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Bank of Xi'anLtd

XSSC:600928
Snowflake Description

Flawless balance sheet with proven track record.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
600928
XSSC
CN¥30B
Market Cap
  1. Home
  2. CN
  3. Banks
Company description

Bank of Xi'an Co.,Ltd. provides banking products and services for individuals and business customers. The last earnings update was 39 days ago. More info.


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600928 Share Price and Events
7 Day Returns
1.6%
XSSC:600928
0.9%
CN Banks
2%
CN Market
1 Year Returns
-
XSSC:600928
17.6%
CN Banks
17.6%
CN Market
600928 Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
Bank of Xi'anLtd (600928) 1.6% -1.7% -13% - - -
CN Banks 0.9% -5.4% 2.3% 17.6% 9.6% 52.5%
CN Market 2% -1.3% -2.7% 17.6% -16.9% 7.3%
1 Year Return vs Industry and Market
  • No trading data on 600928.
  • No trading data on 600928.
Price Volatility
Industry
5yr Volatility vs Market

Value

 Is Bank of Xi'anLtd undervalued based on future cash flows and its price relative to the stock market?

Value is all about what a company is worth versus what price it is available for. If you went into a grocery store and all the bananas were on sale at half price, they could be considered undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
Here we compare the current share price of Bank of Xi'anLtd to its discounted cash flow analysis.value.

The discounted cash flow value is simply looking at what the company is worth today, based on estimates of how much money it is expected to make in the future.
Raw Data

Below are the data sources, inputs and calculation used to determine the intrinsic value for Bank of Xi'anLtd.

XSSC:600928 Discounted Cash Flow Data Sources
Data Point Source Value
Valuation Model Excess Returns Model
Stable EPS Median Return on Equity from the past 5 years.
= Stable Book Value * Return on Equity
= CN¥4.42 * 12.3%
CN¥0.54
Book Value of Equity per Share Median Book Value from the past 5 years. CN¥4.42
Discount Rate (Cost of Equity) See below 12.5%
Perpetual Growth Rate 10-Year CN Government Bond Rate 3.2%

An important part of a discounted cash flow is the discount rate, below we explain how it has been calculated.

Calculation of Discount Rate/ Cost of Equity for XSSC:600928
Data Point Calculation/ Source Result
Risk-Free Rate 10-Year CN Govt Bond Rate 3.2%
Equity Risk Premium S&P Global 6.3%
Banks Unlevered Beta Simply Wall St/ S&P Global 0.61
Re-levered Beta = Unlevered beta (1 + (1- tax rate) (Debt/Equity))
= 0.613 (1 + (1- 25%) (234.52%))
1.463
Levered Beta Levered Beta limited to 0.8 to 2.0
(practical range for a stable firm)
1.46
Discount Rate/ Cost of Equity = Cost of Equity = Risk Free Rate + (Levered Beta * Equity Risk Premium)
= 3.2% + (1.463 * 6.33%)
12.46%

Discounted Cash Flow Calculation for XSSC:600928 using Excess Returns Model Model

The calculations below outline how an intrinsic value for Bank of Xi'anLtd is arrived at using the Excess Return Model. This approach is used for finance firms where free cash flow is difficult to estimate.

In the Excess Return Model the value of a firm can be written as the sum of capital invested currently in the firm and the present value of excess returns that the firm expects to make in the future.

The model is sensitive to the Return on Equity of the company versus the Cost of Equity, how these are calculated is detailed below the main calculation.

Note the calculations below are per share.

See our documentation to learn about this calculation.

XSSC:600928 Value of Excess Returns
Calculation Result
Excess Returns = (Stable Return on equity – Cost of equity) (Book Value of Equity per share)
= (12.3% – 12.46%) * CN¥4.42)
CN¥-0.01
Terminal Value of Excess Returns = Excess Returns / (Cost of Equity - Expected Growth Rate)
= CN¥-0.01 / (12.46% - 3.2%)
CN¥-0.09
Value of Equity = Book Value per share + Terminal Value of Excess Returns
= CN¥4.42 + CN¥-0.09
CN¥4.33
XSSC:600928 Discount to Share Price
Calculation Result
Value per share (CNY) From above. CN¥4.33
Current discount Discount to share price of CN¥6.82
= -1 x (CN¥6.82 - CN¥4.33) / CN¥4.33
-57.7%

Learn more about our DCF calculations in Simply Wall St’s analysis model .

  • The current share price of Bank of Xi'anLtd is above its future cash flow value.
Often investors are willing to pay a premium for a company that has a high dividend or the potential for future growth.
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing when they are out of season, or how much your home is worth.

