCF (0.66) current price %75.0 below — cash flows do not support current price.
Current price: 2.63
Debt Cycle Phase
Early Expansion
Debt decreasing, growth gaining momentum. Company in balance sheet cleanup phase.
Piotroski F-Score
2/9
Weak Piotroski (2/9). Many balance sheet quality criteria not met. Note: Current ratio data missing (C6); gross profit, prev year gross profit data missing → margin comparison unavailable (C8)
Weak
Graham Intrinsic Value
HK$3.0
Graham intrinsic value: HK$3.0. Makul
Reasonable
⚖️ Sector Comparison
P/E Ratio
18.3x vs 9.4x
Sector median's %96 above — expensive
P/B Ratio
0.91x vs 0.86x
Compared to sector %6 more expensive (by book value)
EV/EBITDA
0.2x vs 7.9x
Compared to sector %97 lower EV/EBITDA
↔
TRAMA-99 Trend — Near TRAMA
Price (2.60), TRAMA-99 line (2.61) at close levels (%-0.5). Important decision zone — breakout direction will determine the trend.
Price:: 2.60
TRAMA: 2.61
Difference: %-0.5
Charts
Indicators
BB deviation ?
RSI thresholds ?

Price Chart ?
RSI (14) ?
Bollinger Bands ?
MACD ?
Gold-Based Price + TRAMA (Stock / Gram Gold) ?
P/E Ratio ?
P/B Ratio ?
2596 — Participation Finance Compliance
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The Lothien health scores and analyses on this page are for informational purposes only. They do not constitute investment advice. Please consult a licensed investment advisor before making investment decisions.