---
title: "Shanghai Rural Commercial Bank Co., Ltd. (601825.SH)"
type: "Symbol"
locale: "en"
url: "https://longbridge.com/en/quote/601825.SH.md"
symbol: "601825.SH"
name: "Shanghai Rural Commercial Bank Co., Ltd."
industry: "Diversified Banks"
datetime: "2026-05-20T22:48:16.945Z"
locales:
  - [en](https://longbridge.com/en/quote/601825.SH.md)
  - [zh-CN](https://longbridge.com/zh-CN/quote/601825.SH.md)
  - [zh-HK](https://longbridge.com/zh-HK/quote/601825.SH.md)
---

# Shanghai Rural Commercial Bank Co., Ltd. (601825.SH)

## Company Overview

Shanghai Rural Commercial Bank Co., Ltd. engages in commercial banking business in China. The company accepts public deposits; acts as agent for the issuance, redemption, and underwriting of government bonds; buying and selling government bonds and financial bonds. It also provides short-term, medium-term, and long-term loans; handling domestic and foreign settlements; handling bill acceptance and discounting; interbank lending; bank card services; and foreign exchange deposits, foreign exchange loans, foreign exchange remittances, international settlements, interbank foreign exchange lending, credit investigation, consulting, and witnessing services.

| Item | Detail |
|------|--------|
| Industry | Diversified Banks |
| Exchange | CN Market |
| Website | [www.shrcb.com](https://www.shrcb.com) |

## Key Drivers
> *AI-analyzed key factors driving this stock's performance*


## Longbridge Financial Score™: C
> *Longbridge Financial Score™ — Proprietary multi-factor rating model by Longbridge*
> Updated: 2026-05-20T04:30:09.000Z

**Overall: C (0.55)**

**Industry**: Diversified Banks

| Metric | Value |
|--------|-------|
| Industry Ranking | 17 / 20 |
| Industry Median | C |
| Industry Average | C |

- **Style**: Value - Stocks where the company's main business is in a mature stage.
- **Scale**: Mid - The company has stable operation of a large-cap stock and the high return of a small-cap stock.

**Multi Score**: C

#### Style Score Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue YoY | -0.99% |  |
| Net Profit YoY | 0.31% |  |
| P/B Ratio | 0.64 |  |
| Dividend Ratio | 4.93% |  |

#### Size Score Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Market Cap | 85022071829.32 |  |
| Revenue | 23761949466.12 |  |

#### Multi Score Score: C

| Indicator | Value | Rating |
|-----------|-------|--------|
| ROE | 9.62% | B |
| Profit Margin | 52.02% | A |
| Gross Margin | 0.00% | E |
| Revenue YoY | -0.99% | D |
| Net Profit YoY | 0.31% | C |
| Total Assets YoY | 5.68% | C |
| Net Assets YoY | 5.44% | C |
| Cash Flow Margin | -177.20% | E |
| OCF YoY | -0.99% | D |
| Turnover | 0.00 | E |
| Gearing Ratio | 0.00% | A |

```chart-data:radar
{
  "title": "Longbridge Financial Score - Shanghai Rural Commercial Bank Co., Ltd.",
  "chart_type": "radar",
  "dimensions": [
    {
      "name": "Style Score",
      "grade": "",
      "indicators": [
        {
          "name": "Revenue YoY",
          "value": "-0.99%",
          "rating": ""
        },
        {
          "name": "Net Profit YoY",
          "value": "0.31%",
          "rating": ""
        },
        {
          "name": "P/B Ratio",
          "value": "0.64",
          "rating": ""
        },
        {
          "name": "Dividend Ratio",
          "value": "4.93%",
          "rating": ""
        }
      ]
    },
    {
      "name": "Size Score",
      "grade": "",
      "indicators": [
        {
          "name": "Market Cap",
          "value": "85022071829.32",
          "rating": ""
        },
        {
          "name": "Revenue",
          "value": "23761949466.12",
          "rating": ""
        }
      ]
    },
    {
      "name": "Multi Score",
      "grade": "C",
      "indicators": [
        {
          "name": "ROE",
          "value": "9.62%",
          "rating": "B"
        },
        {
          "name": "Profit Margin",
          "value": "52.02%",
          "rating": "A"
        },
        {
          "name": "Gross Margin",
          "value": "0.00%",
          "rating": "E"
        },
        {
          "name": "Revenue YoY",
          "value": "-0.99%",
          "rating": "D"
        },
        {
          "name": "Net Profit YoY",
          "value": "0.31%",
          "rating": "C"
        },
        {
          "name": "Total Assets YoY",
          "value": "5.68%",
          "rating": "C"
        },
        {
          "name": "Net Assets YoY",
          "value": "5.44%",
          "rating": "C"
        },
        {
          "name": "Cash Flow Margin",
          "value": "-177.20%",
          "rating": "E"
        },
        {
          "name": "OCF YoY",
          "value": "-0.99%",
          "rating": "D"
        },
        {
          "name": "Turnover",
          "value": "0.00",
          "rating": "E"
        },
        {
          "name": "Gearing Ratio",
          "value": "0.00%",
          "rating": "A"
        }
      ]
    }
  ]
}
```

## Valuation Analysis

| Metric | Current | Industry Ranking | High | Median | Low |
|--------|---------|-----------------|------|--------|-----|
| PE (TTM) | 6.79 | 15/20 | 7.30 | 6.99 | 6.70 |
| PB | 0.64 | 14/20 | 0.72 | 0.68 | 0.65 |
| PS (TTM) | 3.23 | 18/20 | 3.46 | 3.31 | 3.18 |
| Dividend Yield | 4.99% | 11/20 | 5.14% | 4.91% | 4.73% |

## Peer Comparison

| Rank | Name | Profit | Growth | Operation | Security | Cash | Rating |
| --- | --- | --- | --- | --- | --- | --- | --- |
| 01 | CCB (601939.SH) | B | C | E | A | D | C |
| 02 | ICBC (601398.SH) | B | C | E | A | D | C |
| 03 | ABC (601288.SH) | B | C | E | A | D | C |
| 04 | Bank Of China (601988.SH) | C | C | E | A | D | C |
| 05 | China Merchants Bank (600036.SH) | B | C | E | A | B | C |

## Institutional View

### Analyst Rating Distribution

> As of 2026-04-24T16:00:00.000Z

Total Analysts: **5**

| Rating | Count | Percentage |
|--------|-------|-----------| 
| Overweight | 3 | 60% |
| Hold | 1 | 20% |
| Underweight | 1 | 20% |

### Target Price Forecast

| Metric | Price |
|--------|-------|
| Current Price | 8.69 |
| Highest Target | 10.50 |
| Lowest Target | 9.23 |

## References

- [Company Overview — Profile, executives, shareholders, business breakdown](https://longbridge.com/en/quote/601825.SH/overview.md)
- [Financial Reports — Income, balance sheet, cash flow, dividends](https://longbridge.com/en/quote/601825.SH/norm.md)
- [Related News](https://longbridge.com/en/quote/601825.SH/news.md)
- [Filings — Company announcements and regulatory filings](https://longbridge.com/en/quote/601825.SH/filings.md)

---

> **Disclaimer: This article is for reference only and does not constitute any investment advice.**