The amount the stock market is willing to pay for Bank of Xi'anLtd's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are Bank of Xi'anLtd's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
XSSC:600928 PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2019-09-30) in CNY CN¥0.60
SHSE:600928 Share Price ** SHSE (2019-12-05) in CNY CN¥6.82
China Banks Industry PE Ratio Median Figure of 25 Publicly-Listed Banks Companies 7.72x
China Market PE Ratio Median Figure of 2,996 Publicly-Listed Companies 30.32x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of Bank of Xi'anLtd.

XSSC:600928 PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= SHSE:600928 Share Price ÷ EPS (both in CNY)

= 6.82 ÷ 0.60

11.34x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Bank of Xi'anLtd is overvalued based on earnings compared to the CN Banks industry average.
  • Bank of Xi'anLtd is good value based on earnings compared to the China market.
Price based on expected Growth
Does Bank of Xi'anLtd's expected growth come at a high price?
Raw Data
XSSC:600928 PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section 11.34x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 1 Analysts
Not available
China Banks Industry PEG Ratio Median Figure of 13 Publicly-Listed Banks Companies 0.67x
China Market PEG Ratio Median Figure of 1,261 Publicly-Listed Companies 1.21x

*Line of best fit is calculated by linear regression .

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to calculate PEG ratio for Bank of Xi'anLtd, we can't assess if its growth is good value.
Price based on value of assets
What value do investors place on Bank of Xi'anLtd's assets?
Raw Data
XSSC:600928 PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2019-09-30) in CNY CN¥5.21
SHSE:600928 Share Price * SHSE (2019-12-05) in CNY CN¥6.82
China Banks Industry PB Ratio Median Figure of 25 Publicly-Listed Banks Companies 0.88x
China Market PB Ratio Median Figure of 3,603 Publicly-Listed Companies 2.22x
XSSC:600928 PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= SHSE:600928 Share Price ÷ Book Value per Share (both in CNY)

= 6.82 ÷ 5.21

1.31x

* Primary Listing of Bank of Xi'anLtd.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Bank of Xi'anLtd is overvalued based on assets compared to the CN Banks industry average.
X
Value checks
We assess Bank of Xi'anLtd's value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the Banks industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the Banks industry average (and greater than 0)? (1 check)
  5. Bank of Xi'anLtd has a total score of 1/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

Future Performance

 How is Bank of Xi'anLtd expected to perform in the next 1 to 3 years based on estimates from 1 analyst?

The future performance of a company is measured in the same way as past performance, by looking at estimated growth and how much profit it is expected to make.

Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Annual Growth Rate
19.2%
Expected annual growth in revenue.
Earnings growth vs Low Risk Savings
Is Bank of Xi'anLtd expected to grow at an attractive rate?
  • Unable to compare Bank of Xi'anLtd's earnings growth to the low risk savings rate as no estimate data is available.
Growth vs Market Checks
  • Unable to compare Bank of Xi'anLtd's earnings growth to the China market average as no estimate data is available.
  • Bank of Xi'anLtd's revenue growth is expected to exceed the China market average.
Annual Growth Rates Comparison
Raw Data
XSSC:600928 Future Growth Rates Data Sources
Data Point Source Value (per year)
XSSC:600928 Future Revenue Growth Rate Line of Best Fit* through Consensus Estimate Revenue of 1 Analysts 19.2%
China Banks Industry Earnings Growth Rate Market Cap Weighted Average 10.8%
China Banks Industry Revenue Growth Rate Market Cap Weighted Average 11.8%
China Market Earnings Growth Rate Market Cap Weighted Average 20.8%
China Market Revenue Growth Rate Market Cap Weighted Average 15.6%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
XSSC:600928 Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (2 months ago) See Below
Future Estimates Average of up to 1 Analyst Estimates (S&P Global) See Below
All numbers in CNY Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
XSSC:600928 Future Estimates Data
Date (Data in CNY Millions) Revenue Cash Flow Net Income * Avg. No. Analysts
2021-12-31 8,800 1
2020-12-31 8,000 1
2019-12-31 7,300 1
XSSC:600928 Past Financials Data
Date (Data in CNY Millions) Revenue Cash Flow Net Income *
2019-09-30 4,919 2,676 2,569
2019-06-30 4,896 2,132 2,494
2019-03-31 4,795 -339 2,453
2018-12-31 4,632 -17,747 2,362
2018-09-30 4,485 2,320
2018-06-30 4,312 2,233
2018-03-31 4,210 2,190
2017-12-31 4,123 12,630 2,131
2017-09-30 4,341 2,124
2017-06-30 4,197 2,059
2017-03-31 4,209 2,035
2016-12-31 4,221 -202 2,011

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • Unable to determine if Bank of Xi'anLtd is high growth as no earnings estimate data is available.
  • Bank of Xi'anLtd's revenue is expected to grow by 19.2% yearly, however this is not considered high growth (20% yearly).
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can be gauged below. We look back 3 years and see if they were any good at predicting what actually occurred. We also show the highest and lowest estimates looking forward to see if there is a wide range.
Raw Data
XSSC:600928 Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (2 months ago) See Below
Future Estimates Average of up to 1 Analyst Estimates (S&P Global) See Below

All data from Bank of Xi'anLtd Company Filings, last reported 2 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

XSSC:600928 Future Estimates Data
Date (Data in CNY Millions) EPS * EPS High Estimate EPS Low Estimate Avg. No. Analysts
2021-12-31
2020-12-31
2019-12-31
XSSC:600928 Past Financials Data
Date (Data in CNY Millions) EPS *
2019-09-30 0.60
2019-06-30 0.60
2019-03-31 0.61
2018-12-31 0.59
2018-09-30 0.58
2018-06-30 0.57
2018-03-31 0.54
2017-12-31 0.53
2017-09-30 0.53
2017-06-30 0.51
2017-03-31 0.51
2016-12-31 0.50

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • Bank of Xi'anLtd is not expected to efficiently use shareholders’ funds in the future (Return on Equity less than 20%).
X
Future performance checks
We assess Bank of Xi'anLtd's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the China market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the China market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
Bank of Xi'anLtd has a total score of 1/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

Past Performance

  How has Bank of Xi'anLtd performed over the past 5 years?

The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare Bank of Xi'anLtd's growth in the last year to its industry (Banks).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • Bank of Xi'anLtd's year on year earnings growth rate has been positive over the past 5 years.
  • Bank of Xi'anLtd's 1-year earnings growth exceeds its 5-year average (10.7% vs 6.9%)
  • Bank of Xi'anLtd's earnings growth has exceeded the CN Banks industry average in the past year (10.7% vs 10.4%).
Earnings and Revenue History
Bank of Xi'anLtd's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from Bank of Xi'anLtd Company Filings, last reported 2 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

XSSC:600928 Past Revenue, Cash Flow and Net Income Data
Date (Data in CNY Millions) Revenue Net Income * G+A Expenses R&D Expenses
2019-09-30 4,919.04 2,568.76 1,788.68
2019-06-30 4,895.90 2,494.00 1,775.10
2019-03-31 4,795.08 2,452.93 1,708.18
2018-12-31 4,632.32 2,361.57 1,663.37
2018-09-30 4,485.15 2,320.31 1,560.89
2018-06-30 4,312.20 2,233.37 1,541.55
2018-03-31 4,209.68 2,190.17 1,485.47
2017-12-31 4,122.91 2,131.02 1,476.41
2017-09-30 4,341.19 2,123.83 1,587.03
2017-06-30 4,197.46 2,059.18 1,467.70
2017-03-31 4,208.99 2,035.16 1,417.57
2016-12-31 4,220.53 2,011.14 1,367.44
2016-09-30 4,069.93 1,996.06 1,245.81
2016-06-30 4,281.35 2,038.45 1,354.13
2016-03-31 4,256.92 2,013.98 1,339.04
2015-12-31 4,232.50 1,989.51 1,323.95
2014-12-31 3,830.72 1,806.89 1,088.11
2013-12-31 3,373.85 1,631.26 1,015.68
2012-12-31 2,976.39 1,454.87 859.48

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • Bank of Xi'anLtd has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
  • Bank of Xi'anLtd used its assets more efficiently than the CN Banks industry average last year based on Return on Assets.
  • Unable to establish if Bank of Xi'anLtd improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.
X
Past performance checks
We assess Bank of Xi'anLtd's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the Banks industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent earnings report. Some checks require at least 3 or 5 years worth of data.
Bank of Xi'anLtd has a total score of 4/6, see the detailed checks below.

Note: We use GAAP Net Income excluding extraordinary items in all our calculations.

Full details on the Past part of the Simply Wall St company analysis model.

Health

 How is Bank of Xi'anLtd's financial position? (This company is analysed differently as a bank or financial institution)

This company is a bank or financial institution.

Fundamentally a bank's business is based upon borrowing and lending money, for this reason they typically have high levels of debt and we analyse them differently.
Net Worth
Balance sheet
This treemap shows a more detailed breakdown of Bank of Xi'anLtd's finances. If any of them are yellow this indicates they may be out of proportion and red means they relate to one of the checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, however if the debt is too high, or the company can’t afford to pay the interest on its debts this may have impacts in the future.

The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.

If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
Raw Data

All data from Bank of Xi'anLtd Company Filings, last reported 2 months ago.

XSSC:600928 Past Debt and Equity Data
Date (Data in CNY Millions) Total Equity Total Debt Cash & Short Term Investments
2019-09-30 23,198.42 69,729.55 52,102.38
2019-06-30 22,625.77 62,167.19 40,086.28
2019-03-31 22,618.79 65,029.11 36,724.85
2018-12-31 19,994.10 59,622.94 14,977.12
2018-09-30 19,391.78 5,495.32 51,279.06
2018-06-30 18,762.65 63,440.66 38,846.05
2018-03-31 17,715.06 62,554.81 22,472.49
2017-12-31 17,715.06 62,554.81 22,472.49
2017-09-30 17,715.06 62,554.81 22,472.49
2017-06-30 16,761.64 45,140.52 42,357.04
2017-03-31 16,761.64 45,140.52 42,357.04
2016-12-31 15,971.79 56,894.58 31,475.90
2016-09-30 15,463.32 39,918.79 49,204.09
2016-06-30 15,040.18 41,336.07 50,437.78
2016-03-31 15,040.18 41,336.07 50,437.78
2015-12-31 14,418.88 61,046.61 50,752.04
2014-12-31 9,826.06 18,292.20 25,141.84
2013-12-31 8,290.58 12,985.61 34,909.67
2012-12-31 6,774.17 5,470.00 29,361.58
BANK ANALYSIS

This company is a bank or financial institution, which is analysed accordingly below.

Below we check the amount of loans the bank has, how many of those are bad, and its ability to cover any bad loans.
  • Bank of Xi'anLtd has an acceptable proportion of non-loan assets held.
  • Bank of Xi'anLtd's liabilities are made up of primarily low risk sources of funding.
  • Loans at Bank of Xi'anLtd are broadly funded by customer deposits.
  • Bank of Xi'anLtd's level of assets compared to its equity is moderate (i.e. an appropriate level of borrowing to fund lending).
  • Bank of Xi'anLtd has a sufficient allowance for bad loans.
  • Bank of Xi'anLtd has an acceptable level of bad loans (less than 2%).
X
Financial health checks
We assess Bank of Xi'anLtd's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
  7. Bank of Xi'anLtd has a total score of 6/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

Dividends

 What is Bank of Xi'anLtd's current dividend yield, its reliability and sustainability?

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
2.35%
Current annual income from Bank of Xi'anLtd dividends.
If you bought CN¥2,000 of Bank of Xi'anLtd shares you are expected to receive CN¥47 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • Bank of Xi'anLtd's pays a higher dividend yield than the bottom 25% of dividend payers in China (0.48%).
  • Bank of Xi'anLtd's dividend is above the markets top 25% of dividend payers in China (1.96%).
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
XSSC:600928 Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 1 Analyst Estimates (S&P Global) See Below
China Banks Industry Average Dividend Yield Market Cap Weighted Average of 24 Stocks 3.1%
China Market Average Dividend Yield Market Cap Weighted Average of 2577 Stocks 1.9%
China Minimum Threshold Dividend Yield 10th Percentile 0.2%
China Bottom 25% Dividend Yield 25th Percentile 0.5%
China Top 25% Dividend Yield 75th Percentile 2%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

XSSC:600928 Future Dividends Estimate Data
Date (Data in CN¥) Dividend per Share (annual) Avg. No. Analysts
2021-12-31
2020-12-31
2019-12-31
XSSC:600928 Past Annualized Dividends Data
Date (Data in CN¥) Dividend per share (annual) Avg. Yield (%)
2019-06-19 0.160 2.216

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • It is too early to tell whether Bank of Xi'anLtd has stable dividend payments.
  • Bank of Xi'anLtd only just started paying a dividend, it is too early to tell if payments are increasing.
Current Payout to shareholders
What portion of Bank of Xi'anLtd's earnings are paid to the shareholders as a dividend.
  • Dividends paid are well covered by earnings (3.8x coverage).
Future Payout to shareholders
  • Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.
X
Income/ dividend checks
We assess Bank of Xi'anLtd's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 0.2%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can Bank of Xi'anLtd afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. Bank of Xi'anLtd has a total score of 3/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

Management

 What is the CEO of Bank of Xi'anLtd's salary, the management and board of directors tenure and is there insider trading?

Management is one of the most important areas of a company. We look at unreasonable CEO compensation, how long the team and board of directors have been around for and insider trading.
  • Bank of Xi'anLtd has no CEO, or we have no data on them.
Management Team Tenure

Average tenure and age of the Bank of Xi'anLtd management team in years:

3.2
Average Tenure
50
Average Age
  • The tenure for the Bank of Xi'anLtd management team is about average.
Management Team

Xin Wang

TITLE
Chief Information Officer
AGE
55
TENURE
3.2 yrs

Chen Kai

TITLE
Compliance Director
AGE
57
TENURE
3.1 yrs

Qiang Liu

TITLE
GM of HR Dept
AGE
47

Li Ma

TITLE
President of Chengbei Sub-Branch
AGE
46

Xiao Yun Shi

TITLE
Secretary of the Board of Directors
AGE
53
TENURE
3.3 yrs

Xue Li

TITLE
GM of the Retail Business Unit
AGE
43
Board of Directors Tenure

Average tenure and age of the Bank of Xi'anLtd board of directors in years:

3.3
Average Tenure
54
Average Age
  • The tenure for the Bank of Xi'anLtd board of directors is about average.
Board of Directors

Jun Guo

TITLE
Chairman of the Board
AGE
56
TENURE
4.7 yrs

Xin Wang

TITLE
Chief Information Officer
AGE
55
TENURE
3.3 yrs

Qiang Liu

TITLE
GM of HR Dept
AGE
47
TENURE
3.3 yrs

Yong Jian Chen

TITLE
Non-Executive Director
AGE
53
TENURE
6.2 yrs

Zhi Sheng Liao

TITLE
Independent Director
AGE
71
TENURE
3.3 yrs

Zhi Shun Liu

TITLE
Chief Supervisor
AGE
58
TENURE
3.3 yrs

Bao Sheng Gong

TITLE
Non-Executive Director
AGE
56
TENURE
3.3 yrs

Yong Li

TITLE
Non-Executive Director
AGE
46
TENURE
4.7 yrs

Jun Hu

TITLE
Non Executive Director
AGE
49
TENURE
3.3 yrs

Wei Huang

TITLE
Non Executive Director
AGE
53
TENURE
3.3 yrs
Who owns this company?
Recent Insider Trading
  • No 3 month open market individual insider trading information.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price (CN¥) Value (CN¥)
X
Management checks
We assess Bank of Xi'anLtd's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
  5. Bank of Xi'anLtd has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

News

Simply Wall St News

Company Info

Description

Bank of Xi'an Co.,Ltd. provides banking products and services for individuals and business customers. It offers demand, zero, time, notice, and agreement deposits; educational and foreign currency savings; and personal, housing mortgage, consumer, business, car, pledged, student, project, real estate, working capital, technology, government purchase, shop rent, small and micro enterprise, and syndicated loans. The company also provides entrusted, guarantee, trade finance, and bill services; electronic commercial drafts; cash management services; and insurance products. It operates 176 branches. The company was formerly known as Xi'an City Commercial Bank Co., Ltd. and changed its name to Bank of Xi'an Co.,Ltd. in January 2010. Bank of Xi'an Co.,Ltd. was founded in 1997 and is headquartered in Xi'an, China.

Details
Name: Bank of Xi'an Co.,Ltd.
600928
Exchange: XSSC
Founded: 1997
CN¥29,733,333,337
4,444,444,445
Website: http://www.xacbank.com
Address: Bank of Xi'an Co.,Ltd.
High-tech Zone Road No. 60,
Xi'an,
Shaanxi Province, 710075,
China
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
SHSE 600928 Domestic Shares Shanghai Stock Exchange CN CNY 01. Mar 2019
XSSC 600928 Domestic Shares Shanghai Stock Exchange - Shanghai - Hong Kong Stock Connect CN CNY 01. Mar 2019
Number of employees
Current staff
Staff numbers
3,266
Bank of Xi'anLtd employees.
Industry
Regional Banks
Banks
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2019/12/07 15:44
End of day share price update: 2019/12/05 00:00
Last estimates confirmation: 2019/07/18
Last earnings filing: 2019/10/29
Last earnings reported: 2019/09/30
Last annual earnings reported: 2018/12/31


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.